# Best Conventional Mortgage Bank Lenders in Nassau County

**As of:** 2026-05-31

Compare the top banks for Conventional loans in Nassau County.

> **Canonical URL:** https://saferate.com/nassau-county/best-mortgage-lenders/banks/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:** 115
- **Total Loans:** 22,725
- **Median Rate Spread:** 0.21122123893805309%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Citibank, National Association | 88 | 86 | 54 | 555 | Bank |
| 2 | Bank of America, National Association | 85 | 71 | 67 | 340 | Bank |
| 3 | U.S. Bank National Association | 85 | 75 | 69 | 192 | Bank |
| 4 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 1,367 | Bank |
| 5 | Citizens Bank, National Association | 83 | 70 | 59 | 593 | Bank |
| 6 | Wells Fargo Bank, National Association | 83 | 61 | 57 | 553 | Bank |
| 7 | Valley National Bank | 79 | 89 | 59 | 202 | Bank |
| 8 | Manufacturers and Traders Trust Company | 79 | 59 | 76 | 172 | Bank |
| 9 | Morgan Stanley Private Bank, National Association | 79 | 96 | 57 | 148 | Bank |
| 10 | Evolve Bank & Trust | 74 | 53 | 61 | 73 | Bank |
| 11 | TD Bank, National Association | 73 | 54 | 50 | 358 | Bank |
| 12 | Flagstar Bank, N.A. | 71 | 34 | 72 | 138 | Bank |
| 13 | Ridgewood Savings Bank | 57 | 65 | 30 | 76 | Bank |
| 14 | Dime Community Bank | 57 | 67 | 23 | 56 | Bank |
| 15 | Webster Bank, National Association | 54 | 54 | 34 | 49 | Bank |
| 16 | The Federal Savings Bank | 53 | 18 | 58 | 276 | Bank |
| 17 | Quontic Bank | 53 | 3 | 43 | 195 | Bank |
| 18 | First National Bank of America | 49 | 1 | 57 | 57 | Bank |
| 19 | Bank of Hope | 49 | 11 | 40 | 54 | Bank |
| 20 | Metro City Bank | 49 | 1 | 57 | 52 | Bank |

## 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 Nassau County.

Our composite SafeRate Score is derived using an equal, geometric weighting 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.