Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $290Fees | 0.026%Below | 556 | |
2 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,734Fees | 0.097%Below | 451 | |
3 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,561Fees | 0.154%Above | 1,275 | |
4 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,237Fees | 0.058%Above | 555 | |
5 | NexBankBank | Strong | Sound | Strong | Strong | $1,827Fees | 0.406%Above | 148 | |
6 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | $3,401Fees | 0.364%Above | 681 | |
7 | BMO Bank National AssociationBank | Strong | Sound | Sound | Strong | $1,396Fees | 0.133%Above | 239 | |
8 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $2,275Fees | 0.066%Below | 152 | |
9 | Plains Commerce BankBank | Strong | Acceptable | Strong | Strong | $3,232Fees | 0.211%Above | 763 | |
10 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,804Fees | 0.245%Above | 469 | |
11 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | $2,713Fees | 0.235%Above | 191 |
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.