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