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 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$245 | +0.321% | 1,145 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,107 | +0.239% | 604 | |
3 | LCNB National Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $791 | +0.084% | 556 | |
4 | Third Federal Savings and Loan Association of Cleveland | Exceptional | Strong | Exceptional | Strong | Exceptional | $563 | -0.005% | 258 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $297 | +0.257% | 808 | |
6 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$354 | +0.268% | 208 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,922 | +0.285% | 93 | |
8 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,719 | -0.090% | 77 | |
9 | Union Savings Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,029 | +0.164% | 1,185 | |
10 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,625 | +0.169% | 448 | |
11 | First Financial Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,452 | +0.517% | 326 | |
12 | Civista Bank | Exceptional | Strong | Strong | Strong | Strong | $611 | +0.111% | 147 | |
13 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,148 | +0.127% | 79 | |
14 | Guardian Savings Bank | Strong | Sound | Strong | Strong | Exceptional | $1,159 | +0.160% | 765 | |
15 | RiverHills Bank | Strong | Strong | Sound | Sound | Exceptional | $1,400 | +0.270% | 248 | |
16 | Warsaw Federal Savings and Loan Association | Strong | Strong | Sound | Sound | Exceptional | $807 | +0.239% | 196 | |
17 | 1st National Bank | Strong | Strong | Sound | Sound | Exceptional | $1,203 | +0.280% | 186 | |
18 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,580 | +0.225% | 95 | |
19 | Republic Bank & Trust Company | Strong | Strong | Strong | Sound | Strong | $859 | +0.165% | 83 | |
20 | Heartland Bank | Strong | Strong | Sound | Sound | Strong | $1,050 | +0.243% | 115 | |
21 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,987 | +0.523% | 172 | |
22 | The Park National Bank | Strong | Acceptable | Exceptional | Strong | Strong | $970 | +0.469% | 110 | |
23 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,495 | -0.143% | 92 | |
24 | Bank of England | Strong | Acceptable | Strong | Sound | Strong | $3,431 | +0.677% | 113 |
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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