Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Johnson BankBank | Exceptional | Exceptional | Exceptional | Exceptional | $509Fees | 0.035%Above | 1,674 | |
2 | Bank First, N.A.Bank | Exceptional | Exceptional | Exceptional | Exceptional | $242Fees | 0.002%Above | 655 | |
3 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Exceptional | $534Fees | 0.047%Below | 2,002 | |
4 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | $1,095Fees | 0.029%Below | 330 | |
5 | National Exchange Bank and TrustBank | Exceptional | Strong | Exceptional | Exceptional | $111Fees | 0.032%Above | 281 | |
6 | Lake Ridge BankBank | Exceptional | Exceptional | Strong | Strong | $475Fees | 0.039%Above | 240 | |
7 | The Equitable Bank, S.S.B.Bank | Exceptional | Exceptional | Strong | Strong | $662Fees | 0.014%Above | 221 | |
8 | Horicon BankBank | Exceptional | Exceptional | Strong | Strong | $209Fees | 0.006%Below | 196 | |
9 | The Park BankBank | Exceptional | Exceptional | Strong | Strong | $361Fees | 0.072%Below | 170 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $486Fees | 0.170%Above | 1,404 | |
11 | Bank Five NineBank | Exceptional | Strong | Strong | Exceptional | $1,040Fees | 0.200%Above | 1,027 | |
12 | Waukesha State BankBank | Exceptional | Strong | Strong | Exceptional | $337Fees | 0.151%Above | 374 | |
13 | The Bank of New GlarusBank | Exceptional | Strong | Strong | Exceptional | $567Fees | 0.306%Above | 319 | |
14 | Great Midwest Bank, S.S.B.Bank | Exceptional | Strong | Strong | Exceptional | $556Fees | 0.193%Above | 317 | |
15 | First Federal BankBank | Exceptional | Exceptional | Sound | Strong | $815Fees | 0.098%Above | 225 | |
16 | Peoples State BankBank | Exceptional | Exceptional | Sound | Strong | $459Fees | 0.023%Below | 169 | |
17 | The Huntington National BankBank | Strong | Strong | Strong | Strong | $1,197Fees | 0.373%Above | 378 | |
18 | Nicolet National BankBank | Strong | Sound | Strong | Exceptional | $982Fees | 0.291%Above | 931 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,004Fees | 0.228%Above | 903 | |
20 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,948Fees | 0.153%Above | 521 | |
21 | Forward BankBank | Strong | Strong | Sound | Strong | $770Fees | 0.177%Above | 203 | |
22 | Royal BankBank | Strong | Strong | Sound | Strong | $1,244Fees | 0.118%Above | 154 | |
23 | North Shore BankBank | Strong | Strong | Sound | Strong | $719Fees | 0.255%Above | 151 | |
24 | Bell BankBank | Strong | Acceptable | Exceptional | Exceptional | $2,730Fees | 0.308%Above | 767 | |
25 | NexBankBank | Strong | Sound | Strong | Strong | $1,761Fees | 0.329%Above | 191 | |
26 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Strong | Exceptional | $1,733Fees | 0.196%Above | 1,160 | |
27 | BMO Bank National AssociationBank | Strong | Sound | Sound | Strong | $412Fees | 0.300%Above | 378 | |
28 | Home State Bank, National AssociationBank | Strong | Sound | Sound | Strong | $1,693Fees | 0.351%Above | 216 | |
29 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,674Fees | 0.194%Below | 200 | |
30 | Bankers' BankBank | Strong | Sound | Sound | Strong | $1,445Fees | 0.174%Above | 163 | |
31 | CIBM BankBank | Strong | Sound | Sound | Strong | $976Fees | 0.358%Above | 153 | |
32 | Tri City National BankBank | Strong | Sound | Sound | Strong | $1,155Fees | 0.214%Above | 140 | |
33 | The First National Bank and Trust CompanyBank | Strong | Sound | Sound | Strong | $1,165Fees | 0.376%Above | 136 | |
34 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $1,633Fees | 0.404%Above | 383 | |
35 | Bank of EnglandBank | Strong | Acceptable | Strong | Strong | $2,064Fees | 0.468%Above | 352 | |
36 | Ixonia BankBank | Sound | Mediocre | Strong | Exceptional | $2,614Fees | 0.578%Above | 699 |
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.