Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First BankBank | Exceptional | Exceptional | Strong | Exceptional | $1,277Fees | 0.069%Above | 591 | |
2 | North State BankBank | Exceptional | Exceptional | Strong | Strong | $1,047Fees | 0.002%Above | 453 | |
3 | Truist BankBank | Exceptional | Strong | Strong | Exceptional | $608Fees | 0.075%Above | 2,669 | |
4 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | $1,445Fees | 0.037%Below | 1,922 | |
5 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $590Fees | 0.215%Below | 434 | |
6 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $1,877Fees | 0.062%Above | 2,164 | |
7 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,682Fees | 0.152%Below | 1,494 | |
8 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $834Fees | 0.030%Above | 604 | |
9 | Fifth Third Bank, National AssociationBank | Strong | Strong | Strong | Strong | $197Fees | 0.059%Above | 579 | |
10 | Southern Bank and Trust CompanyBank | Strong | Strong | Strong | Strong | $1,839Fees | 0.028%Above | 422 | |
11 | Pinnacle BankBank | Strong | Strong | Strong | Strong | $1,976Fees | 0.144%Above | 421 | |
12 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $193Fees | 0.084%Above | 418 | |
13 | HomeTrust BankBank | Strong | Strong | Strong | Strong | $1,168Fees | 0.032%Above | 330 | |
14 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,815Fees | 0.063%Above | 2,074 | |
15 | First National Bank of PennsylvaniaBank | Strong | Sound | Strong | Exceptional | $1,349Fees | 0.072%Above | 1,549 | |
16 | Ameris BankBank | Strong | Sound | Exceptional | Strong | $2,982Fees | 0.195%Above | 549 | |
17 | SOFI BANK, NATIONAL ASSOCIATIONBank | Strong | Strong | Acceptable | Strong | $580Fees | 0.159%Above | 334 | |
18 | The Fidelity BankBank | Strong | Sound | Strong | Strong | $1,715Fees | 0.321%Above | 331 | |
19 | Uwharrie BankBank | Strong | Sound | Strong | Strong | $1,506Fees | 0.253%Above | 330 | |
20 | Regions BankBank | Strong | Sound | Strong | Strong | $1,922Fees | 0.199%Above | 316 | |
21 | SouthState Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,219Fees | 0.189%Above | 297 | |
22 | Towne BankBank | Strong | Acceptable | Exceptional | Strong | $3,358Fees | 0.304%Above | 904 | |
23 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $2,003Fees | 0.151%Below | 739 | |
24 | TD Bank, National AssociationBank | Strong | Sound | Sound | Strong | $812Fees | 0.239%Above | 359 | |
25 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Strong | Strong | $3,671Fees | 0.304%Above | 772 | |
26 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,409Fees | 0.291%Above | 452 | |
27 | United Community BankBank | Sound | Acceptable | Sound | Strong | $2,495Fees | 0.370%Above | 620 | |
28 | The Federal Savings BankBank | Sound | Mediocre | Sound | Strong | $4,026Fees | 0.752%Above | 366 |
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.