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 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,967 | +0.099% | 1,350 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,608 | -0.050% | 627 | |
3 | S&T Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | -$83 | +0.198% | 537 | |
4 | Marquette Savings Bank | Exceptional | Exceptional | — | Exceptional | Exceptional | $450 | +0.061% | 454 | |
5 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $738 | +0.065% | 343 | |
6 | ESSA Bank & Trust | Exceptional | Exceptional | Strong | Strong | Exceptional | -$175 | +0.247% | 332 | |
7 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,215 | +0.109% | 1,338 | |
8 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $614 | +0.247% | 560 | |
9 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $789 | +0.183% | 533 | |
10 | The Fidelity Deposit and Discount Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,570 | +0.247% | 365 | |
11 | First National Bank of Pennsylvania | Exceptional | Sound | Exceptional | Strong | Exceptional | $991 | +0.211% | 1,782 | |
12 | PNC Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | -$397 | +0.091% | 1,516 | |
13 | Fulton Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,041 | +0.309% | 1,232 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,134 | +0.163% | 1,223 | |
15 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $545 | +0.119% | 504 | |
16 | Farmers and Merchants Trust Company of Chambersburg | Strong | Strong | Strong | Sound | Strong | $1,149 | +0.136% | 259 | |
17 | Univest Bank and Trust Co. | Strong | Sound | Strong | Sound | Exceptional | $1,833 | +0.173% | 898 | |
18 | Dollar Bank, Federal Savings Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $925 | +0.215% | 716 | |
19 | Mid Penn Bank | Strong | Strong | — | Sound | Strong | $1,162 | +0.152% | 289 | |
20 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Strong | $780 | +0.471% | 730 | |
21 | MERIDIAN BANK | Strong | Sound | Sound | Acceptable | Exceptional | $2,346 | +0.100% | 545 | |
22 | The Ephrata National Bank | Strong | Acceptable | Strong | Sound | Exceptional | $2,834 | +0.256% | 372 | |
23 | Wilmington Savings Fund Society, FSB | Strong | Mediocre | Strong | Strong | Exceptional | $33 | -0.100% | 664 | |
24 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,514 | +0.430% | 756 |
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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