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 | OceanFirst Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | -$2,433 | -0.498% | 91 | |
2 | Customers Bank | Exceptional | Exceptional | Exceptional | Strong | $846 | -0.181% | 78 | |
3 | ESSA Bank & Trust | Exceptional | Exceptional | Strong | Strong | -$3,200 | +0.047% | 86 | |
4 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Exceptional | -$1,104 | -0.112% | 458 | |
5 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $400 | +0.055% | 263 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $270 | -0.513% | 50 | |
7 | MERIDIAN BANK | Strong | Sound | Exceptional | Exceptional | $2,125 | +0.031% | 228 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,542 | -0.066% | 189 | |
9 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$120 | +0.103% | 103 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,276 | +0.026% | 244 | |
11 | First Citizens Community Bank | Strong | Sound | Strong | Exceptional | $2,239 | +0.018% | 184 | |
12 | Mid Penn Bank | Strong | Strong | Sound | Strong | $1,102 | +0.231% | 79 | |
13 | The Huntington National Bank | Strong | Strong | Strong | Sound | $1,617 | +0.479% | 60 | |
14 | Truist Bank | Strong | Strong | Strong | Sound | -$1,214 | -0.011% | 54 | |
15 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,503 | -0.133% | 40 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,909 | -0.008% | 301 | |
17 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | $2,081 | -0.011% | 142 | |
18 | Firstrust Savings Bank | Strong | Sound | Strong | Strong | $1,522 | +0.420% | 107 | |
19 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $2,338 | +0.287% | 94 | |
20 | TD Bank, National Association | Strong | Sound | Sound | Strong | -$480 | +0.166% | 192 | |
21 | First National Bank of Pennsylvania | Strong | Sound | Strong | Sound | $1,153 | -0.027% | 45 | |
22 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,853 | -0.034% | 42 | |
23 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,117 | +0.639% | 52 | |
24 | Parke Bank | Sound | Mediocre | Sound | Exceptional | $5,539 | -0.169% | 108 | |
25 | Ixonia Bank | Sound | Mediocre | Strong | Strong | $2,252 | +0.165% | 58 |
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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