Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,217Fees | 0.049%Above | 112 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,374Fees | 0.035%Below | 182 | |
3 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,431Fees | 0.162%Above | 479 | |
4 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $3,170Fees | 0.286%Above | 107 | |
5 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Strong | Strong | $1,788Fees | 0.027%Below | 105 | |
6 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,778Fees | 0.226%Below | 97 | |
7 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $697Fees | 0.064%Above | 257 | |
8 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,291Fees | 0.435%Above | 174 | |
9 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,916Fees | 0.527%Above | 153 | |
10 | Regions BankBank | Strong | Sound | Strong | Sound | Strong | $2,215Fees | 0.111%Above | 413 |
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.