Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $972Fees | 0.189%Above | 206 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,344Fees | 0.372%Below | 95 | |
3 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $587Fees | 0.174%Above | 576 | |
4 | The State Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,361Fees | 0.023%Above | 256 | |
5 | Heartland BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,039Fees | 0.243%Above | 176 | |
6 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Exceptional | Strong | Strong | $775Fees | 0.149%Above | 111 | |
7 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,128Fees | 0.087%Above | 823 | |
8 | First Financial BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,506Fees | 0.367%Above | 453 | |
9 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $103Fees | 0.134%Above | 310 | |
10 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $377Fees | 0.229%Above | 1,337 | |
11 | Union Savings BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,089Fees | 0.205%Above | 688 | |
12 | Civista BankBank | Strong | Sound | Strong | Strong | Strong | $931Fees | 0.090%Above | 116 | |
13 | First Federal Savings and Loan Association of LakewoodBank | Strong | Sound | Strong | Strong | Strong | $745Fees | 0.179%Above | 68 | |
14 | The Park National BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,290Fees | 0.501%Above | 517 | |
15 | First Merchants BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,433Fees | 0.093%Above | 102 |
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.