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 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,147 | +0.041% | 340 | |
2 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,185 | +0.182% | 31 | |
3 | UniBank for Savings | Exceptional | Exceptional | Sound | Sound | Exceptional | -$6 | -0.339% | 127 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$178 | +0.028% | 76 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,675 | -0.142% | 60 | |
6 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $448 | +0.088% | 78 | |
7 | Cornerstone Bank | Exceptional | Exceptional | Sound | Acceptable | Exceptional | $715 | -0.032% | 74 | |
8 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,987 | +0.111% | 63 | |
9 | Berkshire Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,191 | -0.137% | 41 | |
10 | The Bank of Canton | Exceptional | Exceptional | Sound | Sound | Strong | $711 | +0.064% | 31 | |
11 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $418 | -0.199% | 28 | |
12 | Cambridge Savings Bank | Exceptional | Exceptional | Sound | Strong | Sound | $619 | -0.007% | 18 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,855 | -0.031% | 77 | |
14 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $853 | +0.028% | 51 | |
15 | Rockland Trust Company | Strong | Strong | Strong | Sound | Strong | $884 | +0.102% | 41 | |
16 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,580 | +0.149% | 19 | |
17 | Country Bank for Savings | Strong | Strong | Sound | Sound | Strong | $720 | -0.127% | 61 | |
18 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,293 | +0.316% | 49 | |
19 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Sound | $1,235 | -0.039% | 18 | |
20 | Fidelity Co-operative Bank | Strong | Strong | Acceptable | Sound | Strong | $714 | +0.060% | 60 | |
21 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,155 | +0.227% | 45 | |
22 | Middlesex Savings Bank | Strong | Strong | Acceptable | Sound | Strong | $654 | +0.217% | 22 | |
23 | CIBM Bank | Strong | Sound | Strong | Strong | Sound | $2,144 | +0.443% | 18 | |
24 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,430 | +0.538% | 19 | |
25 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,436 | -0.306% | 18 | |
26 | Ixonia Bank | Sound | Mediocre | Exceptional | 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.
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