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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,407 | +0.478% | 163 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,450 | +0.049% | 406 | |
3 | Eagle Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | Strong | $3,817 | +0.089% | 316 | |
4 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,864 | +0.175% | 186 | |
5 | Glacier Bank | Strong | Sound | Strong | Strong | Exceptional | $3,517 | +0.074% | 476 | |
6 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,088 | -0.153% | 63 | |
7 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,675 | +0.046% | 91 | |
8 | First Federal Savings Bank of Twin Falls | Strong | Sound | — | Strong | Strong | $3,540 | -0.078% | 267 | |
9 | Bank of England | Strong | Sound | Strong | Strong | Sound | $2,352 | +0.144% | 72 | |
10 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Strong | $4,454 | +0.253% | 211 | |
11 | Willamette Valley Bank | Sound | Mediocre | Strong | Strong | Strong | $5,848 | +0.264% | 343 | |
12 | D. L. EVANS BANK | Sound | Acceptable | Acceptable | Strong | Strong | $3,478 | +0.189% | 115 |
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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