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 | Marquette Savings Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $432 | +0.056% | 318 | |
2 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $864 | +0.272% | 56 | |
3 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $220 | +0.296% | 35 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,502 | +0.424% | 15 | |
5 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,098 | +0.116% | 12 | |
6 | Northwest Bank | Strong | Strong | Strong | Sound | Strong | $674 | +0.342% | 42 | |
7 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $854 | +0.209% | 19 | |
8 | CNB Bank | Strong | Strong | Strong | Sound | Sound | $550 | -0.454% | 25 | |
9 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,759 | +0.414% | 45 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Acceptable | $1,254 | -0.155% | 10 | |
11 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,867 | -0.119% | 17 | |
12 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $2,427 | +0.745% | 36 |
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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