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 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,089 | +0.205% | 688 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $377 | +0.229% | 1,337 | |
3 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $587 | +0.174% | 576 | |
4 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Strong | $1,098 | +0.203% | 109 | |
5 | The State Bank and Trust Company | Exceptional | Strong | Sound | Strong | Exceptional | $1,361 | +0.023% | 256 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $972 | +0.189% | 206 | |
7 | The Union Bank Company | Exceptional | Exceptional | Sound | Sound | Strong | $1,014 | +0.164% | 154 | |
8 | First Commonwealth Bank | Exceptional | Strong | Strong | Strong | Strong | $867 | +0.020% | 93 | |
9 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $103 | +0.134% | 310 | |
10 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,440 | +0.518% | 141 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,128 | +0.087% | 823 | |
12 | First Financial Bank | Strong | Sound | Strong | Sound | Exceptional | $1,506 | +0.367% | 453 | |
13 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Sound | $2,628 | +0.046% | 71 |
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.
Get personalized recommendations based on your specific needs