Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,089Fees | 0.205%Above | 688 | |
2 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $377Fees | 0.229%Above | 1,337 | |
3 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,128Fees | 0.087%Above | 823 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $972Fees | 0.189%Above | 206 | |
5 | The State Bank and Trust CompanyBank | Strong | Strong | Acceptable | Strong | Exceptional | $1,361Fees | 0.023%Above | 256 | |
6 | The Union Bank CompanyBank | Strong | Strong | Sound | Strong | Strong | $1,014Fees | 0.164%Above | 154 | |
7 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,440Fees | 0.518%Above | 141 | |
8 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,860Fees | 0.143%Below | 62 | |
9 | PNC Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $103Fees | 0.134%Above | 310 |
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.