Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Capitol Federal Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,403 | -0.192% | 512 | |
2 | NBKC BANK | Exceptional | Exceptional | Sound | Exceptional | $192 | -0.086% | 592 | |
3 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | $1,702 | +0.040% | 867 | |
4 | First Bank | Exceptional | Strong | Strong | Exceptional | $1,422 | +0.049% | 465 | |
5 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,699 | +0.121% | 147 | |
6 | Landmark National Bank | Exceptional | Strong | Exceptional | Strong | $1,071 | -0.065% | 122 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $688 | +0.180% | 364 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,917 | -0.109% | 218 | |
9 | First National Bank of Omaha | Strong | Strong | Strong | Strong | $795 | +0.274% | 171 | |
10 | Oakstar Bank | Strong | Strong | Strong | Strong | $649 | +0.027% | 168 | |
11 | Fidelity Bank, National Association | Strong | Strong | Strong | Strong | $994 | +0.471% | 90 | |
12 | UMB Bank, National Association | Strong | Strong | Sound | Strong | $578 | +0.010% | 189 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,197 | +0.091% | 162 | |
14 | Mid-America Bank | Strong | Sound | Exceptional | Strong | $948 | +0.339% | 90 | |
15 | Armed Forces Bank, National Association | Strong | Strong | Sound | Strong | $1,652 | +0.001% | 76 | |
16 | Farmers Bank & Trust | Strong | Exceptional | Acceptable | Sound | $448 | -0.229% | 63 | |
17 | The Central Trust Bank | Strong | Sound | Strong | Strong | $69 | +0.308% | 443 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,708 | +0.096% | 303 | |
19 | First Federal Bank of Kansas City | Strong | Sound | Strong | Strong | $1,624 | +0.552% | 189 | |
20 | Stride Bank, National Association | Strong | Sound | Strong | Strong | $1,315 | +0.218% | 135 | |
21 | NBH Bank | Strong | Sound | Strong | Strong | $985 | +0.402% | 127 | |
22 | NexBank | Strong | Sound | Strong | Strong | $1,118 | +0.366% | 94 | |
23 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,363 | +0.181% | 582 | |
24 | Commerce Bank | Strong | Sound | Sound | Strong | $122 | +0.263% | 332 | |
25 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $2,191 | +0.222% | 298 | |
26 | Academy Bank, National Association | Strong | Sound | Sound | Strong | $1,137 | +0.322% | 153 | |
27 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,700 | -0.120% | 122 | |
28 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,625 | +0.311% | 280 | |
29 | BOKF, National Association | Strong | Acceptable | Strong | Strong | $1,707 | +0.378% | 135 | |
30 | North American Savings Bank, F.S.B. | Strong | Sound | Acceptable | Strong | $906 | +0.232% | 64 | |
31 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $2,433 | +0.559% | 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.
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