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 | S&T Bank | Exceptional | Exceptional | Sound | Exceptional | -$173 | +0.208% | 265 | |
2 | PNC Bank, National Association | Exceptional | Strong | Strong | Exceptional | -$920 | +0.073% | 775 | |
3 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,180 | +0.165% | 531 | |
4 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $312 | +0.499% | 430 | |
5 | First Commonwealth Bank | Exceptional | Strong | Strong | Exceptional | $986 | +0.282% | 422 | |
6 | First Federal Savings and Loan Association of Greene Co | Exceptional | Exceptional | Sound | Strong | $596 | -0.084% | 115 | |
7 | SOMERSET TRUST COMPANY | Strong | Strong | Strong | Strong | $655 | -0.019% | 140 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,585 | -0.112% | 113 | |
9 | KeyBank National Association | Strong | Strong | Strong | Strong | $1,821 | +0.167% | 97 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $591 | +0.067% | 87 | |
11 | Northwest Bank | Strong | Strong | Strong | Strong | $1,250 | +0.203% | 75 | |
12 | Citibank, National Association | Strong | Exceptional | Sound | Sound | $1,424 | -0.026% | 53 | |
13 | Dollar Bank, Federal Savings Bank | Strong | Sound | Strong | Exceptional | $908 | +0.208% | 685 | |
14 | First National Bank of Pennsylvania | Strong | Sound | Strong | Exceptional | $1,047 | +0.215% | 589 | |
15 | Union Savings Bank | Strong | Sound | Strong | Exceptional | $1,199 | +0.085% | 343 | |
16 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,380 | +0.080% | 161 | |
17 | Washington Financial Bank | Strong | Strong | Sound | Strong | $661 | +0.336% | 95 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,036 | +0.211% | 243 | |
19 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | $1,718 | +0.157% | 158 | |
20 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,662 | +0.177% | 93 | |
21 | Premier Bank | Strong | Sound | Strong | Strong | $1,369 | +0.365% | 59 | |
22 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,741 | +0.025% | 79 | |
23 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,054 | +0.511% | 140 | |
24 | Ixonia Bank | Sound | Mediocre | Strong | Strong | $3,169 | +0.835% | 87 | |
25 | NEXTIER BANK, NATIONAL ASSOCIATION | Sound | Acceptable | Acceptable | Strong | $942 | +0.723% | 49 |
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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