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