Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $741Fees | 0.517%Below | 97 | |
2 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $641Fees | 0.342%Above | 683 | |
3 | Third Federal Savings and Loan Association of ClevelandBank | Exceptional | Strong | Strong | Sound | Exceptional | $913Fees | 0.117%Above | 1,076 | |
4 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,020Fees | 0.178%Above | 597 | |
5 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,246Fees | 0.186%Above | 313 | |
6 | First Federal Savings and Loan Association of LakewoodBank | Strong | Sound | Strong | Strong | Exceptional | $953Fees | 0.255%Above | 588 | |
7 | First National Bank of PennsylvaniaBank | Strong | Sound | Exceptional | Strong | Strong | $1,094Fees | 0.122%Above | 314 | |
8 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $524Credit | 0.193%Above | 286 | |
9 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $564Fees | 0.433%Above | 1,731 | |
10 | Dollar Bank, Federal Savings BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $850Fees | 0.287%Above | 256 | |
11 | Civista BankBank | Strong | Sound | Strong | Strong | Strong | $996Fees | 0.132%Above | 78 |
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.