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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $915 | -0.110% | 3,331 | |
2 | Cambridge Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $885 | -0.299% | 524 | |
3 | Berkshire Bank | Exceptional | Exceptional | Strong | Exceptional | $105 | -0.195% | 494 | |
4 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,391 | +0.045% | 448 | |
5 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Exceptional | Exceptional | $583 | +0.220% | 844 | |
6 | Westfield Bank | Exceptional | Exceptional | Strong | Strong | $947 | -0.031% | 300 | |
7 | Adams Community Bank | Exceptional | Exceptional | Strong | Strong | -$226 | +0.004% | 276 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $326 | -0.509% | 275 | |
9 | UniBank for Savings | Exceptional | Exceptional | Strong | Strong | $78 | -0.352% | 213 | |
10 | PeoplesBank | Exceptional | Exceptional | Strong | Strong | $679 | -0.050% | 167 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,156 | +0.002% | 783 | |
12 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | $254 | -0.092% | 723 | |
13 | Easthampton Savings Bank | Exceptional | Strong | Strong | Exceptional | $573 | -0.017% | 440 | |
14 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Sound | Strong | $1,032 | -0.394% | 300 | |
15 | Florence Bank | Exceptional | Exceptional | Sound | Strong | $652 | -0.586% | 194 | |
16 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $379 | -0.369% | 182 | |
17 | The Bank of Canton | Exceptional | Exceptional | Sound | Strong | $389 | +0.052% | 181 | |
18 | Needham Bank | Exceptional | Exceptional | Sound | Strong | -$244 | +0.013% | 158 | |
19 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $305 | -0.210% | 154 | |
20 | Rockland Trust Company | Strong | Strong | Sound | Exceptional | $1,236 | -0.124% | 709 | |
21 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,139 | -0.226% | 656 | |
22 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$986 | -0.143% | 627 | |
23 | Eastern Bank | Strong | Strong | Sound | Exceptional | $1,358 | -0.179% | 408 | |
24 | Dedham Institution for Savings | Strong | Strong | Strong | Strong | $631 | -0.202% | 166 | |
25 | Bristol County Savings Bank | Strong | Strong | Strong | Strong | $871 | +0.029% | 155 | |
26 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,363 | -0.038% | 242 | |
27 | Greenfield Savings Bank | Strong | Strong | Sound | Strong | $983 | -0.419% | 191 | |
28 | Colorado Federal Savings Bank | Strong | Strong | Sound | Strong | $1,116 | +0.021% | 171 | |
29 | Country Bank for Savings | Strong | Strong | Sound | Strong | $571 | -0.152% | 143 | |
30 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,005 | -0.057% | 783 | |
31 | Webster Bank, National Association | Strong | Sound | Sound | Exceptional | $997 | -0.029% | 437 | |
32 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | $1,472 | +0.216% | 214 | |
33 | Merchants Bank of Indiana | Strong | Sound | Strong | Strong | $2,864 | +0.003% | 136 | |
34 | TD Bank, National Association | Strong | Sound | Sound | Strong | $754 | +0.152% | 430 | |
35 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,408 | -0.176% | 124 | |
36 | First National Bank of America | Sound | Mediocre | Sound | Strong | $8,182 | +1.752% | 168 |
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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