Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $444Fees | 0.294%Below | 207 | |
2 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,422Fees | 0.407%Above | 394 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $635Fees | 0.038%Below | 832 | |
4 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,512Fees | 0.129%Above | 501 | |
5 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,182Fees | 0.055%Above | 1,207 | |
6 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,376Fees | 0.143%Below | 253 | |
7 | First Western Trust BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,616Fees | 0.076%Above | 599 | |
8 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,998Fees | 0.085%Above | 416 | |
9 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,992Fees | 0.150%Above | 252 | |
10 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $2,190Fees | 0.107%Above | 554 | |
11 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,368Fees | 0.003%Above | 470 | |
12 | NBH BankBank | Strong | Sound | Strong | Strong | Strong | $2,214Fees | 0.237%Above | 345 | |
13 | Northpointe BankBank | Strong | Sound | Strong | Strong | Strong | $3,812Fees | 0.124%Above | 272 | |
14 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $1,081Fees | 0.251%Above | 514 | |
15 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $821Fees | 0.086%Below | 357 | |
16 | Bank of ColoradoBank | Strong | Acceptable | — | Sound | Exceptional | $3,367Fees | 0.199%Above | 518 | |
17 | Ixonia BankBank | Strong | Mediocre | Exceptional | 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.