Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,700Fees | 0.055%Above | 167 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,368Fees | 0.098%Below | 131 | |
3 | Frost BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $620Credit | 0.515%Below | 163 | |
4 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,150Fees | 0.071%Above | 816 | |
5 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Strong | $4,126Fees | 0.080%Above | 447 | |
6 | First United Bank and Trust CompanyBank | Strong | Acceptable | Exceptional | Sound | Strong | $2,782Fees | 0.241%Above | 169 | |
7 | Jefferson BankBank | Strong | Mediocre | Strong | Strong | Exceptional | $2,781Fees | 0.165%Above | 244 | |
8 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $3,917Fees | 0.144%Above | 78 |
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.