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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,702 | +0.040% | 867 | |
2 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Exceptional | $192 | -0.086% | 592 | |
3 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,422 | +0.049% | 465 | |
4 | UMB Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $578 | +0.010% | 189 | |
5 | Arvest Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,363 | +0.181% | 582 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $688 | +0.180% | 364 | |
7 | First National Bank of Omaha | Exceptional | Strong | Strong | Strong | Strong | $795 | +0.274% | 171 | |
8 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $1,699 | +0.121% | 147 | |
9 | NBH Bank | Exceptional | Strong | Strong | Strong | Strong | $985 | +0.402% | 127 | |
10 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $69 | +0.308% | 443 | |
11 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,625 | +0.311% | 280 | |
12 | Stride Bank, National Association | Strong | Sound | Strong | Exceptional | Strong | $1,315 | +0.218% | 135 | |
13 | Fidelity Bank, National Association | Strong | Strong | Strong | Sound | Strong | $994 | +0.471% | 90 | |
14 | Academy Bank, National Association | Strong | Strong | Sound | Sound | Strong | $1,137 | +0.322% | 153 | |
15 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,433 | +0.559% | 87 | |
16 | North American Savings Bank, F.S.B. | Strong | Strong | Sound | Sound | Strong | $906 | +0.232% | 64 | |
17 | Commerce Bank | Strong | Sound | Strong | Sound | Strong | $122 | +0.263% | 332 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,708 | +0.096% | 303 | |
19 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,191 | +0.222% | 298 | |
20 | First Federal Bank of Kansas City | Strong | Sound | — | Strong | Strong | $1,624 | +0.552% | 189 | |
21 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,197 | +0.091% | 162 | |
22 | Oakstar Bank | Strong | Strong | Acceptable | Acceptable | Strong | $649 | +0.027% | 168 | |
23 | BOKF, National Association | Strong | Acceptable | Strong | Strong | Strong | $1,707 | +0.378% | 135 | |
24 | Armed Forces Bank, National Association | Strong | Sound | Sound | Sound | Strong | $1,652 | +0.001% | 76 | |
25 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,917 | -0.109% | 218 |
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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