Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Exceptional | $465Credit | 0.287%Below | 2,140 | |
2 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $347Fees | 0.553%Below | 484 | |
3 | Valley National BankBank | Exceptional | Exceptional | Strong | Strong | $1,066Fees | 0.539%Below | 268 | |
4 | Kearny BankBank | Exceptional | Exceptional | Strong | Strong | $1,073Fees | 0.235%Below | 121 | |
5 | Citizens Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $702Fees | 0.185%Below | 1,365 | |
6 | Bank of America, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,248Fees | 0.322%Below | 816 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $18Credit | 0.209%Below | 803 | |
8 | Columbia BankBank | Exceptional | Exceptional | Sound | Strong | $383Fees | 0.920%Below | 115 | |
9 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $1,521Fees | 0.254%Below | 1,942 | |
10 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Strong | $1,503Fees | 0.116%Below | 425 | |
11 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Strong | Strong | Strong | Strong | $497Fees | 0.243%Below | 363 | |
12 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $1,623Fees | 0.032%Below | 119 | |
13 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $3,163Fees | 0.107%Above | 4,529 | |
14 | UBS Bank USABank | Strong | Strong | Sound | Strong | $991Fees | 0.091%Below | 110 | |
15 | TD Bank, National AssociationBank | Strong | Sound | Sound | Exceptional | $945Fees | 0.023%Above | 988 | |
16 | Dime Community BankBank | Strong | Strong | Acceptable | Strong | $1,458Fees | 0.417%Below | 118 | |
17 | Webster Bank, National AssociationBank | Strong | Sound | Sound | Strong | $1,441Fees | 0.157%Below | 227 | |
18 | Ridgewood Savings BankBank | Strong | Sound | Sound | Strong | $1,884Fees | 0.199%Below | 123 | |
19 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $3,932Fees | 0.367%Above | 364 | |
20 | Amalgamated BankBank | Sound | Acceptable | Sound | Strong | $2,298Fees | 0.163%Above | 141 | |
21 | Cathay BankBank | Sound | Acceptable | Sound | Strong | $1,821Fees | 0.066%Below | 122 | |
22 | Metro City BankBank | Sound | Mediocre | Strong | Strong | $5,778Fees | 1.964%Above | 267 | |
23 | First Central Savings BankBank | Sound | Mediocre | Strong | Strong | $5,378Fees | 1.453%Above | 192 | |
24 | The Federal Savings BankBank | Sound | Mediocre | Sound | Strong | $4,891Fees | 0.337%Above | 326 | |
25 | Bank of HopeBank | Sound | Mediocre | Sound | Strong | $1,636Fees | 0.552%Above | 234 | |
26 | Quontic BankBank | Sound | Mediocre | Sound | Strong | $6,401Fees | 1.042%Above | 218 |
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.