Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FCB BanksBank | Exceptional | Exceptional | Strong | Exceptional | $714Fees | 0.085%Below | 642 | |
2 | Midwest BankCentreBank | Exceptional | Exceptional | Strong | Exceptional | $669Fees | 0.009%Above | 388 | |
3 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $217Fees | 0.146%Above | 139 | |
4 | United Community BankBank | Exceptional | Exceptional | Strong | Strong | $155Fees | 0.176%Above | 137 | |
5 | United Bank of UnionBank | Exceptional | Exceptional | Strong | Strong | $910Fees | 0.366%Below | 107 | |
6 | Stifel Bank and TrustBank | Exceptional | Strong | Strong | Exceptional | $267Fees | 0.063%Below | 1,013 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $552Fees | 0.186%Above | 783 | |
8 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | $1,306Fees | 0.165%Above | 646 | |
9 | Carrollton BankBank | Exceptional | Strong | Strong | Exceptional | $828Fees | 0.169%Above | 589 | |
10 | Busey BankBank | Exceptional | Strong | Exceptional | Strong | $861Fees | 0.350%Above | 139 | |
11 | Bank of SpringfieldBank | Exceptional | Strong | Exceptional | Strong | $788Fees | 0.296%Above | 131 | |
12 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $191Fees | 0.203%Below | 99 | |
13 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,282Fees | 0.037%Below | 331 | |
14 | First BankBank | Strong | Strong | Strong | Strong | $1,098Fees | 0.237%Above | 255 | |
15 | Truist BankBank | Strong | Strong | Strong | Strong | $362Fees | 0.261%Above | 226 | |
16 | First Mid Bank & Trust, National AssociationBank | Strong | Strong | Strong | Strong | $826Fees | 0.145%Above | 124 | |
17 | Sullivan BankBank | Strong | Strong | Strong | Strong | $588Fees | 0.134%Above | 104 | |
18 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $630Fees | 0.206%Above | 93 | |
19 | Great Southern BankBank | Strong | Strong | Strong | Strong | $874Fees | 0.196%Above | 79 | |
20 | The Central Trust BankBank | Strong | Sound | Strong | Exceptional | $889Fees | 0.305%Above | 632 | |
21 | Regions BankBank | Strong | Sound | Strong | Exceptional | $1,290Fees | 0.421%Above | 443 | |
22 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,987Fees | 0.135%Above | 159 | |
23 | First National Bank of WaterlooBank | Strong | Strong | Sound | Strong | $505Fees | 0.160%Below | 98 | |
24 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,566Fees | 0.187%Above | 432 | |
25 | Paramount BankBank | Strong | Sound | Sound | Exceptional | $1,558Fees | 0.303%Above | 243 | |
26 | First State Community BankBank | Strong | Strong | Acceptable | Strong | $1,225Fees | 0.084%Above | 143 | |
27 | First Horizon BankBank | Strong | Sound | Strong | Strong | $818Fees | 0.248%Above | 119 | |
28 | CNB Bank And Trust, N.A.Bank | Strong | Strong | Acceptable | Strong | $999Fees | 0.123%Above | 78 | |
29 | Commerce BankBank | Strong | Sound | Sound | Strong | $220Fees | 0.270%Above | 230 | |
30 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,601Fees | 0.169%Below | 151 | |
31 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | $1,496Fees | 0.454%Above | 118 | |
32 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $1,389Fees | 0.358%Above | 155 | |
33 | Midland States BankBank | Sound | Acceptable | Sound | Strong | $1,922Fees | 0.530%Above | 84 |
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.