# Best Conventional Mortgage Lenders in the US

**As of:** 2026-06-04

Compare the top Conventional mortgage lenders in the US. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/local/national/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 2,386
- **Total Loans:** 3,560,099
- **Median Rate Spread:** 0.20338265534197586%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Product | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 79 | 75 | 92 | 69 | N/A | $283 | 0.033% | 37,416 | Bank | Direct | — |
| 2 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 78 | 92 | 90 | 53 | N/A | $749 | -0.493% | 31,887 | Credit Union | Direct | — |
| 3 | [FLAT BRANCH MORTGAGE, INC.](https://saferate.com/lenders/flat-branch-mortgage) | 78 | 59 | 91 | 84 | N/A | $1570 | 0.401% | 13,335 | Independent Mortgage Company | Direct | — |
| 4 | [The Huntington National Bank](https://saferate.com/lenders/the-huntington-national-bank) | 77 | 63 | 92 | 75 | N/A | $415 | 0.374% | 18,842 | Bank | Direct | — |
| 5 | [Truist Bank](https://saferate.com/lenders/truist-bank) | 77 | 71 | 90 | 69 | N/A | $802 | 0.078% | 13,874 | Bank | Direct | — |
| 6 | [Morgan Stanley Private Bank, National Association](https://saferate.com/lenders/morgan-stanley-private-bank-national-association) | 76 | 96 | 74 | 57 | N/A | $331 | -0.449% | 7,167 | Bank | Direct | — |
| 7 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 75 | 71 | 87 | 67 | N/A | $1021 | -0.175% | 25,155 | Bank | Direct | — |
| 8 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | 75 | 75 | 87 | 63 | N/A | $186 | 0.120% | 11,250 | Bank | Direct | — |
| 9 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 74 | 36 | 100 | 86 | N/A | $2828 | 0.185% | 285,901 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 10 | [PROVIDENT FUNDING ASSOCIATES, L.P.](https://saferate.com/lenders/provident-funding-associates-lp) | 74 | 83 | 84 | 55 | N/A | $1206 | -0.101% | 12,582 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 11 | [Citibank, National Association](https://saferate.com/lenders/citibank-national-association) | 74 | 86 | 83 | 54 | N/A | -$568 (Credit) | -0.252% | 10,757 | Bank | Direct | — |
| 12 | [Manufacturers and Traders Trust Company](https://saferate.com/lenders/manufacturers-and-traders-trust) | 74 | 59 | 87 | 76 | N/A | $1064 | 0.105% | 7,577 | Bank | Direct | — |
| 13 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 73 | 52 | 95 | 71 | N/A | $2283 | 0.135% | 67,126 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 14 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 72 | 28 | 100 | 87 | N/A | $3881 | 0.334% | 266,411 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 15 | [NBKC BANK](https://saferate.com/lenders/nbkc-bank) | 72 | 90 | 77 | 49 | N/A | $560 | -0.167% | 7,357 | Bank | Direct | — |
| 16 | [Citizens Bank, National Association](https://saferate.com/lenders/citizens-bank-national-association) | 71 | 70 | 84 | 59 | N/A | $1074 | 0.029% | 9,612 | Bank | Direct | — |
| 17 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 70 | 61 | 91 | 57 | N/A | $1660 | -0.017% | 34,079 | Bank | Direct | — |
| 18 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 69 | 45 | 90 | 72 | N/A | $2582 | 0.136% | 57,340 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 19 | [Ameris Bank](https://saferate.com/lenders/ameris-bank) | 69 | 41 | 89 | 76 | N/A | $2801 | 0.172% | 11,244 | Bank | Direct | — |
| 20 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | 69 | 61 | 86 | 60 | N/A | $542 | 0.263% | 10,811 | Bank | Direct | — |
| 21 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 68 | 34 | 94 | 77 | N/A | $2921 | 0.343% | 51,046 | Independent Mortgage Company | Direct | — |
| 22 | [ARK-LA-TEX FINANCIAL SERVICES, LLC.](https://saferate.com/lenders/ark-la-tex-financial-services) | 68 | 40 | 89 | 74 | N/A | $2079 | 0.294% | 14,849 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Ark-La-Tex Financial Services directly or with a mortgage broker. |
| 23 | [Bell Bank](https://saferate.com/lenders/bell-bank) | 68 | 36 | 89 | 80 | N/A | $2876 | 0.274% | 7,696 | Bank | Direct | — |
| 24 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 67 | 34 | 94 | 73 | N/A | $2940 | 0.289% | 46,733 | Independent Mortgage Company | Direct | — |
| 25 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 66 | 25 | 95 | 78 | N/A | $3254 | 0.445% | 61,160 | Independent Mortgage Company | Direct | — |
| 26 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 66 | 25 | 95 | 77 | N/A | $3553 | 0.387% | 58,550 | Independent Mortgage Company | Direct | — |
| 27 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 66 | 39 | 94 | 65 | N/A | $2477 | 0.229% | 51,353 | Independent Mortgage Company | Direct | — |
