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