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 | $600 | +0.033% | 1,973 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $876 | -0.331% | 219 | |
3 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,868 | -0.007% | 1,109 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,615 | -0.158% | 635 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$175 | -0.005% | 546 | |
6 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,253 | +0.016% | 486 | |
7 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $338 | -0.284% | 247 | |
8 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $567 | +0.032% | 227 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,242 | +0.051% | 1,157 | |
10 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,795 | +0.068% | 756 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,175 | -0.074% | 248 | |
12 | United Bank | Strong | Sound | Strong | Strong | Exceptional | $2,070 | +0.054% | 1,181 | |
13 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Exceptional | $2,168 | +0.239% | 641 | |
14 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $573 | -0.090% | 460 | |
15 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,780 | +0.302% | 509 | |
16 | Towne Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,887 | +0.177% | 872 | |
17 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Exceptional | $3,289 | +0.340% | 687 | |
18 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,047 | +0.228% | 255 | |
19 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,194 | +0.274% | 233 | |
20 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,920 | -0.158% | 483 | |
21 | Blue Ridge Bank, National Association | Sound | Acceptable | Sound | Sound | Strong | $2,643 | +0.342% | 226 | |
22 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Strong | $3,445 | +0.347% | 395 |
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.
Get personalized recommendations based on your specific needs