Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LCNB National BankBank | Exceptional | Exceptional | Strong | Exceptional | $786Fees | 0.088%Above | 526 | |
2 | The Huntington National BankBank | Exceptional | Strong | Strong | Exceptional | $299Fees | 0.429%Above | 8,206 | |
3 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $610Fees | 0.329%Above | 3,118 | |
4 | Third Federal Savings and Loan Association of ClevelandBank | Exceptional | Strong | Strong | Exceptional | $839Fees | 0.086%Above | 1,805 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,057Fees | 0.311%Above | 1,603 | |
6 | PNC Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $136Credit | 0.211%Above | 1,198 | |
7 | KeyBank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,252Fees | 0.185%Above | 997 | |
8 | First Federal Savings and Loan Association of LakewoodBank | Exceptional | Strong | Strong | Exceptional | $966Fees | 0.241%Above | 836 | |
9 | Civista BankBank | Exceptional | Strong | Strong | Exceptional | $917Fees | 0.163%Above | 671 | |
10 | The State Bank and Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | $1,292Fees | 0.061%Above | 563 | |
11 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Strong | $248Fees | 0.195%Above | 766 | |
12 | First Commonwealth BankBank | Strong | Strong | Strong | Strong | $1,007Fees | 0.192%Above | 414 | |
13 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,352Fees | 0.271%Below | 320 | |
14 | Union Savings BankBank | Strong | Sound | Strong | Exceptional | $984Fees | 0.172%Above | 3,119 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,018Fees | 0.228%Above | 2,884 | |
16 | Premier BankBank | Strong | Sound | Strong | Exceptional | $1,066Fees | 0.405%Above | 1,037 | |
17 | First Financial BankBank | Strong | Sound | Strong | Exceptional | $1,522Fees | 0.441%Above | 914 | |
18 | The Farmers National Bank of CanfieldBank | Strong | Sound | Strong | Exceptional | $1,227Fees | 0.389%Above | 473 | |
19 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,252Fees | 0.131%Above | 359 | |
20 | Peoples BankBank | Strong | Strong | Sound | Strong | $781Fees | 0.261%Above | 337 | |
21 | The Union Bank CompanyBank | Strong | Strong | Sound | Strong | $1,024Fees | 0.221%Above | 274 | |
22 | First National Bank of PennsylvaniaBank | Strong | Sound | Strong | Strong | $1,126Fees | 0.134%Above | 543 | |
23 | WesBanco Bank, Inc.Bank | Strong | Sound | Strong | Strong | $1,462Fees | 0.199%Above | 414 | |
24 | Guardian Savings BankBank | Strong | Sound | Strong | Strong | $1,124Fees | 0.172%Above | 405 | |
25 | Dollar Bank, Federal Savings BankBank | Strong | Sound | Strong | Strong | $903Fees | 0.287%Above | 313 | |
26 | The Park National BankBank | Strong | Acceptable | Strong | Exceptional | $1,325Fees | 0.430%Above | 1,229 | |
27 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,562Fees | 0.103%Below | 426 | |
28 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,341Fees | 0.583%Above | 642 | |
29 | MECHANICS BANKBank | Strong | Acceptable | Strong | Strong | $821Fees | 0.009%Below | 309 | |
30 | Ixonia BankBank | Sound | Mediocre | Strong | Strong | $3,422Fees | 0.871%Above | 890 |
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.