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 | Exceptional | Exceptional | Strong | Exceptional | $715Fees | 0.217%Above | 1,525 | |
2 | Stifel Bank and TrustBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $281Fees | 0.060%Below | 1,033 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,489Fees | 0.027%Below | 472 | |
4 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,162Fees | 0.138%Above | 338 | |
5 | UMB Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $735Fees | 0.082%Above | 208 | |
6 | The Central Trust BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,140Fees | 0.355%Above | 2,384 | |
7 | First State Bank of St. Charles, MissouriBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,437Fees | 0.124%Above | 1,157 | |
8 | Commerce BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $281Fees | 0.337%Above | 634 | |
9 | Great Southern BankBank | Exceptional | Strong | — | Strong | Exceptional | $924Fees | 0.094%Above | 461 | |
10 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Strong | $872Fees | 0.256%Above | 323 | |
11 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,720Fees | 0.186%Above | 661 | |
12 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,432Fees | 0.384%Above | 406 | |
13 | Oakstar BankBank | Strong | Strong | Sound | Strong | Strong | $899Fees | 0.205%Above | 401 | |
14 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,475Fees | 0.328%Above | 1,046 | |
15 | First Federal Bank of Kansas CityBank | Strong | Sound | Strong | Strong | Strong | $1,423Fees | 0.422%Above | 150 | |
16 | The Bank of MissouriBank | Strong | Sound | — | Sound | Strong | $935Fees | 0.183%Above | 263 | |
17 | First BankBank | Strong | Mediocre | Strong | Strong | Exceptional | $1,280Fees | 0.156%Above | 547 | |
18 | Cadence BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $1,304Fees | 0.258%Above | 175 | |
19 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $1,745Fees | 0.446%Above | 646 | |
20 | Ozarks Federal Savings and Loan AssociationBank | Sound | Acceptable | — | Sound | Strong | $545Fees | 0.212%Above | 172 |
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.