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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Liberty Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | -$803 | -0.251% | 137 | |
2 | Newtown Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,986 | -0.222% | 49 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,282 | -0.151% | 64 | |
4 | PeoplesBank | Exceptional | Exceptional | Strong | Strong | Sound | $927 | -0.195% | 19 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $562 | +0.048% | 44 | |
6 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,414 | -0.031% | 23 | |
7 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $1,412 | -0.168% | 12 | |
8 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Acceptable | $2,794 | +0.008% | 11 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,662 | +0.296% | 109 | |
10 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,527 | -0.049% | 49 | |
11 | The Milford Bank | Strong | Exceptional | Acceptable | Sound | Strong | $1,760 | -0.366% | 34 | |
12 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,208 | +0.220% | 32 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,409 | +0.244% | 23 | |
14 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $995 | +0.147% | 27 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,064 | +0.325% | 15 | |
16 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,143 | +0.676% | 51 | |
17 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $980 | -0.080% | 14 | |
18 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Sound | $5,719 | +0.709% | 12 | |
19 | Webster Bank, National Association | Sound | Sound | Sound | Acceptable | Sound | $1,146 | +0.046% | 25 | |
20 | Bank of England | Sound | Acceptable | Strong | Sound | Sound | $2,857 | +0.492% | 13 |
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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