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 | Strong | Exceptional | Strong | Exceptional | $136Credit | 0.111%Below | 1,709 | |
2 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $321Fees | 0.283%Below | 957 | |
3 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $646Fees | 0.071%Below | 540 | |
4 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,372Credit | 0.367%Below | 236 | |
5 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,397Fees | 0.145%Below | 1,126 | |
6 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $355Credit | 0.007%Above | 374 | |
7 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $625Fees | 0.281%Below | 331 | |
8 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $422Fees | 0.454%Below | 274 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,620Fees | 0.030%Below | 1,657 | |
10 | Yakima Federal Savings and Loan AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $3,652Fees | 0.311%Below | 172 | |
11 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Strong | Strong | Strong | Sound | Strong | $589Credit | 0.191%Below | 348 | |
12 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Strong | $28Credit | 0.073%Above | 206 | |
13 | Washington Trust BankBank | Strong | Strong | Sound | Sound | Strong | $1,144Fees | 0.180%Above | 237 | |
14 | 1st Security Bank of WashingtonBank | Strong | Acceptable | Strong | Strong | Exceptional | $4,249Fees | 0.190%Above | 935 | |
15 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,137Fees | 0.219%Above | 520 | |
16 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $4,653Fees | 0.244%Above | 507 | |
17 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,711Fees | 0.203%Above | 282 | |
18 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,975Fees | 0.403%Above | 1,016 | |
19 | Banner BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $3,212Fees | 0.187%Above | 622 | |
20 | HomeStreet BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $3,019Fees | 0.238%Above | 568 | |
21 | Glacier BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $4,275Fees | 0.230%Above | 360 | |
22 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Strong | $2,260Fees | 0.178%Below | 287 | |
23 | Peoples BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $3,127Fees | 0.178%Above | 265 | |
24 | The Federal Savings BankBank | Sound | Mediocre | Strong | Sound | Strong | $4,181Fees | 0.730%Above | 176 | |
25 | WASHINGTON FEDERAL BANKBank | Sound | Mediocre | Strong | Acceptable | Strong | $5,024Fees | 0.458%Above | 284 |
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.