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 | Strong | $4,126Fees | 0.080%Above | 447 | |
2 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $583Fees | 0.350%Below | 84 | |
3 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,150Fees | 0.071%Above | 816 | |
4 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,948Fees | 0.151%Below | 161 | |
5 | Gateway First BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,951Fees | 0.397%Above | 285 | |
6 | First United Bank and Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $2,782Fees | 0.241%Above | 169 | |
7 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,529Fees | 0.221%Above | 125 | |
8 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,700Fees | 0.055%Above | 167 | |
9 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,223Fees | 0.270%Above | 82 | |
10 | Jefferson BankBank | Strong | Acceptable | Sound | Strong | Exceptional | $2,781Fees | 0.165%Above | 244 | |
11 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | 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.