Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | — | $560Fees | 0.167%Below | 7,357 | |
2 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | — | $2,801Fees | 0.172%Above | 11,244 | |
3 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | — | $542Fees | 0.263%Above | 10,811 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | — | $283Fees | 0.033%Above | 37,416 | |
5 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | — | $415Fees | 0.374%Above | 18,842 | |
6 | JPMorgan Chase Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | — | $2,283Fees | 0.135%Above | 67,126 | |
7 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | — | $1,831Fees | 0.129%Below | 12,100 | |
8 | Bell BankBank | Strong | Sound | Exceptional | Exceptional | — | $2,876Fees | 0.274%Above | 7,696 | |
9 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | — | $2,572Fees | 0.351%Above | 23,726 | |
10 | Truist BankBank | Strong | Strong | Strong | Sound | — | $802Fees | 0.078%Above | 13,874 | |
11 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | — | $2,989Fees | 0.278%Above | 11,610 | |
12 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | — | $1,074Fees | 0.029%Above | 9,612 | |
13 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | — | $1,064Fees | 0.105%Above | 7,577 | |
14 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | — | $1,660Fees | 0.017%Below | 34,079 | |
15 | PNC Bank, National AssociationBank | Strong | Sound | Strong | Sound | — | $186Fees | 0.120%Above | 11,250 | |
16 | Regions BankBank | Strong | Sound | Strong | Sound | — | $1,948Fees | 0.333%Above | 10,811 | |
17 | Bank of America, National AssociationBank | Sound | Acceptable | Sound | Acceptable | — | $1,021Fees | 0.175%Below | 25,155 |
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.