Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Midwest BankCentreBank | Exceptional | Exceptional | Strong | Strong | $587Fees | 0.003%Above | 289 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $715Fees | 0.217%Above | 1,525 | |
3 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | $1,437Fees | 0.124%Above | 1,157 | |
4 | Stifel Bank and TrustBank | Exceptional | Strong | Strong | Exceptional | $281Fees | 0.060%Below | 1,033 | |
5 | First BankBank | Exceptional | Strong | Strong | Exceptional | $1,280Fees | 0.156%Above | 547 | |
6 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $363Fees | 0.078%Below | 500 | |
7 | Great Southern BankBank | Exceptional | Strong | Strong | Exceptional | $924Fees | 0.094%Above | 461 | |
8 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,489Fees | 0.027%Below | 472 | |
9 | Oakstar BankBank | Strong | Strong | Strong | Strong | $899Fees | 0.205%Above | 401 | |
10 | Carrollton BankBank | Strong | Strong | Strong | Strong | $872Fees | 0.256%Above | 323 | |
11 | Truist BankBank | Strong | Strong | Strong | Strong | $482Fees | 0.229%Above | 273 | |
12 | HNB National BankBank | Strong | Strong | Strong | Strong | $466Fees | 0.094%Above | 207 | |
13 | Guaranty BankBank | Strong | Strong | Strong | Strong | $826Fees | 0.177%Above | 194 | |
14 | The Central Trust BankBank | Strong | Sound | Strong | Exceptional | $1,140Fees | 0.355%Above | 2,384 | |
15 | First State Community BankBank | Strong | Strong | Acceptable | Exceptional | $1,071Fees | 0.031%Above | 592 | |
16 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,162Fees | 0.138%Above | 338 | |
17 | UMB Bank, National AssociationBank | Strong | Strong | Sound | Strong | $735Fees | 0.082%Above | 208 | |
18 | Hawthorn BankBank | Strong | Strong | Sound | Strong | $1,073Fees | 0.076%Above | 175 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,720Fees | 0.186%Above | 661 | |
20 | Commerce BankBank | Strong | Sound | Sound | Exceptional | $281Fees | 0.337%Above | 634 | |
21 | Regions BankBank | Strong | Sound | Strong | Strong | $1,432Fees | 0.384%Above | 406 | |
22 | Cadence BankBank | Strong | Sound | Strong | Strong | $1,304Fees | 0.258%Above | 175 | |
23 | First Federal Bank of Kansas CityBank | Strong | Sound | Strong | Strong | $1,423Fees | 0.422%Above | 150 | |
24 | Arvest BankBank | Strong | Acceptable | Strong | Exceptional | $1,475Fees | 0.328%Above | 1,046 | |
25 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,498Fees | 0.115%Below | 327 | |
26 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | $1,943Fees | 0.371%Above | 310 | |
27 | Southern BankBank | Strong | Sound | Sound | Strong | $568Fees | 0.363%Above | 297 | |
28 | The Bank of MissouriBank | Strong | Sound | Sound | Strong | $935Fees | 0.183%Above | 263 | |
29 | Paramount BankBank | Strong | Sound | Sound | Strong | $1,557Fees | 0.278%Above | 231 | |
30 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $1,745Fees | 0.446%Above | 646 | |
31 | Gateway First BankBank | Strong | Acceptable | Strong | Strong | $1,581Fees | 0.553%Above | 241 | |
32 | Plains Commerce BankBank | Strong | Acceptable | Strong | Strong | $1,893Fees | 0.449%Above | 189 | |
33 | Flanagan State BankBank | Sound | Acceptable | Sound | Strong | $2,671Fees | 0.750%Above | 274 | |
34 | Ozarks Federal Savings and Loan AssociationBank | Sound | Acceptable | Sound | Strong | $545Fees | 0.212%Above | 172 | |
35 | Southwest Missouri BankBank | Sound | Mediocre | Strong | Strong | $704Fees | 0.711%Above | 166 |
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.