| 28 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | 66 | 34 | 92 | 72 | N/A | $2572 | 0.351% | 23,726 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with Flagstar Bank, N.A. directly or with a mortgage broker. |
| 29 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | 66 | 39 | 88 | 71 | N/A | $2398 | 0.284% | 16,835 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 30 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 65 | 26 | 92 | 76 | N/A | $3445 | 0.321% | 21,082 | Independent Mortgage Company | Direct | — |
| 31 | [MUTUAL OF OMAHA MORTGAGE, INC.](https://saferate.com/lenders/mutual-of-omaha-mortgage) | 65 | 65 | 76 | 55 | N/A | $2029 | 0.181% | 11,542 | Independent Mortgage Company | Direct | — |
| 32 | [FIRST COMMUNITY MORTGAGE, INC.](https://saferate.com/lenders/first-community-mortgage) | 65 | 31 | 85 | 79 | N/A | $2818 | 0.429% | 9,840 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with First Community Mortgage directly or with a mortgage broker. |
| 33 | [BAY EQUITY LLC](https://saferate.com/lenders/bay-equity) | 65 | 46 | 85 | 65 | N/A | $2852 | 0.180% | 9,468 | Independent Mortgage Company | Direct | — |
| 34 | [VANDERBILT MORTGAGE AND FINANCE, INC.](https://saferate.com/lenders/vanderbilt-mortgage-and-finance) | 65 | 45 | 83 | 68 | N/A | $3102 | 0.063% | 7,432 | Independent Mortgage Company | Direct | — |
| 35 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 64 | 21 | 96 | 74 | N/A | $3549 | 0.497% | 86,295 | Independent Mortgage Company | Direct | — |
| 36 | [Regions Bank](https://saferate.com/lenders/regions-bank) | 64 | 39 | 88 | 64 | N/A | $1948 | 0.333% | 10,811 | Bank | Direct | — |
| 37 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 63 | 42 | 88 | 59 | N/A | $1952 | 0.038% | 35,887 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 38 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | 63 | 23 | 90 | 77 | N/A | $2996 | 0.562% | 23,240 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Union Home Mortgage Corp. directly or with a mortgage broker. |
| 39 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | 63 | 33 | 87 | 71 | N/A | $2384 | 0.287% | 18,786 | Independent Mortgage Company | Direct | — |
| 40 | [Plains Commerce Bank](https://saferate.com/lenders/plains-commerce-bank) | 63 | 35 | 90 | 64 | N/A | $2989 | 0.278% | 11,610 | Bank | Wholesale | Pricing may vary between mortgage brokers. |
| 41 | [PLAZA HOME MORTGAGE, INC.](https://saferate.com/lenders/plaza-home-mortgage) | 63 | 43 | 84 | 63 | N/A | $2801 | 0.380% | 11,165 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 42 | [DAS Acquisition Company, LLC](https://saferate.com/lenders/das-acquisition-company) | 63 | 29 | 86 | 75 | N/A | $2766 | 0.587% | 7,507 | Independent Mortgage Company | Direct | — |
| 43 | [LOWER, LLC](https://saferate.com/lenders/lower) | 62 | 33 | 87 | 66 | N/A | $2834 | 0.450% | 15,793 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Lower directly or with a mortgage broker. |
| 44 | [CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP](https://saferate.com/lenders/cardinal-financial-company-limited-partnership) | 62 | 20 | 87 | 78 | N/A | $3469 | 0.467% | 11,689 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Cardinal Financial Company, Limited Partnership directly or with a mortgage broker. |
| 45 | [Sierra Pacific Mortgage Company, Inc.](https://saferate.com/lenders/sierra-pacific-mortgage-company) | 62 | 33 | 82 | 70 | N/A | $3577 | 0.263% | 7,145 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Sierra Pacific Mortgage Company directly or with a mortgage broker. |
| 46 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 61 | 31 | 93 | 58 | N/A | $2479 | 0.382% | 32,880 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 47 | [NFM, INC.](https://saferate.com/lenders/nfm) | 61 | 19 | 88 | 77 | N/A | $3705 | 0.346% | 16,100 | Independent Mortgage Company | Direct | — |
| 48 | [KIND LENDING, LLC](https://saferate.com/lenders/kind-lending) | 61 | 31 | 86 | 66 | N/A | $2761 | 0.348% | 13,399 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 49 | [AMERICAN PACIFIC MORTGAGE CORPORATION](https://saferate.com/lenders/american-pacific-mortgage) | 60 | 15 | 90 | 75 | N/A | $4289 | 0.552% | 17,767 | Independent Mortgage Company | Direct | — |
| 50 | [NEW AMERICAN FUNDING, LLC](https://saferate.com/lenders/new-american-funding) | 59 | 26 | 92 | 60 | N/A | $3182 | 0.556% | 37,119 | Independent Mortgage Company | Direct | — |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within the US.

Our composite Safe Rate Score is derived using a weighted average of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by [PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.