Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Gate City Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,665 | -0.288% | 1,016 | |
2 | Dakota Community Bank & Trust, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $2,863 | -0.355% | 211 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,186 | +0.034% | 166 | |
4 | First International Bank & Trust | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,338 | +0.035% | 470 | |
5 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,479 | -0.075% | 72 | |
6 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,414 | +0.218% | 47 | |
7 | Merchants Bank, National Association | Strong | Strong | Strong | Strong | Sound | $2,452 | -0.005% | 19 | |
8 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | Strong | $2,481 | -0.058% | 118 | |
9 | First Western Bank & Trust | Strong | Sound | Strong | Strong | Strong | $2,441 | -0.176% | 117 | |
10 | Dacotah Bank | Strong | Sound | Strong | Strong | Strong | $1,293 | -0.034% | 74 | |
11 | Alerus Financial, National Association | Strong | Sound | Strong | Strong | Strong | $710 | -0.049% | 64 | |
12 | Western State Bank | Strong | Strong | Sound | Sound | Strong | $1,432 | -0.258% | 61 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,354 | +0.285% | 23 | |
14 | First Federal Bank | Strong | Strong | Strong | Sound | Sound | $1,321 | -0.071% | 19 | |
15 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,611 | +0.065% | 250 | |
16 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,938 | +0.132% | 86 | |
17 | Starion Bank | Strong | Sound | Sound | Strong | Strong | $2,345 | -0.132% | 74 | |
18 | Choice Financial Group | Strong | Sound | Sound | Strong | Strong | $2,831 | -0.079% | 73 | |
19 | Frandsen Bank & Trust | Strong | Sound | Strong | Strong | Sound | $2,528 | +0.019% | 29 | |
20 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,150 | +0.432% | 28 | |
21 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,148 | -0.100% | 42 | |
22 | Bank of England | Sound | Acceptable | Strong | Sound | Sound | $2,376 | +0.873% | 51 |
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.
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