Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Red River BankBank | Exceptional | Exceptional | Strong | Strong | Sound | $581Fees | 0.119%Below | 20 | |
2 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Strong | Strong | $1,286Fees | 0.188%Above | 47 | |
3 | First Horizon BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,559Fees | 0.125%Above | 104 | |
4 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,015Fees | 0.305%Above | 70 | |
5 | Cadence BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,188Fees | 0.213%Above | 23 | |
6 | Colorado Federal Savings BankBank | Strong | Strong | Strong | Sound | Sound | $2,012Fees | 0.037%Above | 16 | |
7 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,891Fees | 0.522%Above | 47 | |
8 | Home Bank, National AssociationBank | Strong | Sound | Sound | Sound | Strong | $1,024Fees | 0.192%Above | 66 | |
9 | FIDELITY BANKBank | Strong | Acceptable | Strong | Strong | Strong | $2,333Fees | 0.347%Above | 65 | |
10 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,698Fees | 0.425%Above | 23 | |
11 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $1,913Fees | 0.259%Above | 22 | |
12 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Sound | $1,421Fees | 0.038%Below | 15 |
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.