Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,211Fees | 0.052%Above | 1,503 | |
2 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,228Fees | 0.144%Above | 6,052 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $157Fees | 0.158%Below | 967 | |
4 | Manufacturers and Traders Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,052Fees | 0.167%Above | 2,631 | |
5 | Citizens Bank, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,115Fees | 0.093%Below | 2,366 | |
6 | Five Star BankBank | Exceptional | Strong | — | Strong | Exceptional | $1,278Fees | 0.263%Above | 397 | |
7 | Northwest BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,119Fees | 0.113%Above | 285 | |
8 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,906Fees | 0.105%Above | 267 | |
9 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Exceptional | $1,682Fees | 0.187%Below | 2,546 | |
10 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,769Fees | 0.429%Above | 633 | |
11 | Community Bank, National AssociationBank | Strong | Sound | Sound | Strong | Exceptional | $389Fees | 0.784%Above | 1,928 | |
12 | Genesee Regional BankBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,911Fees | 0.504%Above | 1,480 | |
13 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Strong | $4,983Fees | 0.413%Above | 650 |
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.