Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | United Community BankBank | Exceptional | Exceptional | Strong | Exceptional | $106Fees | 0.076%Above | 196 | |
2 | INB, National AssociationBank | Exceptional | Strong | Exceptional | Exceptional | $637Fees | 0.292%Above | 410 | |
3 | Bank of SpringfieldBank | Exceptional | Strong | Exceptional | Exceptional | $443Fees | 0.042%Above | 267 | |
4 | Prairie State Bank and TrustBank | Exceptional | Exceptional | Sound | Strong | $549Fees | 0.042%Above | 37 | |
5 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $373Credit | 0.493%Above | 75 | |
6 | Carrollton BankBank | Strong | Strong | Strong | Strong | $756Fees | 0.080%Above | 56 | |
7 | Heartland Bank and Trust CompanyBank | Strong | Strong | Sound | Strong | $390Fees | 0.488%Above | 66 | |
8 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Sound | $679Fees | 0.516%Above | 26 | |
9 | Morton Community BankBank | Strong | Sound | Strong | Strong | $683Fees | 0.526%Above | 53 | |
10 | Petefish, Skiles & Co.Bank | Strong | Strong | Sound | Sound | $488Fees | 0.093%Above | 28 | |
11 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | $1,177Fees | 0.291%Above | 39 |
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.