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