Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | — | $283Fees | 0.033%Above | 37,416 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | — | $1,660Fees | 0.017%Below | 34,079 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | — | $1,021Fees | 0.175%Below | 25,155 | |
4 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | — | $568Credit | 0.252%Below | 10,757 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | — | $331Fees | 0.449%Below | 7,167 | |
6 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | — | $802Fees | 0.078%Above | 13,874 | |
7 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | — | $542Fees | 0.263%Above | 10,811 | |
8 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | — | $1,074Fees | 0.029%Above | 9,612 | |
9 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | — | $1,064Fees | 0.105%Above | 7,577 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | — | $2,283Fees | 0.135%Above | 67,126 | |
11 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | — | $186Fees | 0.120%Above | 11,250 | |
12 | Regions BankBank | Strong | Sound | Exceptional | Strong | — | $1,948Fees | 0.333%Above | 10,811 | |
13 | Bell BankBank | Strong | Sound | Exceptional | Strong | — | $2,876Fees | 0.274%Above | 7,696 | |
14 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | — | $415Fees | 0.374%Above | 18,842 | |
15 | Ameris BankBank | Strong | Acceptable | Exceptional | Strong | — | $2,801Fees | 0.172%Above | 11,244 | |
16 | NBKC BANKBank | Strong | Sound | Strong | Sound | — | $560Fees | 0.167%Below | 7,357 | |
17 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Sound | — | $2,989Fees | 0.278%Above | 11,610 | |
18 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | — | $2,572Fees | 0.351%Above | 23,726 |
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.