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 | Marquette Savings Bank | Exceptional | Exceptional | Exceptional | Exceptional | $450 | +0.061% | 454 | |
2 | ESSA Bank & Trust | Exceptional | Exceptional | Strong | Exceptional | -$175 | +0.247% | 332 | |
3 | Traditions Bank | Exceptional | Strong | Exceptional | Exceptional | $1,801 | +0.196% | 768 | |
4 | S&T Bank | Exceptional | Exceptional | Sound | Exceptional | -$83 | +0.198% | 537 | |
5 | PNC Bank, National Association | Exceptional | Strong | Strong | Exceptional | -$397 | +0.091% | 1,516 | |
6 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,215 | +0.109% | 1,338 | |
7 | First Commonwealth Bank | Exceptional | Strong | Strong | Exceptional | $957 | +0.331% | 789 | |
8 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Exceptional | $33 | -0.100% | 664 | |
9 | The Fidelity Deposit and Discount Bank | Exceptional | Strong | Strong | Exceptional | $1,570 | +0.247% | 365 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,967 | +0.099% | 1,350 | |
11 | The Huntington National Bank | Strong | Strong | Strong | Strong | $780 | +0.471% | 730 | |
12 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,608 | -0.050% | 627 | |
13 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $614 | +0.247% | 560 | |
14 | MERIDIAN BANK | Strong | Sound | Exceptional | Exceptional | $2,346 | +0.100% | 545 | |
15 | Truist Bank | Strong | Strong | Strong | Strong | $789 | +0.183% | 533 | |
16 | Northwest Bank | Strong | Strong | Strong | Strong | $1,037 | +0.314% | 358 | |
17 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $738 | +0.065% | 343 | |
18 | SOMERSET TRUST COMPANY | Strong | Strong | Strong | Strong | $600 | -0.057% | 280 | |
19 | First National Bank of Pennsylvania | Strong | Sound | Strong | Exceptional | $991 | +0.211% | 1,782 | |
20 | Fulton Bank, National Association | Strong | Sound | Strong | Exceptional | $2,041 | +0.309% | 1,232 | |
21 | Univest Bank and Trust Co. | Strong | Sound | Strong | Exceptional | $1,833 | +0.173% | 898 | |
22 | Dollar Bank, Federal Savings Bank | Strong | Sound | Strong | Exceptional | $925 | +0.215% | 716 | |
23 | First Citizens Community Bank | Strong | Sound | Strong | Exceptional | $2,186 | +0.192% | 446 | |
24 | First Columbia Bank & Trust Co. | Strong | Strong | Sound | Strong | $778 | -0.247% | 309 | |
25 | Mid Penn Bank | Strong | Strong | Sound | Strong | $1,162 | +0.152% | 289 | |
26 | CNB Bank | Strong | Strong | Sound | Strong | $565 | +0.039% | 280 | |
27 | Farmers and Merchants Trust Company of Chambersburg | Strong | Strong | Sound | Strong | $1,149 | +0.136% | 259 | |
28 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,134 | +0.163% | 1,223 | |
29 | Union Savings Bank | Strong | Sound | Strong | Strong | $1,151 | +0.095% | 387 | |
30 | Firstrust Savings Bank | Strong | Sound | Strong | Strong | $1,675 | +0.339% | 310 | |
31 | Community Bank, National Association | Strong | Sound | Strong | Strong | $238 | +0.812% | 279 | |
32 | TD Bank, National Association | Strong | Sound | Sound | Strong | $545 | +0.119% | 504 | |
33 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,702 | -0.075% | 404 | |
34 | The Ephrata National Bank | Strong | Acceptable | Strong | Exceptional | $2,834 | +0.256% | 372 | |
35 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,514 | +0.430% | 756 | |
36 | Ixonia Bank | Sound | Mediocre | Strong | Exceptional | $3,200 | +0.575% | 988 | |
37 | Jersey Shore State Bank | Sound | Mediocre | Sound | Exceptional | $2,162 | +0.617% | 383 |
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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