Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | United Community BankBank | Exceptional | Exceptional | Strong | Exceptional | $121Fees | 0.128%Above | 649 | |
2 | FCB BanksBank | Exceptional | Exceptional | Strong | Exceptional | $715Fees | 0.092%Below | 566 | |
3 | Busey BankBank | Exceptional | Strong | Exceptional | Exceptional | $911Fees | 0.312%Above | 669 | |
4 | INB, National AssociationBank | Exceptional | Strong | Exceptional | Exceptional | $640Fees | 0.308%Above | 653 | |
5 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | $861Fees | 0.034%Above | 626 | |
6 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $533Fees | 0.096%Above | 484 | |
7 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $252Fees | 0.414%Below | 295 | |
8 | The Huntington National BankBank | Exceptional | Strong | Strong | Exceptional | $745Credit | 0.195%Above | 2,085 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $460Fees | 0.254%Above | 2,055 | |
10 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $339Credit | 0.266%Above | 1,233 | |
11 | Bank of America, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,634Fees | 0.082%Below | 1,025 | |
12 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | $1,743Credit | 0.101%Below | 811 | |
13 | First Mid Bank & Trust, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $872Fees | 0.176%Above | 741 | |
14 | Bank of SpringfieldBank | Exceptional | Strong | Exceptional | Strong | $461Fees | 0.093%Above | 373 | |
15 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $188Credit | 0.254%Above | 784 | |
16 | Heartland Bank and Trust CompanyBank | Strong | Strong | Sound | Exceptional | $573Fees | 0.471%Above | 371 | |
17 | Carrollton BankBank | Strong | Strong | Strong | Strong | $776Fees | 0.080%Above | 365 | |
18 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,688Fees | 0.163%Above | 6,487 | |
19 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,823Fees | 0.033%Above | 781 | |
20 | Morton Community BankBank | Strong | Sound | Strong | Exceptional | $683Fees | 0.460%Above | 455 | |
21 | Peoples National Bank , N.A.Bank | Strong | Strong | Sound | Strong | $864Fees | 0.302%Above | 283 | |
22 | Petefish, Skiles & Co.Bank | Strong | Strong | Sound | Strong | $1,050Fees | 0.269%Above | 252 | |
23 | Regions BankBank | Strong | Sound | Strong | Strong | $1,214Fees | 0.586%Above | 345 | |
24 | NexBankBank | Strong | Sound | Strong | Strong | $1,484Fees | 0.411%Above | 280 | |
25 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Strong | Exceptional | $1,856Fees | 0.455%Above | 2,395 | |
26 | BMO Bank National AssociationBank | Strong | Sound | Sound | Strong | $449Fees | 0.420%Above | 582 | |
27 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,493Fees | 0.059%Below | 361 | |
28 | CIBM BankBank | Strong | Sound | Sound | Strong | $1,394Fees | 0.491%Above | 352 | |
29 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,249Fees | 0.530%Above | 704 | |
30 | Midland States BankBank | Strong | Acceptable | Sound | Exceptional | $1,376Fees | 0.696%Above | 426 | |
31 | The Federal Savings BankBank | Sound | Mediocre | Sound | Exceptional | $3,061Fees | 0.794%Above | 933 | |
32 | Ixonia BankBank | Sound | Mediocre | Strong | Strong | $3,434Fees | 0.807%Above | 536 |
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.