Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,224Fees | 0.107%Above | 821 | |
2 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $358Fees | 0.012%Below | 749 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,759Fees | 0.059%Below | 539 | |
4 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,227Fees | 0.150%Above | 308 | |
5 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,562Fees | 0.190%Above | 1,795 | |
6 | Zions Bancorporation, N.A.Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,593Fees | 0.132%Above | 224 | |
7 | Bell BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,340Fees | 0.374%Above | 735 | |
8 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,252Fees | 0.220%Above | 902 | |
9 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $2,803Fees | 0.259%Above | 222 | |
10 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,963Fees | 0.334%Above | 823 |
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.