Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $246Fees | 0.469%Below | 227 | |
2 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $444Fees | 0.294%Below | 207 | |
3 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $635Fees | 0.038%Below | 832 | |
4 | The Huntington National BankBank | Strong | Strong | Strong | Strong | $1,512Fees | 0.129%Above | 501 | |
5 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,199Fees | 0.159%Below | 370 | |
6 | First Western Trust BankBank | Strong | Sound | Strong | Exceptional | $1,616Fees | 0.076%Above | 599 | |
7 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,368Fees | 0.003%Above | 470 | |
8 | Zions Bancorporation, N.A.Bank | Strong | Strong | Sound | Strong | $1,785Fees | 0.146%Below | 240 | |
9 | Alpine BankBank | Strong | Strong | Sound | Strong | $1,466Fees | 0.135%Above | 224 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,182Fees | 0.055%Above | 1,207 | |
11 | FirstBankBank | Strong | Sound | Sound | Exceptional | $1,171Fees | 0.294%Below | 881 | |
12 | The Central Trust BankBank | Strong | Sound | Strong | Strong | $2,190Fees | 0.107%Above | 554 | |
13 | NBH BankBank | Strong | Sound | Strong | Strong | $2,214Fees | 0.237%Above | 345 | |
14 | Northpointe BankBank | Strong | Sound | Strong | Strong | $3,812Fees | 0.124%Above | 272 | |
15 | BMO Bank National AssociationBank | Strong | Sound | Sound | Strong | $1,394Fees | 0.080%Above | 286 | |
16 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $2,376Fees | 0.143%Below | 253 | |
17 | Bank of ColoradoBank | Strong | Acceptable | Sound | Exceptional | $3,367Fees | 0.199%Above | 518 | |
18 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | $1,081Fees | 0.251%Above | 514 | |
19 | Plains Commerce BankBank | Strong | Acceptable | Strong | Strong | $2,998Fees | 0.085%Above | 416 | |
20 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Strong | Strong | $4,422Fees | 0.407%Above | 394 | |
21 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | $821Fees | 0.086%Below | 357 | |
22 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,992Fees | 0.150%Above | 252 | |
23 | Charles Schwab Bank, SSBBank | Strong | Acceptable | Strong | Strong | $836Fees | 0.240%Below | 173 | |
24 | Ixonia BankBank | Sound | Mediocre | Strong | Strong | $3,491Fees | 0.474%Above | 482 |
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.