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 | North State Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,049 | -0.056% | 268 | |
2 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,572 | -0.130% | 363 | |
3 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $350 | -0.215% | 94 | |
4 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$45 | -0.056% | 539 | |
5 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,376 | +0.312% | 208 | |
6 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,638 | +0.073% | 99 | |
7 | United Community Bank | Strong | Sound | Strong | Strong | Strong | $2,629 | +0.242% | 174 | |
8 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,948 | +0.300% | 159 | |
9 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,444 | +0.196% | 69 | |
10 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,919 | +0.006% | 306 | |
11 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Strong | $4,009 | +0.715% | 69 | |
12 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,555 | -0.265% | 275 |
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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