Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $954 | -0.145% | 298 | |
2 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $723 | -0.203% | 273 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $677 | +0.140% | 972 | |
4 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,830 | -0.004% | 880 | |
5 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,501 | +0.244% | 601 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,518 | -0.079% | 191 | |
7 | Merchants Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $1,923 | -0.099% | 94 | |
8 | Alerus Financial, National Association | Strong | Sound | Strong | Strong | Exceptional | $1,331 | +0.322% | 647 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,172 | +0.122% | 328 | |
10 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,682 | +0.362% | 223 | |
11 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,964 | +0.254% | 3,624 | |
12 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | Strong | $3,146 | +0.216% | 204 | |
13 | NexBank | Strong | Sound | Strong | Strong | Strong | $1,432 | +0.192% | 188 | |
14 | Frandsen Bank & Trust | Strong | Sound | Strong | Strong | Strong | $2,561 | -0.013% | 117 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,303 | +0.304% | 325 | |
16 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,553 | +0.291% | 221 | |
17 | GRANITE BANK | Strong | Acceptable | Strong | Strong | Strong | $3,212 | +0.313% | 318 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $2,153 | -0.164% | 126 | |
19 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,791 | +0.712% | 120 |
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.
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