Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Stifel Bank and TrustBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $267Fees | 0.063%Below | 1,013 | |
2 | Midwest BankCentreBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $669Fees | 0.009%Above | 388 | |
3 | FCB BanksBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $714Fees | 0.085%Below | 642 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $191Fees | 0.203%Below | 99 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $552Fees | 0.186%Above | 783 | |
6 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,306Fees | 0.165%Above | 646 | |
7 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $818Fees | 0.248%Above | 119 | |
8 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $828Fees | 0.169%Above | 589 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,566Fees | 0.187%Above | 432 | |
10 | First BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,098Fees | 0.237%Above | 255 | |
11 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,601Fees | 0.169%Below | 151 | |
12 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,496Fees | 0.454%Above | 118 | |
13 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Exceptional | $889Fees | 0.305%Above | 632 | |
14 | Paramount BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,558Fees | 0.303%Above | 243 | |
15 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,389Fees | 0.358%Above | 155 | |
16 | Regions BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,290Fees | 0.421%Above | 443 |
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.