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