Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$381 | -0.083% | 1,471 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$1,117 | -0.300% | 1,113 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $679 | -0.229% | 878 | |
4 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $758 | -0.218% | 709 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $315 | -0.473% | 276 | |
6 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $718 | -0.034% | 562 | |
7 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $65 | -0.093% | 172 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,965 | +0.072% | 1,827 | |
9 | City National Bank | Exceptional | Strong | Strong | Sound | Exceptional | $2,482 | -0.046% | 444 | |
10 | Zions Bancorporation, N.A. | Exceptional | Strong | Exceptional | Sound | Strong | $993 | -0.207% | 118 | |
11 | Charles Schwab Bank, SSB | Exceptional | Sound | Exceptional | Exceptional | Strong | $657 | -0.292% | 107 | |
12 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $453 | +0.028% | 211 | |
13 | Barrington Bank & Trust Company, National Association | Strong | Strong | Strong | Sound | Strong | $3,177 | +0.295% | 117 | |
14 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,175 | +0.385% | 120 | |
15 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,723 | +0.235% | 435 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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