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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $137 | -0.153% | 555 | |
2 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,426 | -0.160% | 593 | |
3 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,780 | -0.220% | 553 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,462 | -0.306% | 340 | |
5 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $976 | -0.610% | 202 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $429 | -0.112% | 192 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $303 | -0.608% | 148 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,476 | +0.053% | 1,367 | |
9 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,607 | +0.000% | 172 | |
10 | TD Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,332 | +0.012% | 358 | |
11 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,939 | +0.179% | 73 | |
12 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $4,102 | +0.388% | 138 | |
13 | Ridgewood Savings Bank | Strong | Strong | Acceptable | Acceptable | Strong | $378 | -0.276% | 76 | |
14 | Dime Community Bank | Strong | Strong | Acceptable | Acceptable | Strong | $1,265 | -0.455% | 56 | |
15 | Webster Bank, National Association | Sound | Sound | Sound | Acceptable | Sound | $1,816 | +0.038% | 49 | |
16 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Strong | $5,662 | +0.466% | 276 | |
17 | Quontic Bank | Sound | Mediocre | Strong | Sound | Strong | $6,946 | +0.726% | 195 | |
18 | First National Bank of America | Sound | Mediocre | Strong | Sound | Sound | $1,405 | +1.771% | 57 | |
19 | Bank of Hope | Sound | Mediocre | Sound | Sound | Strong | $1,561 | +0.556% | 54 | |
20 | Metro City Bank | Sound | Mediocre | Sound | Sound | Strong | $7,114 | +2.017% | 52 |
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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