Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,450 | +0.049% | 406 | |
2 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $2,724 | -0.154% | 322 | |
3 | Eagle Bank and Trust Company | Strong | Sound | Exceptional | Strong | $3,817 | +0.089% | 316 | |
4 | KeyBank National Association | Strong | Strong | Strong | Sound | $2,078 | +0.036% | 75 | |
5 | First Federal Savings Bank of Twin Falls | Strong | Sound | Strong | Strong | $3,540 | -0.078% | 267 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,864 | +0.175% | 186 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,250 | +0.030% | 112 | |
8 | Washington Trust Bank | Strong | Sound | Sound | Strong | $1,159 | +0.144% | 62 | |
9 | Glacier Bank | Strong | Acceptable | Sound | Exceptional | $3,517 | +0.074% | 476 | |
10 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | $4,454 | +0.253% | 211 | |
11 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $4,407 | +0.478% | 163 | |
12 | D. L. EVANS BANK | Strong | Acceptable | Strong | Strong | $3,478 | +0.189% | 115 | |
13 | Umpqua Bank | Strong | Acceptable | Strong | Strong | $2,913 | +0.264% | 86 | |
14 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,088 | -0.153% | 63 | |
15 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $3,675 | +0.046% | 91 | |
16 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,514 | +0.243% | 90 | |
17 | Bank of England | Sound | Acceptable | Strong | Sound | $2,352 | +0.144% | 72 | |
18 | Willamette Valley Bank | Sound | Mediocre | Strong | Strong | $5,848 | +0.264% | 343 | |
19 | WASHINGTON FEDERAL BANK | Sound | Mediocre | Acceptable | Sound | $3,912 | +0.428% | 56 |
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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