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