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 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,254 | +0.058% | 492 | |
2 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,116 | +0.054% | 205 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$693 | +0.121% | 189 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,574 | -0.255% | 111 | |
5 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,569 | +0.025% | 225 | |
6 | United Bank | Strong | Sound | Strong | Strong | Exceptional | $1,846 | +0.131% | 584 | |
7 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,026 | +0.043% | 338 | |
8 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,276 | +0.141% | 108 | |
9 | NexBank | Strong | Sound | Strong | Strong | Strong | $2,383 | +0.052% | 78 | |
10 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Strong | $1,755 | +0.125% | 61 | |
11 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,742 | +0.359% | 53 | |
12 | Towne Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,853 | +0.305% | 249 | |
13 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,527 | +0.300% | 117 | |
14 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,286 | +0.300% | 67 | |
15 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $3,084 | +0.425% | 199 | |
16 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $2,075 | -0.154% | 65 | |
17 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $4,320 | +0.297% | 39 | |
18 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Sound | $4,522 | +0.589% | 44 |
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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