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 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | -$303 | -0.225% | 1,006 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $211 | -0.090% | 959 | |
3 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,156 | -0.048% | 505 | |
4 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $416 | -0.243% | 180 | |
5 | TD Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $732 | +0.153% | 1,057 | |
6 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $694 | -0.045% | 862 | |
7 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $642 | +0.037% | 467 | |
8 | Valley National Bank | Strong | Strong | Sound | Sound | Exceptional | $1,157 | -0.255% | 354 | |
9 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,984 | +0.362% | 297 | |
10 | Fulton Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,727 | +0.406% | 279 | |
11 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,944 | +0.136% | 172 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,377 | +0.057% | 2,089 | |
13 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,494 | -0.101% | 1,556 | |
14 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,858 | +0.485% | 541 | |
15 | Provident Bank | Strong | Sound | Sound | Sound | Exceptional | -$332 | -0.197% | 457 | |
16 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Exceptional | $1,259 | -0.245% | 1,086 | |
17 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Strong | $4,435 | +0.372% | 306 | |
18 | UNITY BANK | Sound | Acceptable | Sound | Sound | Strong | $1,856 | +0.554% | 202 |
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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