Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Hills Bank and Trust CompanyBank | Exceptional | Exceptional | Exceptional | Exceptional | $739Fees | 0.300%Below | 1,211 | |
2 | Luana Savings BankBank | Exceptional | Exceptional | Strong | Exceptional | $697Credit | 0.193%Below | 436 | |
3 | WEST GATE BANKBank | Exceptional | Exceptional | Exceptional | Strong | $1,060Fees | 0.088%Below | 248 | |
4 | Central BankBank | Exceptional | Strong | Exceptional | Exceptional | $2,067Fees | 0.094%Below | 495 | |
5 | Fidelity Bank & TrustBank | Exceptional | Exceptional | Strong | Strong | $745Fees | 0.586%Below | 211 | |
6 | Northwest BankBank | Exceptional | Strong | Strong | Exceptional | $1,074Fees | 0.073%Above | 900 | |
7 | Fortress BankBank | Exceptional | Strong | Strong | Exceptional | $1,548Fees | 0.271%Above | 452 | |
8 | MidWestOne BankBank | Exceptional | Strong | Exceptional | Strong | $839Fees | 0.010%Below | 288 | |
9 | Farmers State BankBank | Exceptional | Exceptional | Sound | Strong | $896Fees | 0.043%Below | 169 | |
10 | Bankers Trust CompanyBank | Exceptional | Exceptional | Sound | Strong | $440Fees | 0.296%Below | 121 | |
11 | BANKBank | Exceptional | Exceptional | Sound | Strong | $1,138Fees | 0.522%Below | 107 | |
12 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $965Fees | 0.210%Above | 838 | |
13 | Lincoln Savings BankBank | Strong | Strong | Strong | Strong | $1,459Fees | 0.112%Above | 263 | |
14 | Fidelity BankBank | Strong | Strong | Strong | Strong | $1,403Fees | 0.225%Above | 238 | |
15 | Great Southern BankBank | Strong | Strong | Strong | Strong | $1,486Fees | 0.018%Above | 129 | |
16 | First National Bank of OmahaBank | Strong | Strong | Strong | Strong | $1,846Fees | 0.280%Above | 113 | |
17 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,696Fees | 0.120%Above | 516 | |
18 | Truist BankBank | Strong | Strong | Strong | Sound | $3,406Fees | 0.195%Above | 110 | |
19 | Farmers State BankBank | Strong | Strong | Sound | Strong | $1,001Fees | 0.533%Below | 106 | |
20 | Bank IowaBank | Strong | Sound | Strong | Strong | $1,407Fees | 0.124%Above | 240 | |
21 | CHARTER WEST BANKBank | Strong | Sound | Strong | Strong | $1,517Fees | 0.415%Above | 122 | |
22 | CBI Bank & TrustBank | Strong | Sound | Strong | Strong | $954Fees | 0.319%Above | 118 | |
23 | The Central Trust BankBank | Strong | Sound | Strong | Strong | $1,713Fees | 0.309%Above | 102 | |
24 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | $1,581Fees | 0.098%Above | 111 | |
25 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Strong | Strong | $2,332Fees | 0.325%Above | 315 | |
26 | Plains Commerce BankBank | Strong | Acceptable | Strong | Strong | $2,138Fees | 0.448%Above | 264 | |
27 | USAA Federal Savings BankBank | Strong | Sound | Sound | Sound | $1,313Fees | 0.101%Below | 102 | |
28 | United Bank of IowaBank | Sound | Acceptable | Sound | Strong | $1,366Fees | 0.334%Above | 172 | |
29 | Flanagan State BankBank | Sound | Acceptable | Sound | Strong | $2,578Fees | 0.606%Above | 157 | |
30 | Flagstar Bank, N.A.Bank | Sound | Acceptable | Strong | Sound | $1,873Fees | 0.394%Above | 121 | |
31 | Two Rivers Bank & TrustBank | Sound | Mediocre | Acceptable | Strong | $284Fees | 0.439%Above | 79 |
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.