Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | $267Fees | 0.486%Below | 53 | |
2 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $788Fees | 0.006%Below | 502 | |
3 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,742Fees | 0.160%Below | 186 | |
4 | Citibank, National AssociationBank | Strong | Exceptional | Sound | Sound | $130Credit | 0.098%Below | 54 | |
5 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,789Fees | 0.037%Above | 273 | |
6 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,981Fees | 0.130%Above | 303 | |
7 | BMO Bank National AssociationBank | Strong | Sound | Sound | Strong | $557Fees | 0.037%Above | 111 | |
8 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $3,086Fees | 0.149%Above | 262 | |
9 | Plains Commerce BankBank | Sound | Acceptable | Strong | Sound | $2,827Fees | 0.311%Above | 58 |
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.