Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Gate City BankBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,557Fees | 0.404%Below | 254 | |
2 | Dakota Community Bank & Trust, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,779Fees | 0.413%Below | 118 | |
3 | First International Bank & TrustBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,022Fees | 0.013%Below | 97 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $577Fees | 0.062%Below | 23 | |
5 | First Western Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $2,971Fees | 0.042%Below | 27 | |
6 | First Federal BankBank | Strong | Strong | Strong | Sound | Sound | $1,329Fees | 0.257%Below | 10 | |
7 | Starion BankBank | Strong | Sound | Sound | Strong | Strong | $2,543Fees | 0.150%Below | 46 | |
8 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,654Fees | 0.060%Above | 36 | |
9 | Choice Financial GroupBank | Strong | Sound | Sound | Strong | Sound | $3,658Fees | 0.108%Below | 11 |
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.