Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Patriot BankBank | Exceptional | Exceptional | Strong | Exceptional | $1,307Fees | 0.022%Below | 400 | |
2 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | $1,189Fees | 0.075%Above | 466 | |
3 | Pinnacle BankBank | Exceptional | Strong | Strong | Exceptional | $2,351Fees | 0.075%Above | 1,277 | |
4 | FirstBankBank | Strong | Sound | Exceptional | Exceptional | $2,165Fees | 0.231%Above | 1,926 | |
5 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $1,405Fees | 0.145%Above | 803 | |
6 | Truist BankBank | Strong | Strong | Strong | Strong | $1,080Fees | 0.138%Above | 510 | |
7 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,896Fees | 0.081%Below | 405 | |
8 | First Citizens National BankBank | Strong | Strong | Sound | Exceptional | $1,042Fees | 0.024%Below | 291 | |
9 | Fifth Third Bank, National AssociationBank | Strong | Strong | Strong | Strong | $955Fees | 0.103%Above | 256 | |
10 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Strong | $143Fees | 0.108%Above | 209 | |
11 | Regions BankBank | Strong | Sound | Strong | Exceptional | $1,655Fees | 0.392%Above | 1,429 | |
12 | First Horizon BankBank | Strong | Sound | Strong | Exceptional | $1,604Fees | 0.088%Above | 891 | |
13 | Cadence BankBank | Strong | Sound | Strong | Exceptional | $2,254Fees | 0.049%Above | 681 | |
14 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,279Fees | 0.081%Above | 449 | |
15 | Ameris BankBank | Strong | Sound | Exceptional | Strong | $2,263Fees | 0.270%Above | 391 | |
16 | The First National Bank of Middle TennesseeBank | Strong | Sound | Strong | Exceptional | $2,553Fees | 0.193%Above | 371 | |
17 | Legends BankBank | Strong | Sound | Strong | Exceptional | $2,687Fees | 0.107%Above | 342 | |
18 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,968Fees | 0.042%Above | 970 | |
19 | Simmons BankBank | Strong | Sound | Strong | Strong | $1,688Fees | 0.539%Above | 297 | |
20 | Renasant BankBank | Strong | Acceptable | Exceptional | Strong | $2,823Fees | 0.185%Above | 516 | |
21 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,928Fees | 0.171%Below | 381 | |
22 | Home Federal Bank of TennesseeBank | Strong | Acceptable | Strong | Exceptional | $3,817Fees | 0.364%Below | 367 | |
23 | SmartBankBank | Strong | Sound | Sound | Strong | $1,241Fees | 0.194%Above | 245 | |
24 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,566Fees | 0.301%Above | 349 | |
25 | WILSON BANK AND TRUSTBank | Sound | Mediocre | Strong | Exceptional | $1,975Fees | 0.298%Above | 560 | |
26 | United Community BankBank | Sound | Acceptable | Sound | Strong | $2,082Fees | 0.398%Above | 264 | |
27 | Bank of TennesseeBank | Sound | Acceptable | Sound | Strong | $2,655Fees | 0.235%Above | 236 | |
28 | Citizens Tri-County BankBank | Sound | Acceptable | Sound | Strong | $2,004Fees | 0.205%Above | 232 | |
29 | Ixonia BankBank | Sound | Mediocre | Strong | Strong | $4,167Fees | 0.640%Above | 269 | |
30 | The Federal Savings BankBank | Sound | Mediocre | Sound | Strong | $4,846Fees | 0.792%Above | 213 | |
31 | One Bank of TennesseeBank | Sound | Mediocre | Sound | Strong | $1,029Fees | 1.132%Above | 195 |
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.