Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Think Mutual BankBank | Exceptional | Strong | Strong | Exceptional | $1,869Fees | 0.128%Below | 229 | |
2 | Merchants Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $2,363Fees | 0.115%Below | 87 | |
3 | First Federal BankBank | Exceptional | Exceptional | Sound | Strong | $2,452Fees | 0.208%Below | 78 | |
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | $1,117Fees | 0.163%Below | 22 | |
5 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $1,207Fees | 0.013%Above | 90 | |
6 | Alerus Financial, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,602Fees | 0.031%Below | 156 | |
7 | Bell BankBank | Strong | Acceptable | Exceptional | Exceptional | $3,813Fees | 0.111%Above | 166 | |
8 | Bremer Bank, National AssociationBank | Strong | Sound | Strong | Strong | $3,198Fees | 0.187%Above | 77 | |
9 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Sound | $2,760Fees | 0.123%Above | 36 | |
10 | Plains Commerce BankBank | Sound | Acceptable | Strong | Sound | $3,137Fees | 0.225%Above | 24 | |
11 | Barrington Bank & Trust Company, National AssociationBank | Sound | Acceptable | Strong | Sound | $2,735Fees | 0.563%Above | 24 |
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.