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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $377 | +0.229% | 1,337 | |
2 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $587 | +0.174% | 576 | |
3 | The State Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | $1,361 | +0.023% | 256 | |
4 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $103 | +0.134% | 310 | |
5 | Third Federal Savings and Loan Association of Cleveland | Strong | Strong | Strong | Strong | $893 | -0.035% | 217 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $972 | +0.189% | 206 | |
7 | Heartland Bank | Strong | Strong | Sound | Exceptional | $1,039 | +0.243% | 176 | |
8 | Civista Bank | Strong | Strong | Strong | Strong | $931 | +0.090% | 116 | |
9 | KeyBank National Association | Strong | Strong | Strong | Strong | $1,098 | +0.203% | 109 | |
10 | First Merchants Bank | Strong | Strong | Strong | Strong | $1,433 | +0.093% | 102 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,344 | -0.372% | 95 | |
12 | First Commonwealth Bank | Strong | Strong | Strong | Strong | $867 | +0.020% | 93 | |
13 | First Federal Savings and Loan Association of Lakewood | Strong | Strong | Strong | Strong | $745 | +0.179% | 68 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,128 | +0.087% | 823 | |
15 | Union Savings Bank | Strong | Sound | Strong | Exceptional | $1,089 | +0.205% | 688 | |
16 | First Financial Bank | Strong | Sound | Strong | Exceptional | $1,506 | +0.367% | 453 | |
17 | The Union Bank Company | Strong | Strong | Sound | Strong | $1,014 | +0.164% | 154 | |
18 | THE VINTON COUNTY NATIONAL BANK | Strong | Sound | Strong | Strong | $552 | +0.124% | 145 | |
19 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $775 | +0.149% | 111 | |
20 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,628 | +0.046% | 71 | |
21 | The Park National Bank | Strong | Acceptable | Strong | Exceptional | $1,290 | +0.501% | 517 | |
22 | First Federal Savings and Loan Association | Strong | Sound | Sound | Strong | $1,196 | +0.048% | 93 | |
23 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,440 | +0.518% | 141 | |
24 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,860 | -0.143% | 62 |
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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