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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | -$1,485 | -0.486% | 58 | |
2 | Provident Bank | Exceptional | Exceptional | Sound | Exceptional | -$1,122 | -0.432% | 199 | |
3 | Valley National Bank | Exceptional | Exceptional | Strong | Strong | $1,126 | -0.434% | 124 | |
4 | Kearny Bank | Exceptional | Exceptional | Strong | Strong | $1,008 | -0.269% | 118 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $293 | -0.499% | 107 | |
6 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $168 | -0.326% | 165 | |
7 | Columbia Bank | Exceptional | Exceptional | Sound | Strong | $368 | -0.289% | 67 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,283 | -0.140% | 401 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $964 | -0.321% | 262 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $218 | -0.132% | 237 | |
11 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | -$202 | -0.104% | 178 | |
12 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,424 | -0.080% | 110 | |
13 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $1,175 | -0.020% | 96 | |
14 | NBKC BANK | Strong | Exceptional | Sound | Sound | $837 | -0.347% | 41 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,360 | +0.026% | 586 | |
16 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Sound | $283 | -0.232% | 46 | |
17 | TD Bank, National Association | Strong | Sound | Sound | Strong | $481 | +0.126% | 222 | |
18 | Webster Bank, National Association | Strong | Sound | Sound | Strong | $1,043 | +0.030% | 80 | |
19 | Northpointe Bank | Strong | Sound | Strong | Sound | $2,652 | +0.305% | 37 | |
20 | UNITY BANK | Sound | Acceptable | Sound | Strong | $1,649 | +0.393% | 55 | |
21 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,910 | +0.267% | 54 | |
22 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $3,888 | +0.241% | 48 | |
23 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $5,286 | +0.486% | 46 |
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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