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 | Strong | Exceptional | Strong | Sound | $857Fees | 0.006%Above | 29 | |
2 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $3,387Fees | 0.011%Below | 19 | |
3 | Oakstar BankBank | Strong | Strong | Strong | Strong | Sound | $935Fees | 0.293%Above | 12 | |
4 | Zions Bancorporation, N.A.Bank | Strong | Strong | Strong | Sound | Sound | $98Credit | 0.080%Below | 30 | |
5 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,827Fees | 0.446%Above | 27 | |
6 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,647Fees | 0.185%Above | 27 | |
7 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,271Fees | 0.120%Below | 12 | |
8 | Alpine BankBank | Strong | Sound | Sound | Sound | Strong | $1,812Fees | 0.018%Below | 29 | |
9 | Bank of ColoradoBank | Strong | Acceptable | Strong | Sound | Strong | $3,929Fees | 0.026%Above | 27 | |
10 | CORNERSTONE CAPITAL BANK, SSBBank | Sound | Mediocre | Exceptional | Strong | Sound | $4,363Fees | 0.435%Above | 14 |
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.