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 | $564 | +0.433% | 1,731 | |
2 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Strong | $1,094 | +0.122% | 314 | |
3 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $748 | +0.255% | 117 | |
4 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $641 | +0.342% | 683 | |
5 | First Federal Savings and Loan Association of Lakewood | Exceptional | Exceptional | Sound | Sound | Exceptional | $953 | +0.255% | 588 | |
6 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Strong | $1,246 | +0.186% | 313 | |
7 | Dollar Bank, Federal Savings Bank | Exceptional | Strong | Strong | Sound | Exceptional | $850 | +0.287% | 256 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,024 | +0.402% | 233 | |
9 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$598 | +0.167% | 382 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$524 | +0.193% | 286 | |
11 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,157 | +0.599% | 124 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,020 | +0.178% | 597 | |
13 | Premier Bank | Strong | Strong | Sound | Sound | Strong | $1,348 | +0.505% | 138 | |
14 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,362 | +0.809% | 89 |
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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