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 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Exceptional | $991 | +0.211% | 1,782 | |
2 | Univest Bank and Trust Co. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,833 | +0.173% | 898 | |
3 | Traditions Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,801 | +0.196% | 768 | |
4 | Wilmington Savings Fund Society, FSB | Exceptional | Exceptional | Strong | Sound | Exceptional | $33 | -0.100% | 664 | |
5 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,151 | +0.095% | 387 | |
6 | First Commonwealth Bank | Exceptional | Strong | Strong | Strong | Exceptional | $957 | +0.331% | 789 | |
7 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $780 | +0.471% | 730 | |
8 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $614 | +0.247% | 560 | |
9 | First Citizens Community Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,186 | +0.192% | 446 | |
10 | PNC Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | -$397 | +0.091% | 1,516 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,215 | +0.109% | 1,338 | |
12 | Fulton Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $2,041 | +0.309% | 1,232 | |
13 | Dollar Bank, Federal Savings Bank | Exceptional | Strong | Strong | Sound | Exceptional | $925 | +0.215% | 716 | |
14 | MERIDIAN BANK | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,346 | +0.100% | 545 | |
15 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $738 | +0.065% | 343 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,514 | +0.430% | 756 | |
17 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $789 | +0.183% | 533 | |
18 | TD Bank, National Association | Strong | Strong | Strong | Sound | Strong | $545 | +0.119% | 504 | |
19 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,967 | +0.099% | 1,350 | |
20 | Northwest Bank | Strong | Exceptional | Acceptable | Acceptable | Strong | $1,037 | +0.314% | 358 | |
21 | Firstrust Savings Bank | Strong | Sound | Strong | Strong | Strong | $1,675 | +0.339% | 310 | |
22 | Mid Penn Bank | Strong | Strong | Sound | Sound | Strong | $1,162 | +0.152% | 289 | |
23 | Farmers and Merchants Trust Company of Chambersburg | Strong | Strong | — | Sound | Strong | $1,149 | +0.136% | 259 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,134 | +0.163% | 1,223 | |
25 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,200 | +0.575% | 988 | |
26 | The Ephrata National Bank | Strong | Acceptable | — | Strong | Exceptional | $2,834 | +0.256% | 372 | |
27 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,608 | -0.050% | 627 |
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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