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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Traditions Bank | Exceptional | Strong | Exceptional | Strong | $1,352 | +0.205% | 52 | |
2 | Truist Bank | Strong | Strong | Strong | Strong | -$928 | +0.170% | 58 | |
3 | Fulton Bank, National Association | Strong | Sound | Strong | Exceptional | $2,478 | +0.192% | 285 | |
4 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,950 | +0.019% | 53 | |
5 | MERIDIAN BANK | Strong | Sound | Exceptional | Strong | $3,406 | +0.077% | 47 | |
6 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $910 | +0.020% | 34 | |
7 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $379 | +0.204% | 33 | |
8 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $2,020 | +0.103% | 27 | |
9 | The Huntington National Bank | Strong | Strong | Strong | Sound | $2,022 | +0.246% | 24 | |
10 | Northwest Bank | Strong | Strong | Strong | Sound | $1,963 | +0.119% | 23 | |
11 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $939 | +0.143% | 53 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,300 | +0.028% | 43 | |
13 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | $1,967 | +0.606% | 41 | |
14 | Farmers and Merchants Trust Company of Chambersburg | Strong | Strong | Sound | Sound | $998 | +0.140% | 21 | |
15 | The Ephrata National Bank | Strong | Acceptable | Strong | Exceptional | $2,946 | +0.173% | 157 | |
16 | Orrstown Bank | Strong | Sound | Sound | Strong | $1,726 | +0.273% | 52 |
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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