Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | $127Credit | 0.345%Below | 51 | |
2 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $435Fees | 0.421%Below | 65 | |
3 | Wilmington Savings Fund Society, FSBBank | Exceptional | Strong | Strong | Exceptional | $2,075Fees | 0.087%Below | 184 | |
4 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $1,706Fees | 0.023%Below | 299 | |
5 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Strong | $1,477Fees | 0.022%Below | 232 | |
6 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,648Fees | 0.105%Below | 176 | |
7 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $318Fees | 0.071%Below | 161 | |
8 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $356Fees | 0.138%Below | 105 | |
9 | Truist BankBank | Strong | Strong | Strong | Strong | $581Fees | 0.129%Above | 90 | |
10 | The Huntington National BankBank | Strong | Strong | Strong | Strong | $960Fees | 0.238%Above | 62 | |
11 | NBKC BANKBank | Strong | Exceptional | Sound | Sound | $401Fees | 0.184%Below | 45 | |
12 | Citibank, National AssociationBank | Strong | Exceptional | Sound | Sound | $1,002Fees | 0.246%Below | 41 | |
13 | Univest Bank and Trust Co.Bank | Strong | Sound | Strong | Exceptional | $1,762Fees | 0.185%Above | 206 | |
14 | MERIDIAN BANKBank | Strong | Sound | Exceptional | Strong | $2,269Fees | 0.155%Above | 171 | |
15 | First Citizens Community BankBank | Strong | Sound | Strong | Exceptional | $2,413Fees | 0.152%Above | 160 | |
16 | Mid Penn BankBank | Strong | Strong | Sound | Strong | $1,219Fees | 0.219%Above | 89 | |
17 | Penn Community BankBank | Strong | Strong | Sound | Strong | $335Fees | 0.168%Above | 63 | |
18 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Sound | $198Fees | 0.083%Below | 49 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,995Fees | 0.018%Below | 213 | |
20 | First National Bank of PennsylvaniaBank | Strong | Sound | Strong | Strong | $1,222Fees | 0.054%Below | 118 | |
21 | Fulton Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,250Fees | 0.296%Above | 112 | |
22 | Firstrust Savings BankBank | Strong | Sound | Strong | Strong | $1,342Fees | 0.125%Above | 87 | |
23 | TD Bank, National AssociationBank | Strong | Sound | Sound | Strong | $1,179Fees | 0.001%Above | 184 | |
24 | SOFI BANK, NATIONAL ASSOCIATIONBank | Strong | Strong | Acceptable | Sound | $455Fees | 0.131%Above | 46 | |
25 | Flagstar Bank, N.A.Bank | Sound | Acceptable | Strong | Sound | $3,460Fees | 0.278%Above | 58 |
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.