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 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,640 | -0.155% | 185 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $595 | -0.106% | 183 | |
3 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $824 | -0.155% | 84 | |
4 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,355 | -0.003% | 784 | |
5 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,582 | -0.076% | 193 | |
6 | Frost Bank | Exceptional | Exceptional | Sound | Sound | Strong | -$311 | -0.471% | 91 | |
7 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $2,309 | -0.119% | 208 | |
8 | First United Bank and Trust Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,900 | +0.237% | 525 | |
9 | NexBank | Strong | Sound | Strong | Strong | Strong | $2,812 | +0.151% | 182 | |
10 | VeraBank, National Association | Strong | Sound | Strong | Strong | Strong | $1,080 | +0.591% | 140 | |
11 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,371 | +0.171% | 198 | |
12 | Florida Capital Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,160 | +0.024% | 143 | |
13 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,094 | +0.164% | 95 | |
14 | Prosperity Bank | Strong | Sound | Strong | Sound | Strong | $1,416 | +0.340% | 86 | |
15 | First Bank | Strong | Acceptable | Strong | Strong | Strong | $3,677 | +0.198% | 146 | |
16 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $2,597 | -0.217% | 94 | |
17 | CORNERSTONE CAPITAL BANK, SSB | Strong | Mediocre | Exceptional | Strong | Strong | $3,623 | +0.162% | 235 |
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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