Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Nassau County

Updated May 31, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders115

Total Loans22,725

Median Rate Spread0.21%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$137Fees	0.153%Below	555
2	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$1,426Fees	0.160%Below	593
3	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$1,780Fees	0.220%Below	553
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,462Fees	0.306%Below	340
5	Valley National BankBank	Exceptional	Exceptional	Strong	Sound	Strong	$976Fees	0.610%Below	202
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$429Fees	0.112%Below	192
7	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$303Fees	0.608%Below	148
8	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,476Fees	0.053%Above	1,367
9	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$1,607Fees	0.000%Above	172
10	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Exceptional	$1,332Fees	0.012%Above	358
11	Evolve Bank & TrustBank	Strong	Sound	Strong	Strong	Strong	$1,939Fees	0.179%Above	73
12	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$4,102Fees	0.388%Above	138
13	Ridgewood Savings BankBank	Strong	Strong	Acceptable	Acceptable	Strong	$378Fees	0.276%Below	76
14	Dime Community BankBank	Strong	Strong	Acceptable	Acceptable	Strong	$1,265Fees	0.455%Below	56
15	Webster Bank, National AssociationBank	Sound	Sound	Sound	Acceptable	Sound	$1,816Fees	0.038%Above	49
16	The Federal Savings BankBank	Sound	Mediocre	Strong	Sound	Strong	$5,662Fees	0.466%Above	276
17	Quontic BankBank	Sound	Mediocre	Strong	Sound	Strong	$6,946Fees	0.726%Above	195
18	First National Bank of AmericaBank	Sound	Mediocre	Strong	Sound	Sound	$1,405Fees	1.771%Above	57
19	Bank of HopeBank	Sound	Mediocre	Sound	Sound	Strong	$1,561Fees	0.556%Above	54
20	Metro City BankBank	Sound	Mediocre	Sound	Sound	Strong	$7,114Fees	2.017%Above	52

How We Rank Lenders

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.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

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.