Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VeraBank, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $811Fees | 0.154%Above | 73 | |
2 | Cadence BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,581Fees | 0.230%Above | 64 | |
3 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,667Fees | 0.095%Above | 13 | |
4 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $2,140Fees | 0.213%Above | 26 | |
5 | Origin BankBank | Strong | Sound | Strong | Strong | Sound | $802Fees | 0.305%Above | 23 | |
6 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,479Fees | 0.545%Above | 12 | |
7 | Guaranty Bank & Trust, N.A.Bank | Strong | Sound | Sound | Sound | Sound | $1,193Fees | 0.152%Above | 13 | |
8 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Sound | $1,712Fees | 0.233%Below | 13 | |
9 | Austin Bank, Texas National AssociationBank | Sound | Mediocre | Strong | Sound | Strong | $861Fees | 0.709%Above | 57 |
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.