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 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $863 | -0.418% | 342 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,042 | +0.408% | 531 | |
3 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Strong | $976 | +0.254% | 254 | |
4 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$463 | +0.260% | 210 | |
5 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $966 | +0.234% | 190 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $582 | +0.150% | 121 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,012 | -0.044% | 102 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,887 | +0.209% | 765 | |
9 | Union Savings Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,004 | +0.183% | 494 | |
10 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $696 | +0.264% | 409 | |
11 | The State Bank and Trust Company | Exceptional | Strong | Strong | Strong | Strong | $1,022 | +0.146% | 162 | |
12 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,059 | +0.124% | 90 | |
13 | Jackson County Bank | Exceptional | Strong | Strong | Strong | Strong | $1,174 | +0.154% | 80 | |
14 | First Financial Bank | Strong | Sound | Exceptional | Strong | Strong | $1,565 | +0.467% | 103 | |
15 | Centier Bank | Strong | Sound | Strong | Strong | Strong | $569 | +0.554% | 105 | |
16 | Merchants Bank of Indiana | Strong | Sound | Strong | Sound | Strong | $1,383 | +0.156% | 192 | |
17 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,401 | +0.415% | 165 | |
18 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,637 | +0.547% | 159 | |
19 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,721 | +0.507% | 88 | |
20 | STAR Financial Bank | Strong | Sound | Sound | Sound | Strong | $1,050 | +0.063% | 89 | |
21 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,762 | -0.163% | 89 | |
22 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,907 | +0.772% | 78 | |
23 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Strong | $3,906 | +0.672% | 238 |
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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