Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Northwest BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,074Fees | 0.073%Above | 900 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $965Fees | 0.210%Above | 838 | |
3 | Fortress BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,548Fees | 0.271%Above | 452 | |
4 | Fidelity BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,403Fees | 0.225%Above | 238 | |
5 | Great Southern BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,486Fees | 0.018%Above | 129 | |
6 | CHARTER WEST BANKBank | Exceptional | Strong | Strong | Strong | Strong | $1,517Fees | 0.415%Above | 122 | |
7 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Strong | $1,846Fees | 0.280%Above | 113 | |
8 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,138Fees | 0.448%Above | 264 | |
9 | Lincoln Savings BankBank | Strong | Strong | — | Strong | Strong | $1,459Fees | 0.112%Above | 263 | |
10 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,313Fees | 0.101%Below | 102 | |
11 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,696Fees | 0.120%Above | 516 | |
12 | Flanagan State BankBank | Strong | Sound | Strong | Strong | Strong | $2,578Fees | 0.606%Above | 157 | |
13 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,873Fees | 0.394%Above | 121 | |
14 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $1,713Fees | 0.309%Above | 102 | |
15 | Barrington Bank & Trust Company, National AssociationBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,332Fees | 0.325%Above | 315 |
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.