Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $133Credit | 0.279%Below | 750 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $747Credit | 0.327%Below | 515 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,388Credit | 0.247%Below | 497 | |
4 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,285Credit | 0.306%Below | 383 | |
5 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,231Credit | 0.196%Below | 283 | |
6 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $345Fees | 0.544%Below | 152 | |
7 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $931Credit | 0.100%Below | 281 | |
8 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $51Fees | 0.240%Below | 146 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,864Fees | 0.015%Below | 545 | |
10 | PNC Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $647Credit | 0.015%Above | 209 | |
11 | Charles Schwab Bank, SSBBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $605Fees | 0.305%Below | 109 | |
12 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $695Credit | 0.512%Below | 18 | |
13 | Barrington Bank & Trust Company, National AssociationBank | Strong | Strong | Strong | Sound | Sound | $1,998Fees | 0.096%Above | 35 | |
14 | Fremont BankBank | Strong | Acceptable | Strong | Strong | Sound | $264Fees | 0.336%Above | 23 | |
15 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Sound | $2,264Fees | 0.156%Above | 45 |
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.