Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $341Fees | 0.008%Below | 77 | |
2 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,437Fees | 0.216%Above | 126 | |
3 | Bank of America, National AssociationBank | Strong | Strong | Strong | Sound | $2,129Fees | 0.007%Below | 42 | |
4 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,556Fees | 0.185%Above | 306 | |
5 | Zions Bancorporation, N.A.Bank | Strong | Strong | Sound | Sound | $1,150Fees | 0.341%Above | 51 | |
6 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $2,139Fees | 0.064%Below | 68 | |
7 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $3,135Fees | 0.382%Above | 90 | |
8 | Plains Commerce BankBank | Strong | Acceptable | Strong | Strong | $3,839Fees | 0.278%Above | 67 | |
9 | BMO Bank National AssociationBank | Strong | Sound | Sound | Sound | $789Fees | 0.157%Above | 35 |
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.