Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $1,304Fees | 0.035%Above | 55 | |
2 | First National Bank of OmahaBank | Strong | Strong | Strong | Strong | $1,897Fees | 0.241%Above | 37 | |
3 | First Western Trust BankBank | Strong | Sound | Strong | Strong | $1,774Fees | 0.199%Above | 82 | |
4 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $3,106Fees | 0.005%Above | 73 | |
5 | FirstBankBank | Strong | Sound | Sound | Strong | $1,388Fees | 0.204%Below | 65 | |
6 | Gateway First BankBank | Strong | Acceptable | Strong | Strong | $5,910Fees | 0.430%Above | 77 | |
7 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Strong | Strong | $4,443Fees | 0.460%Above | 71 | |
8 | Bank of ColoradoBank | Sound | Acceptable | Sound | Strong | $3,793Fees | 0.165%Above | 75 | |
9 | Plains Commerce BankBank | Sound | Acceptable | Strong | Sound | $3,181Fees | 0.326%Above | 24 | |
10 | Ixonia BankBank | Sound | Mediocre | Strong | Sound | $4,002Fees | 0.407%Above | 40 |
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.