Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Stifel Bank and Trust | Exceptional | Exceptional | Strong | Strong | Exceptional | $267 | -0.063% | 1,013 | |
2 | Midwest BankCentre | Exceptional | Exceptional | Strong | Strong | Exceptional | $669 | +0.009% | 388 | |
3 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,306 | +0.165% | 646 | |
4 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $217 | +0.146% | 139 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $552 | +0.186% | 783 | |
6 | FCB Banks | Exceptional | Exceptional | Sound | Sound | Exceptional | $714 | -0.085% | 642 | |
7 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Exceptional | $828 | +0.169% | 589 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $191 | -0.203% | 99 | |
9 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889 | +0.305% | 632 | |
10 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,098 | +0.237% | 255 | |
11 | Paramount Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,558 | +0.303% | 243 | |
12 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,290 | +0.421% | 443 | |
13 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,389 | +0.358% | 155 | |
14 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $630 | +0.206% | 93 | |
15 | Busey Bank | Strong | Strong | Sound | Sound | Strong | $861 | +0.350% | 139 | |
16 | United Community Bank | Strong | Strong | Sound | Sound | Strong | $155 | +0.176% | 137 | |
17 | Bank of Springfield | Strong | Strong | Sound | Sound | Strong | $788 | +0.296% | 131 | |
18 | Midland States Bank | Strong | Sound | Strong | Strong | Strong | $1,922 | +0.530% | 84 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,566 | +0.187% | 432 | |
20 | Commerce Bank | Strong | Sound | Strong | Sound | Strong | $220 | +0.270% | 230 | |
21 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,987 | +0.135% | 159 | |
22 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,496 | +0.454% | 118 | |
23 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,282 | -0.037% | 331 | |
24 | First State Community Bank | Strong | Sound | Sound | Acceptable | Strong | $1,225 | +0.084% | 143 |
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.
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