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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $598 | -0.060% | 447 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,351 | +0.099% | 322 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,273 | -0.153% | 254 | |
4 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $496 | -0.264% | 118 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $193 | -0.478% | 116 | |
6 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,240 | -0.002% | 242 | |
7 | First Western Trust Bank | Exceptional | Strong | Strong | Strong | Strong | $939 | +0.009% | 197 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,086 | +0.033% | 751 | |
9 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,294 | +0.273% | 230 | |
10 | BMO Bank National Association | Strong | Strong | Strong | Sound | Strong | $1,524 | +0.053% | 203 | |
11 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Strong | $4,078 | +0.049% | 147 | |
12 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Strong | $2,274 | -0.228% | 108 | |
13 | FirstBank | Strong | Sound | Strong | Sound | Exceptional | $1,182 | -0.307% | 493 | |
14 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,788 | +0.110% | 264 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,981 | +0.143% | 151 | |
16 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Strong | $666 | -0.093% | 308 | |
17 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,421 | +0.502% | 330 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,954 | -0.207% | 96 |
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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