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