Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $137Fees | 0.153%Below | 555 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,780Fees | 0.220%Below | 553 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,462Fees | 0.306%Below | 340 | |
4 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $429Fees | 0.112%Below | 192 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $303Fees | 0.608%Below | 148 | |
6 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,426Fees | 0.160%Below | 593 | |
7 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,607Fees | 0.000%Above | 172 | |
8 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,476Fees | 0.053%Above | 1,367 | |
9 | TD Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,332Fees | 0.012%Above | 358 | |
10 | Valley National BankBank | Exceptional | Strong | Strong | Strong | Strong | $976Fees | 0.610%Below | 202 | |
11 | Ridgewood Savings BankBank | Strong | Strong | Strong | Sound | Strong | $378Fees | 0.276%Below | 76 | |
12 | Dime Community BankBank | Strong | Strong | Strong | Sound | Strong | $1,265Fees | 0.455%Below | 56 | |
13 | Webster Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,816Fees | 0.038%Above | 49 | |
14 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $4,102Fees | 0.388%Above | 138 | |
15 | Quontic BankBank | Sound | Mediocre | Strong | Sound | Strong | $6,946Fees | 0.726%Above | 195 |
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.