Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $422Fees | 0.454%Below | 274 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $136Credit | 0.111%Below | 1,709 | |
3 | Bank of America, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $321Fees | 0.283%Below | 957 | |
4 | KeyBank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $646Fees | 0.071%Below | 540 | |
5 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $625Fees | 0.281%Below | 331 | |
6 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | $1,372Credit | 0.367%Below | 236 | |
7 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $1,397Fees | 0.145%Below | 1,126 | |
8 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $355Credit | 0.007%Above | 374 | |
9 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Strong | Strong | Strong | Strong | $589Credit | 0.191%Below | 348 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,620Fees | 0.030%Below | 1,657 | |
11 | Yakima Federal Savings and Loan AssociationBank | Strong | Strong | Sound | Strong | $3,652Fees | 0.311%Below | 172 | |
12 | Banner BankBank | Strong | Sound | Sound | Exceptional | $3,212Fees | 0.187%Above | 622 | |
13 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Strong | Exceptional | $3,975Fees | 0.403%Above | 1,016 | |
14 | 1st Security Bank of WashingtonBank | Strong | Acceptable | Strong | Exceptional | $4,249Fees | 0.190%Above | 935 | |
15 | HomeStreet BankBank | Strong | Acceptable | Strong | Exceptional | $3,019Fees | 0.238%Above | 568 | |
16 | Umpqua BankBank | Strong | Acceptable | Strong | Exceptional | $3,137Fees | 0.219%Above | 520 | |
17 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Exceptional | $4,653Fees | 0.244%Above | 507 | |
18 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $2,260Fees | 0.178%Below | 287 | |
19 | Washington Trust BankBank | Strong | Sound | Sound | Strong | $1,144Fees | 0.180%Above | 237 | |
20 | BMO Bank National AssociationBank | Strong | Sound | Sound | Strong | $28Credit | 0.073%Above | 206 | |
21 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $3,711Fees | 0.203%Above | 282 | |
22 | Glacier BankBank | Sound | Acceptable | Sound | Strong | $4,275Fees | 0.230%Above | 360 | |
23 | Peoples BankBank | Sound | Acceptable | Acceptable | Exceptional | $3,127Fees | 0.178%Above | 265 | |
24 | The Federal Savings BankBank | Sound | Mediocre | Sound | Strong | $4,181Fees | 0.730%Above | 176 | |
25 | WASHINGTON FEDERAL BANKBank | Sound | Mediocre | Acceptable | Strong | $5,024Fees | 0.458%Above | 284 |
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.