Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $215Fees | 0.355%Above | 377 | |
2 | Independent BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,061Fees | 0.211%Above | 316 | |
3 | Mercantile BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $741Fees | 0.197%Above | 547 | |
4 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $739Fees | 0.201%Above | 444 | |
5 | The Dart BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,028Fees | 0.183%Above | 242 | |
6 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,986Fees | 0.521%Above | 190 | |
7 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,709Fees | 0.274%Above | 161 | |
8 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,608Fees | 0.367%Above | 29 | |
9 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,166Fees | 0.255%Above | 201 | |
10 | Horizon BankBank | Strong | Strong | Sound | Sound | Sound | $1,431Fees | 0.313%Above | 36 |
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.