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 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Strong | $864 | -0.001% | 145 | |
2 | Bangor Savings Bank | Exceptional | Exceptional | Strong | Strong | $1,249 | -0.051% | 110 | |
3 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Sound | Strong | $1,051 | -0.265% | 44 | |
4 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Sound | $909 | +0.038% | 40 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $370 | -0.408% | 37 | |
6 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,464 | +0.118% | 189 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,072 | -0.145% | 86 | |
8 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,539 | +0.178% | 81 | |
9 | NBKC BANK | Strong | Exceptional | Sound | Sound | $309 | -0.261% | 47 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $720 | +0.009% | 43 | |
11 | Meredith Village Savings Bank | Strong | Sound | Sound | Exceptional | $1,339 | +0.526% | 214 | |
12 | Merrimack County Savings Bank | Strong | Sound | Sound | Exceptional | $1,217 | +0.413% | 141 | |
13 | Mascoma Bank | Strong | Sound | Strong | Strong | $905 | +0.324% | 118 | |
14 | Union Bank | Strong | Sound | Strong | Strong | $1,347 | +0.504% | 106 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,510 | +0.239% | 97 | |
16 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,656 | +0.279% | 57 | |
17 | Enterprise Bank and Trust Company | Strong | Strong | Acceptable | Strong | $1,010 | -0.127% | 50 | |
18 | Bar Harbor Bank & Trust | Strong | Sound | Sound | Strong | $1,407 | +0.379% | 107 | |
19 | TD Bank, National Association | Strong | Sound | Sound | Strong | $875 | +0.339% | 98 | |
20 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,058 | -0.179% | 77 | |
21 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Acceptable | Sound | $633 | +0.047% | 34 | |
22 | Northway Bank | Strong | Sound | Acceptable | Strong | $1,570 | +0.593% | 61 | |
23 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $3,513 | +0.261% | 35 | |
24 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $2,793 | +0.308% | 32 |
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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