Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | City National Bank of FloridaBank | Exceptional | Exceptional | Strong | Strong | Strong | $2,328Fees | 0.693%Below | 104 | |
2 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $3,188Fees | 0.196%Above | 270 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,256Fees | 0.079%Above | 111 | |
4 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,440Fees | 0.394%Above | 324 | |
5 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,890Fees | 0.372%Above | 305 | |
6 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,117Fees | 0.071%Above | 269 | |
7 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,713Fees | 0.143%Above | 727 | |
8 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,868Fees | 0.277%Above | 179 | |
9 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,375Fees | 0.087%Below | 289 | |
10 | Bank of America, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $1,713Fees | 0.132%Below | 222 | |
11 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $4,144Fees | 0.638%Above | 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.