Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $723Fees | 0.203%Below | 273 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $677Fees | 0.140%Above | 972 | |
3 | Alerus Financial, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,331Fees | 0.322%Above | 647 | |
4 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,501Fees | 0.244%Above | 601 | |
5 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $954Fees | 0.145%Below | 298 | |
6 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,303Fees | 0.304%Above | 325 | |
7 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,553Fees | 0.291%Above | 221 | |
8 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,964Fees | 0.254%Above | 3,624 | |
9 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,830Fees | 0.004%Below | 880 | |
10 | GRANITE BANKBank | Strong | Sound | Strong | Strong | Strong | $3,212Fees | 0.313%Above | 318 | |
11 | Bremer Bank, National AssociationBank | Strong | Sound | Strong | Strong | Strong | $3,146Fees | 0.216%Above | 204 | |
12 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,172Fees | 0.122%Above | 328 | |
13 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,682Fees | 0.362%Above | 223 | |
14 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,791Fees | 0.712%Above | 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.