Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Northwest BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,460Fees | 0.227%Above | 89 | |
2 | WEST GATE BANKBank | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,382Fees | 0.048%Above | 31 | |
3 | Central BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,953Fees | 0.043%Above | 210 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,802Fees | 0.165%Above | 66 | |
5 | First Dakota National BankBank | Exceptional | Exceptional | Strong | Strong | Sound | $350Fees | 0.014%Above | 14 | |
6 | Great Southern BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,430Fees | 0.003%Below | 50 | |
7 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,319Fees | 0.175%Above | 37 | |
8 | Citizens Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,836Fees | 0.062%Above | 23 | |
9 | CHARTER WEST BANKBank | Strong | Sound | Strong | Strong | Sound | $1,392Fees | 0.621%Above | 22 | |
10 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,742Fees | 0.244%Above | 30 | |
11 | United Bank of IowaBank | Sound | Acceptable | Sound | Acceptable | Sound | $1,264Fees | 0.229%Above | 17 |
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.