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 | $821Fees | 0.039%Below | 248 | |
2 | Zions Bancorporation, N.A.Bank | Strong | Strong | Sound | Strong | $1,574Fees | 0.140%Below | 388 | |
3 | Bank of UtahBank | Strong | Sound | Strong | Exceptional | $3,675Fees | 0.160%Below | 385 | |
4 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,175Fees | 0.084%Above | 169 | |
5 | State Bank of Southern UtahBank | Strong | Strong | Sound | Strong | $406Fees | 0.231%Above | 140 | |
6 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,906Fees | 0.115%Above | 243 | |
7 | Northpointe BankBank | Strong | Sound | Strong | Strong | $3,434Fees | 0.124%Below | 111 | |
8 | Cache Valley BankBank | Strong | Sound | Sound | Strong | $2,283Fees | 0.072%Above | 161 | |
9 | Plains Commerce BankBank | Strong | Acceptable | Strong | Strong | $3,887Fees | 0.162%Above | 475 | |
10 | Glacier BankBank | Sound | Acceptable | Sound | Strong | $3,745Fees | 0.202%Below | 107 |
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.