Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $677Fees | 0.140%Above | 972 | |
2 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,964Fees | 0.254%Above | 3,624 | |
3 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,172Fees | 0.122%Above | 328 | |
4 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,153Fees | 0.164%Below | 126 | |
5 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Exceptional | $1,830Fees | 0.004%Below | 880 | |
6 | Alerus Financial, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $1,331Fees | 0.322%Above | 647 | |
7 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,303Fees | 0.304%Above | 325 | |
8 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,553Fees | 0.291%Above | 221 | |
9 | GRANITE BANKBank | Strong | Sound | Strong | Strong | Strong | $3,212Fees | 0.313%Above | 318 | |
10 | Barrington Bank & Trust Company, National AssociationBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,682Fees | 0.362%Above | 223 | |
11 | 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.