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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bangor Savings Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,332 | -0.065% | 462 | |
2 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,079 | +0.080% | 21 | |
3 | The Camden National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $832 | +0.099% | 304 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $558 | +0.044% | 109 | |
5 | Androscoggin Savings Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,753 | +0.103% | 164 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,950 | -0.081% | 40 | |
7 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,515 | +0.086% | 27 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $306 | -0.456% | 24 | |
9 | Bath Savings Institution | Strong | Strong | Sound | Sound | Exceptional | $1,275 | -0.436% | 104 | |
10 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,416 | +0.021% | 25 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,844 | -0.007% | 23 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,382 | +0.224% | 42 | |
13 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $1,868 | +0.050% | 22 | |
14 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $653 | +0.344% | 55 | |
15 | Norway Savings Bank | Strong | Strong | Sound | Acceptable | Strong | $1,042 | +0.218% | 46 | |
16 | Kennebec Savings Bank | Strong | Sound | Strong | Sound | Strong | $0 | +0.591% | 36 | |
17 | Saco & Biddeford Savings Institution | Strong | Sound | Sound | Acceptable | Exceptional | $1,433 | +0.238% | 104 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,263 | -0.130% | 25 |
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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