Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Truist BankBank | Exceptional | Strong | Strong | Exceptional | $428Credit | 0.061%Below | 1,241 | |
2 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | $592Fees | 0.040%Above | 748 | |
3 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | $747Fees | 0.227%Below | 224 | |
4 | MERIDIAN BANKBank | Strong | Sound | Exceptional | Exceptional | $2,171Fees | 0.196%Above | 938 | |
5 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,920Fees | 0.162%Below | 643 | |
6 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $114Fees | 0.027%Above | 333 | |
7 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $464Fees | 0.017%Above | 220 | |
8 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,650Fees | 0.067%Above | 1,197 | |
9 | Sandy Spring BankBank | Strong | Sound | Strong | Exceptional | $1,800Fees | 0.179%Above | 543 | |
10 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,957Fees | 0.014%Below | 531 | |
11 | United BankBank | Strong | Sound | Strong | Exceptional | $2,055Fees | 0.012%Below | 498 | |
12 | Ameris BankBank | Strong | Sound | Exceptional | Strong | $3,265Fees | 0.217%Above | 486 | |
13 | Towne BankBank | Strong | Acceptable | Exceptional | Exceptional | $2,908Fees | 0.134%Above | 1,434 | |
14 | First National Bank of PennsylvaniaBank | Strong | Sound | Strong | Strong | $1,479Fees | 0.026%Above | 552 | |
15 | Fulton Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,595Fees | 0.247%Above | 361 | |
16 | WesBanco Bank, Inc.Bank | Strong | Sound | Strong | Strong | $1,896Fees | 0.225%Above | 205 | |
17 | Shore United Bank, N.A.Bank | Strong | Acceptable | Strong | Exceptional | $2,788Fees | 0.196%Above | 520 | |
18 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,982Fees | 0.185%Below | 212 | |
19 | Capital Bank, National AssociationBank | Strong | Sound | Sound | Strong | $1,764Fees | 0.230%Above | 199 | |
20 | TD Bank, National AssociationBank | Strong | Sound | Sound | Strong | $1,017Credit | 0.194%Above | 175 | |
21 | Presidential Bank, FSBBank | Strong | Acceptable | Strong | Strong | $3,772Fees | 0.265%Above | 389 | |
22 | Plains Commerce BankBank | Strong | Acceptable | Strong | Strong | $3,768Fees | 0.233%Above | 230 | |
23 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $3,468Fees | 0.185%Above | 155 | |
24 | First National Bank of AmericaBank | Sound | Mediocre | Sound | Strong | $7,912Fees | 1.760%Above | 232 | |
25 | The Federal Savings BankBank | Sound | Mediocre | Sound | Strong | $3,522Fees | 0.461%Above | 183 |
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.