Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Yakima Federal Savings and Loan AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $3,683Fees | 0.347%Below | 98 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,249Fees | 0.307%Above | 29 | |
3 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,894Fees | 0.199%Above | 16 | |
4 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $3,158Fees | 0.198%Above | 28 | |
5 | Glacier BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $3,842Fees | 0.263%Above | 45 | |
6 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $4,388Fees | 0.388%Above | 17 | |
7 | Banner BankBank | Strong | Acceptable | Strong | Sound | Strong | $3,010Fees | 0.421%Above | 32 | |
8 | 1st Security Bank of WashingtonBank | Strong | Acceptable | Strong | Strong | Sound | $5,019Fees | 0.416%Above | 25 | |
9 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | Sound | $3,527Fees | 0.310%Above | 17 | |
10 | CORNERSTONE CAPITAL BANK, SSBBank | Sound | Mediocre | Exceptional | Strong | Sound | $6,427Fees | 0.692%Above | 14 |
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.