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