Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Amarillo National BankBank | Exceptional | Strong | Exceptional | Strong | $951Fees | 0.142%Above | 56 | |
2 | American National Bank & TrustBank | Strong | Strong | Exceptional | Sound | $503Fees | 0.198%Above | 20 | |
3 | City BankBank | Strong | Acceptable | Strong | Exceptional | $2,091Fees | 0.420%Above | 158 | |
4 | First United BankBank | Strong | Sound | Sound | Strong | $2,022Fees | 0.171%Above | 78 | |
5 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | $1,971Fees | 0.080%Above | 46 | |
6 | Prosperity BankBank | Strong | Sound | Acceptable | Strong | $1,014Fees | 0.120%Above | 52 | |
7 | Centennial BankBank | Strong | Sound | Sound | Sound | $1,551Fees | 0.609%Above | 36 | |
8 | USAA Federal Savings BankBank | Strong | Sound | Sound | Sound | $1,051Fees | 0.181%Below | 20 | |
9 | Flagstar Bank, N.A.Bank | Sound | Acceptable | Strong | Sound | $1,647Fees | 0.190%Above | 22 |
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.