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 | Old National Bank | Exceptional | Exceptional | Strong | Exceptional | $1,130 | +0.034% | 345 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $430 | -0.434% | 79 | |
3 | Pinnacle Bank | Exceptional | Strong | Strong | Exceptional | $2,470 | +0.050% | 648 | |
4 | The Farmers Bank | Exceptional | Exceptional | Sound | Strong | $1,214 | -0.085% | 113 | |
5 | FirstBank | Strong | Sound | Exceptional | Exceptional | $2,182 | +0.139% | 932 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,400 | +0.105% | 424 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,460 | -0.176% | 212 | |
8 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $692 | +0.027% | 168 | |
9 | Truist Bank | Strong | Strong | Strong | Strong | $746 | +0.022% | 154 | |
10 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | -$903 | +0.038% | 123 | |
11 | NBKC BANK | Strong | Exceptional | Sound | Sound | $701 | -0.272% | 68 | |
12 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,522 | +0.233% | 392 | |
13 | First Horizon Bank | Strong | Sound | Strong | Exceptional | $2,095 | +0.015% | 346 | |
14 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,209 | +0.254% | 320 | |
15 | The First National Bank of Middle Tennessee | Strong | Sound | Strong | Exceptional | $2,482 | +0.195% | 192 | |
16 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,917 | -0.078% | 168 | |
17 | ServisFirst Bank | Strong | Sound | Exceptional | Strong | $2,171 | +0.129% | 91 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,811 | +0.017% | 482 | |
19 | Cadence Bank | Strong | Sound | Strong | Strong | $2,618 | -0.049% | 175 | |
20 | Legends Bank | Strong | Sound | Strong | Strong | $2,576 | +0.266% | 97 | |
21 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $3,336 | +0.081% | 139 | |
22 | Studio Bank | Strong | Sound | Sound | Strong | $2,104 | +0.205% | 111 | |
23 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,268 | -0.199% | 92 | |
24 | CapStar Bank | Strong | Sound | Sound | Strong | $1,878 | +0.245% | 70 | |
25 | Bell Bank | Strong | Acceptable | Exceptional | Sound | $3,531 | +0.283% | 65 | |
26 | WILSON BANK AND TRUST | Sound | Mediocre | Strong | Exceptional | $2,041 | +0.299% | 475 | |
27 | Bank of Tennessee | Sound | Acceptable | Sound | Strong | $2,872 | +0.149% | 130 | |
28 | United Community Bank | Sound | Acceptable | Sound | Strong | $2,427 | +0.376% | 81 | |
29 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,054 | +0.289% | 80 | |
30 | Ixonia Bank | Sound | Mediocre | Strong | Strong | $4,296 | +0.641% | 197 | |
31 | The Federal Savings Bank | Sound | Mediocre | Sound | Strong | $6,105 | +0.979% | 96 |
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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