Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $582Fees | 0.150%Above | 121 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,012Fees | 0.044%Below | 102 | |
3 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $696Fees | 0.264%Above | 409 | |
4 | Old National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $863Fees | 0.418%Below | 342 | |
5 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,887Fees | 0.209%Above | 765 | |
6 | Jackson County BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,174Fees | 0.154%Above | 80 | |
7 | Merchants Bank of IndianaBank | Strong | Sound | Strong | Exceptional | Strong | $1,383Fees | 0.156%Above | 192 | |
8 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,401Fees | 0.415%Above | 165 | |
9 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,042Fees | 0.408%Above | 531 | |
10 | Union Savings BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,004Fees | 0.183%Above | 494 | |
11 | Centier BankBank | Strong | Sound | Strong | Strong | Strong | $569Fees | 0.554%Above | 105 | |
12 | First Merchants BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $976Fees | 0.254%Above | 254 | |
13 | STAR Financial BankBank | Strong | Sound | Strong | Sound | Strong | $1,050Fees | 0.063%Above | 89 |
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.