Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $977Fees | 0.128%Below | 331 | |
2 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $821Fees | 0.198%Below | 219 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $873Fees | 0.173%Above | 1,505 | |
4 | Gate City BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,700Fees | 0.206%Below | 321 | |
5 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,002Fees | 0.060%Above | 1,187 | |
6 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,536Fees | 0.269%Above | 680 | |
7 | Merchants Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,010Fees | 0.053%Below | 538 | |
8 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,524Fees | 0.023%Below | 210 | |
9 | Liberty Bank MinnesotaBank | Exceptional | Strong | Strong | Exceptional | Strong | $1,085Fees | 0.141%Above | 187 | |
10 | Think Mutual BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,935Fees | 0.098%Below | 333 | |
11 | Alerus Financial, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $1,608Fees | 0.259%Above | 958 | |
12 | Bremer Bank, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $2,946Fees | 0.260%Above | 716 | |
13 | Frandsen Bank & TrustBank | Strong | Sound | Strong | Strong | Exceptional | $2,442Fees | 0.065%Above | 418 | |
14 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,267Fees | 0.142%Above | 396 | |
15 | Barrington Bank & Trust Company, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,720Fees | 0.403%Above | 281 | |
16 | First Federal BankBank | Strong | Strong | Strong | Sound | Strong | $2,160Fees | 0.269%Below | 152 | |
17 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,925Fees | 0.253%Above | 4,389 | |
18 | North Shore Bank of CommerceBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,437Fees | 0.191%Above | 477 | |
19 | NexBankBank | Strong | Sound | Strong | Strong | Strong | $1,536Fees | 0.213%Above | 222 | |
20 | Minnwest BankBank | Strong | Strong | Sound | Sound | Strong | $2,440Fees | 0.241%Below | 189 | |
21 | First Western Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $3,078Fees | 0.108%Below | 142 | |
22 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,385Fees | 0.259%Above | 578 | |
23 | GRANITE BANKBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,195Fees | 0.318%Above | 495 | |
24 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,432Fees | 0.366%Above | 424 | |
25 | Deerwood BankBank | Strong | Sound | Sound | Strong | Strong | $2,656Fees | 0.024%Below | 247 | |
26 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Strong | $2,016Fees | 0.109%Below | 194 | |
27 | Park State BankBank | Strong | Sound | Sound | Sound | Strong | $2,499Fees | 0.036%Below | 142 | |
28 | HomeTown BankBank | Strong | Sound | Acceptable | Sound | Strong | $2,530Fees | 0.063%Below | 149 |
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.