Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $192Fees | 0.086%Below | 592 | |
2 | Armed Forces Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,652Fees | 0.001%Above | 76 | |
3 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,702Fees | 0.040%Above | 867 | |
4 | Arvest BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,363Fees | 0.181%Above | 582 | |
5 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,699Fees | 0.121%Above | 147 | |
6 | North American Savings Bank, F.S.B.Bank | Exceptional | Exceptional | Strong | Strong | Strong | $906Fees | 0.232%Above | 64 | |
7 | First BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,422Fees | 0.049%Above | 465 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $688Fees | 0.180%Above | 364 | |
9 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,191Fees | 0.222%Above | 298 | |
10 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,700Fees | 0.120%Below | 122 | |
11 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,625Fees | 0.311%Above | 280 | |
12 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | Strong | $1,315Fees | 0.218%Above | 135 | |
13 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $69Fees | 0.308%Above | 443 | |
14 | Oakstar BankBank | Strong | Strong | Acceptable | Strong | Strong | $649Fees | 0.027%Above | 168 | |
15 | Academy Bank, National AssociationBank | Strong | Strong | Sound | Acceptable | Strong | $1,137Fees | 0.322%Above | 153 |
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.