Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $552Fees | 0.186%Above | 783 | |
2 | Stifel Bank and TrustBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $267Fees | 0.063%Below | 1,013 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,282Fees | 0.037%Below | 331 | |
4 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,987Fees | 0.135%Above | 159 | |
5 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $217Fees | 0.146%Above | 139 | |
6 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $828Fees | 0.169%Above | 589 | |
7 | First State Bank of St. Charles, MissouriBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,306Fees | 0.165%Above | 646 | |
8 | The Central Trust BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889Fees | 0.305%Above | 632 | |
9 | Regions BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,290Fees | 0.421%Above | 443 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,566Fees | 0.187%Above | 432 | |
11 | Commerce BankBank | Strong | Strong | Strong | Sound | Strong | $220Fees | 0.270%Above | 230 | |
12 | First BankBank | Sound | Mediocre | Strong | Strong | Strong | $1,098Fees | 0.237%Above | 255 |
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.