Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Plains Commerce BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,432Fees | 0.366%Above | 424 | |
2 | Barrington Bank & Trust Company, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,720Fees | 0.403%Above | 281 | |
3 | Bell BankBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,925Fees | 0.253%Above | 4,389 | |
4 | Alerus Financial, National AssociationBank | Strong | Sound | — | Strong | Exceptional | $1,608Fees | 0.259%Above | 958 | |
5 | Bremer Bank, National AssociationBank | Strong | Sound | Sound | Strong | Exceptional | $2,946Fees | 0.260%Above | 716 | |
6 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $2,385Fees | 0.259%Above | 578 | |
7 | Frandsen Bank & TrustBank | Strong | Sound | — | Strong | Exceptional | $2,442Fees | 0.065%Above | 418 | |
8 | Park State BankBank | Strong | Sound | — | Sound | Strong | $2,499Fees | 0.036%Below | 142 |
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.