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