Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,666Fees | 0.209%Above | 144 | |
2 | MidFirst BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $875Fees | 0.003%Below | 186 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,138Fees | 0.260%Above | 54 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,551Fees | 0.172%Above | 769 | |
5 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,656Fees | 0.249%Above | 241 | |
6 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,121Fees | 0.342%Above | 183 | |
7 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,782Fees | 0.288%Above | 321 | |
8 | BancFirstBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,320Fees | 0.255%Above | 387 | |
9 | Prosperity BankBank | Strong | Acceptable | Exceptional | Sound | Sound | $976Fees | 0.000%Above | 43 |
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.