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