Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,430Fees | 0.116%Above | 145 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,578Fees | 0.010%Below | 32 | |
3 | Bank of America, National AssociationBank | Strong | Strong | Exceptional | Strong | Acceptable | $1,857Fees | 0.041%Below | 10 | |
4 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $4,347Fees | 0.002%Above | 65 | |
5 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $4,224Fees | 0.715%Above | 23 | |
6 | International Bank of CommerceBank | Sound | Acceptable | Sound | Sound | Sound | $1,021Fees | 0.692%Above | 12 | |
7 | Lone Star National BankBank | Sound | Mediocre | Sound | Sound | Strong | $4,028Fees | 0.561%Above | 31 | |
8 | Texas Regional BankBank | Sound | Acceptable | Acceptable | Acceptable | Sound | $4,853Fees | 0.038%Above | 10 |
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.