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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $1,147 | +0.041% | 340 | |
2 | UniBank for Savings | Exceptional | Exceptional | Strong | Exceptional | -$6 | -0.339% | 127 | |
3 | Berkshire Bank | Exceptional | Exceptional | Strong | Strong | $1,191 | -0.137% | 41 | |
4 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | $1,185 | +0.182% | 31 | |
5 | The Bank of Canton | Exceptional | Exceptional | Sound | Strong | $711 | +0.064% | 31 | |
6 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | $448 | +0.088% | 78 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$178 | +0.028% | 76 | |
8 | Cornerstone Bank | Strong | Strong | Sound | Exceptional | $715 | -0.032% | 74 | |
9 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,987 | +0.111% | 63 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,675 | -0.142% | 60 | |
11 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $853 | +0.028% | 51 | |
12 | NBKC BANK | Strong | Exceptional | Sound | Sound | $418 | -0.199% | 28 | |
13 | Country Bank for Savings | Strong | Strong | Sound | Strong | $720 | -0.127% | 61 | |
14 | Fidelity Co-operative Bank | Strong | Strong | Sound | Strong | $714 | +0.060% | 60 | |
15 | Rockland Trust Company | Strong | Strong | Sound | Strong | $884 | +0.102% | 41 | |
16 | Middlesex Savings Bank | Strong | Strong | Sound | Strong | $654 | +0.217% | 22 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,855 | -0.031% | 77 | |
18 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | $1,293 | +0.316% | 49 | |
19 | TD Bank, National Association | Strong | Sound | Sound | Strong | $1,155 | +0.227% | 45 | |
20 | Ixonia Bank | Sound | Mediocre | Strong | Sound | $6,349 | +0.778% | 21 |
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