Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Eagle Bank and Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $3,142Fees | 0.296%Above | 272 | |
2 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,343Fees | 0.086%Above | 241 | |
3 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,324Fees | 0.096%Above | 402 | |
4 | Patriot BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,296Fees | 0.027%Below | 399 | |
5 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,143Fees | 0.219%Above | 335 | |
6 | Cadence BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,250Fees | 0.001%Above | 421 | |
7 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,635Fees | 0.109%Below | 53 | |
8 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $2,288Fees | 0.220%Above | 181 | |
9 | Bank of EnglandBank | Strong | Sound | Strong | Strong | Strong | $2,655Fees | 0.213%Above | 104 | |
10 | Regions BankBank | Strong | Sound | Strong | Sound | Strong | $1,957Fees | 0.462%Above | 240 | |
11 | Independent BankBank | Sound | Acceptable | — | Sound | Strong | $2,320Fees | 0.386%Above | 110 | |
12 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $3,381Fees | 0.575%Above | 28 |
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.