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