Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $598Fees | 0.060%Below | 447 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,273Fees | 0.153%Below | 254 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,240Fees | 0.002%Below | 242 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $193Fees | 0.478%Below | 116 | |
5 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,524Fees | 0.053%Above | 203 | |
6 | FirstBankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,182Fees | 0.307%Below | 493 | |
7 | Zions Bancorporation, N.A.Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,274Fees | 0.228%Below | 108 | |
8 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,086Fees | 0.033%Above | 751 | |
9 | First Western Trust BankBank | Strong | Sound | Strong | Strong | Strong | $939Fees | 0.009%Above | 197 | |
10 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,351Fees | 0.099%Above | 322 | |
11 | BOKF, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,294Fees | 0.273%Above | 230 | |
12 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $2,788Fees | 0.110%Above | 264 | |
13 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $666Fees | 0.093%Below | 308 | |
14 | Ixonia BankBank | Sound | Mediocre | Strong | Sound | Strong | $3,421Fees | 0.502%Above | 330 |
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.