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 | $599 | +0.012% | 640 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $243 | +0.391% | 3,007 | |
3 | The Dart Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,638 | +0.214% | 1,842 | |
4 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,114 | +0.184% | 1,106 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $668 | +0.326% | 1,528 | |
6 | Mercantile Bank | Exceptional | Strong | Strong | Strong | Exceptional | $919 | +0.239% | 1,395 | |
7 | Independent Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,136 | +0.254% | 1,300 | |
8 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,268 | +0.012% | 684 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$210 | +0.193% | 526 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $128 | +0.124% | 373 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,775 | +0.318% | 2,049 | |
12 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $417 | +0.100% | 427 | |
13 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,402 | +0.155% | 274 | |
14 | First State Bank | Strong | Sound | Strong | Strong | Exceptional | $1,290 | +0.214% | 877 | |
15 | ChoiceOne Bank | Strong | Strong | Strong | Sound | Strong | $1,003 | +0.171% | 352 | |
16 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Strong | $2,485 | +0.280% | 332 | |
17 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,816 | +0.487% | 2,869 | |
18 | Horizon Bank | Strong | Sound | Strong | Strong | Strong | $1,645 | +0.369% | 275 | |
19 | Superior National Bank | Strong | Sound | Sound | Sound | Exceptional | $1,053 | +0.378% | 520 | |
20 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,942 | +0.483% | 261 | |
21 | Isabella Bank | Strong | Sound | Strong | Sound | Strong | $895 | -0.177% | 255 | |
22 | University Bank | Strong | Acceptable | Strong | Strong | Strong | $1,826 | +0.455% | 317 | |
23 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,635 | -0.155% | 292 |
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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