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