Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,765Fees | 0.439%Above | 470 | |
2 | Great Plains National BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,003Fees | 0.454%Above | 582 | |
3 | Arvest BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,782Fees | 0.288%Above | 321 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $689Fees | 0.293%Below | 38 | |
5 | F&M BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,597Fees | 0.158%Above | 195 | |
6 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,768Fees | 0.512%Above | 1,087 | |
7 | Stride Bank, National AssociationBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,198Fees | 0.306%Above | 671 | |
8 | Gateway First BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,603Fees | 0.352%Above | 505 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,656Fees | 0.249%Above | 241 | |
10 | Sovereign BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,815Fees | 0.358%Above | 228 | |
11 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,280Fees | 0.125%Below | 120 | |
12 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,138Fees | 0.260%Above | 54 | |
13 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $1,121Fees | 0.342%Above | 183 | |
14 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,882Fees | 0.384%Above | 56 | |
15 | BancFirstBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,320Fees | 0.255%Above | 387 | |
16 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,567Fees | 0.534%Above | 300 |
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.