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