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