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 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $118 | +0.261% | 625 | |
2 | University Bank | Exceptional | Strong | Strong | Exceptional | Strong | $1,898 | +0.610% | 101 | |
3 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,831 | +0.437% | 926 | |
4 | First Merchants Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,051 | +0.165% | 582 | |
5 | The Dart Bank | Exceptional | Strong | Strong | Strong | Strong | $1,639 | +0.203% | 291 | |
6 | First State Bank | Strong | Sound | Strong | Strong | Exceptional | $1,241 | +0.180% | 601 | |
7 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $815 | +0.046% | 188 | |
8 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$1,011 | +0.188% | 165 | |
9 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,666 | +0.475% | 129 | |
10 | Superior National Bank | Strong | Sound | Sound | Strong | Exceptional | $1,038 | +0.285% | 342 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,633 | +0.269% | 805 | |
12 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,247 | -0.053% | 326 |
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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