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 | City National Bank of West Virginia | Exceptional | Strong | Strong | Exceptional | -$27 | -0.138% | 635 | |
2 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $417 | +0.321% | 586 | |
3 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $1,487 | +0.238% | 366 | |
4 | First Federal Savings and Loan Association of Greene Co | Exceptional | Exceptional | Sound | Strong | $550 | +0.004% | 48 | |
5 | HANCOCK COUNTY SAVINGS BANK, FSB, INC. | Strong | Strong | Strong | Strong | $504 | +0.002% | 103 | |
6 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $1,087 | +0.192% | 102 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,321 | +0.363% | 91 | |
8 | Huntington Federal Savings Bank | Strong | Strong | Strong | Strong | $1,058 | -0.098% | 82 | |
9 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $1,027 | +0.561% | 77 | |
10 | NBKC BANK | Strong | Exceptional | Sound | Sound | $937 | -0.160% | 31 | |
11 | WesBanco Bank, Inc. | Strong | Sound | Strong | Exceptional | $1,769 | +0.053% | 565 | |
12 | Clear Mountain Bank | Strong | Sound | Strong | Exceptional | $980 | +0.141% | 175 | |
13 | Peoples Bank | Strong | Strong | Sound | Strong | $1,249 | +0.239% | 147 | |
14 | The Ohio Valley Bank Company | Strong | Strong | Sound | Strong | $606 | -0.978% | 86 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,247 | +0.247% | 77 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,059 | +0.421% | 199 | |
17 | United Bank | Strong | Sound | Strong | Strong | $1,601 | +0.179% | 164 | |
18 | Atlantic Union Bank | Strong | Sound | Strong | Strong | $1,856 | +0.590% | 148 | |
19 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,309 | +0.150% | 79 | |
20 | Burke & Herbert Bank & Trust Company | Strong | Strong | Acceptable | Strong | $1,237 | +0.291% | 77 | |
21 | Gateway First Bank | Strong | Acceptable | Strong | Exceptional | $1,970 | +0.637% | 270 | |
22 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,372 | -0.036% | 100 | |
23 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,392 | +0.373% | 75 | |
24 | First Community Bank | Sound | Mediocre | Acceptable | Strong | $1,940 | +1.073% | 43 |
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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