Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | City National Bank of West Virginia | Exceptional | Strong | Exceptional | Strong | Exceptional | $51 | -0.069% | 132 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $524 | +0.377% | 48 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,111 | +0.438% | 34 | |
4 | WesBanco Bank, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,624 | +0.067% | 67 | |
5 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,941 | +0.385% | 32 | |
6 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,687 | +0.463% | 26 | |
7 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,821 | +0.631% | 153 | |
8 | United Bank | Strong | Sound | Strong | Strong | Sound | $1,271 | +0.208% | 19 | |
9 | Burke & Herbert Bank & Trust Company | Strong | Strong | Sound | Sound | Sound | $1,185 | +0.019% | 11 |
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.
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