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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,107 | +0.239% | 604 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,148 | +0.127% | 79 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,719 | -0.090% | 77 | |
4 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $297 | +0.257% | 808 | |
5 | LCNB National Bank | Exceptional | Exceptional | — | Strong | Exceptional | $791 | +0.084% | 556 | |
6 | WesBanco Bank, Inc. | Exceptional | Strong | Exceptional | Strong | Strong | $1,580 | +0.225% | 95 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,922 | +0.285% | 93 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,625 | +0.169% | 448 | |
9 | First Financial Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,452 | +0.517% | 326 | |
10 | Warsaw Federal Savings and Loan Association | Exceptional | Strong | — | Strong | Exceptional | $807 | +0.239% | 196 | |
11 | Heartland Bank | Exceptional | Strong | Strong | Strong | Strong | $1,050 | +0.243% | 115 | |
12 | Guardian Savings Bank | Strong | Sound | Strong | Strong | Exceptional | $1,159 | +0.160% | 765 | |
13 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$354 | +0.268% | 208 | |
14 | Union Savings Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,029 | +0.164% | 1,185 | |
15 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | -$245 | +0.321% | 1,145 | |
16 | Civista Bank | Strong | Sound | Strong | Strong | Strong | $611 | +0.111% | 147 |
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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