Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $748Fees | 0.239%Below | 122 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,303Fees | 0.041%Above | 615 | |
3 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,097Fees | 0.140%Above | 637 | |
4 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,976Fees | 0.121%Below | 133 | |
5 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,502Fees | 0.210%Above | 219 | |
6 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,954Fees | 0.374%Above | 140 | |
7 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,089Fees | 0.047%Above | 424 | |
8 | Zions Bancorporation, N.A.Bank | Strong | Strong | Acceptable | Acceptable | Exceptional | $1,525Fees | 0.098%Below | 375 | |
9 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Strong | $5,382Fees | 0.715%Above | 95 |
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.