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 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,919 | +0.006% | 306 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,555 | -0.265% | 275 | |
3 | North State Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,049 | -0.056% | 268 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$45 | -0.056% | 539 | |
5 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,572 | -0.130% | 363 | |
6 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $392 | -0.031% | 67 | |
7 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$1,040 | -0.016% | 141 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,548 | +0.018% | 388 | |
9 | First National Bank of Pennsylvania | Strong | Sound | Exceptional | Strong | Strong | $1,078 | +0.019% | 140 | |
10 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,638 | +0.073% | 99 | |
11 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$371 | +0.028% | 85 | |
12 | Towne Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,376 | +0.312% | 208 | |
13 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Sound | $2,444 | +0.196% | 69 |
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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