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