Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Capitol Federal Savings BankBank | Exceptional | Exceptional | Strong | Exceptional | $1,403Fees | 0.192%Below | 512 | |
2 | NBKC BANKBank | Exceptional | Exceptional | Sound | Exceptional | $192Fees | 0.086%Below | 592 | |
3 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | $1,702Fees | 0.040%Above | 867 | |
4 | First BankBank | Exceptional | Strong | Strong | Exceptional | $1,422Fees | 0.049%Above | 465 | |
5 | First Federal BankBank | Exceptional | Exceptional | Sound | Strong | $1,699Fees | 0.121%Above | 147 | |
6 | Landmark National BankBank | Exceptional | Strong | Exceptional | Strong | $1,071Fees | 0.065%Below | 122 | |
7 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $688Fees | 0.180%Above | 364 | |
8 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,917Fees | 0.109%Below | 218 | |
9 | First National Bank of OmahaBank | Strong | Strong | Strong | Strong | $795Fees | 0.274%Above | 171 | |
10 | Oakstar BankBank | Strong | Strong | Strong | Strong | $649Fees | 0.027%Above | 168 | |
11 | Fidelity Bank, National AssociationBank | Strong | Strong | Strong | Strong | $994Fees | 0.471%Above | 90 | |
12 | UMB Bank, National AssociationBank | Strong | Strong | Sound | Strong | $578Fees | 0.010%Above | 189 | |
13 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,197Fees | 0.091%Above | 162 | |
14 | Mid-America BankBank | Strong | Sound | Exceptional | Strong | $948Fees | 0.339%Above | 90 | |
15 | Armed Forces Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,652Fees | 0.001%Above | 76 | |
16 | Farmers Bank & TrustBank | Strong | Exceptional | Acceptable | Sound | $448Fees | 0.229%Below | 63 | |
17 | The Central Trust BankBank | Strong | Sound | Strong | Strong | $69Fees | 0.308%Above | 443 | |
18 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,708Fees | 0.096%Above | 303 | |
19 | First Federal Bank of Kansas CityBank | Strong | Sound | Strong | Strong | $1,624Fees | 0.552%Above | 189 | |
20 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,315Fees | 0.218%Above | 135 | |
21 | NBH BankBank | Strong | Sound | Strong | Strong | $985Fees | 0.402%Above | 127 | |
22 | NexBankBank | Strong | Sound | Strong | Strong | $1,118Fees | 0.366%Above | 94 | |
23 | Arvest BankBank | Strong | Acceptable | Strong | Exceptional | $1,363Fees | 0.181%Above | 582 | |
24 | Commerce BankBank | Strong | Sound | Sound | Strong | $122Fees | 0.263%Above | 332 | |
25 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | $2,191Fees | 0.222%Above | 298 | |
26 | Academy Bank, National AssociationBank | Strong | Sound | Sound | Strong | $1,137Fees | 0.322%Above | 153 | |
27 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,700Fees | 0.120%Below | 122 | |
28 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $1,625Fees | 0.311%Above | 280 | |
29 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | $1,707Fees | 0.378%Above | 135 | |
30 | North American Savings Bank, F.S.B.Bank | Strong | Sound | Acceptable | Strong | $906Fees | 0.232%Above | 64 | |
31 | Plains Commerce BankBank | Sound | Acceptable | Strong | Sound | $2,433Fees | 0.559%Above | 87 |
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.