Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | TrustCo Bank | Exceptional | Exceptional | Sound | Strong | $1,286 | -0.336% | 87 | |
2 | Citizens First Bank | Strong | Sound | Exceptional | Exceptional | $1,343 | +0.394% | 451 | |
3 | Truist Bank | Strong | Strong | Strong | Strong | $1,117 | +0.071% | 269 | |
4 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,713 | -0.132% | 222 | |
5 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $549 | +0.005% | 141 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,256 | +0.079% | 111 | |
7 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,713 | +0.143% | 727 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,375 | -0.087% | 289 | |
9 | City National Bank of Florida | Strong | Strong | Sound | Strong | $2,328 | -0.693% | 104 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $1,913 | +0.143% | 75 | |
11 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $3,188 | +0.196% | 270 | |
12 | Regions Bank | Strong | Sound | Strong | Strong | $1,868 | +0.277% | 179 | |
13 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,507 | -0.180% | 99 | |
14 | TD Bank, National Association | Strong | Sound | Sound | Strong | $1,223 | +0.246% | 88 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,440 | +0.394% | 324 | |
16 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,890 | +0.372% | 305 | |
17 | Ixonia Bank | Sound | Mediocre | Strong | Strong | $4,144 | +0.638% | 135 |
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.
Get personalized recommendations based on your specific needs