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Safe Rate's TrueRank Guarantee
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.
Best Mortgage Lenders in United States
Updated February 6, 2026
Market Overview
2386
Total Lenders
3,560,099
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | — | $331 | -0.449% | 7,167 | |
2 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | — | $749 | -0.493% | 31,887 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | — | $1,206 | -0.101% | 12,582 | |
4 | Citibank, National Association | Strong | Exceptional | Sound | — | -$568 | -0.252% | 10,757 | |
5 | NBKC BANK | Strong | Exceptional | Sound | — | $560 | -0.167% | 7,357 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | — | $283 | +0.033% | 37,416 | |
7 | Bank of America, National Association | Strong | Strong | Strong | — | $1,021 | -0.175% | 25,155 | |
8 | The Huntington National Bank | Strong | Strong | Strong | — | $415 | +0.374% | 18,842 | |
9 | Truist Bank | Strong | Strong | Strong | — | $802 | +0.078% | 13,874 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | — | $186 | +0.120% | 11,250 | |
11 | Fifth Third Bank, National Association | Strong | Strong | Strong | — | $542 | +0.263% | 10,811 | |
12 | Citizens Bank, National Association | Strong | Strong | Strong | — | $1,074 | +0.029% | 9,612 | |
13 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | — | $1,064 | +0.105% | 7,577 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | — | $2,828 | +0.185% | 285,901 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | — | $1,660 | -0.017% | 34,079 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | — | $2,079 | +0.294% | 14,849 | |
17 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | — | $1,570 | +0.401% | 13,335 | |
18 | Ameris Bank | Strong | Sound | Exceptional | — | $2,801 | +0.172% | 11,244 | |
19 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | — | $3,102 | +0.063% | 7,432 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | — | $2,283 | +0.135% | 67,126 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | — | $2,582 | +0.136% | 57,340 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | — | $2,477 | +0.229% | 51,353 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | — | $2,402 | +0.164% | 37,313 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | — | $1,952 | +0.038% | 35,887 | |
25 | Regions Bank | Strong | Sound | Strong | — | $1,948 | +0.333% | 10,811 | |
26 | BAY EQUITY LLC | Strong | Sound | Strong | — | $2,852 | +0.180% | 9,468 | |
27 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | — | $3,881 | +0.334% | 266,411 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | — | $3,254 | +0.445% | 61,160 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | — | $3,553 | +0.387% | 58,550 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | — | $2,921 | +0.343% | 51,046 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | — | $2,940 | +0.289% | 46,733 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | — | $2,996 | +0.562% | 23,240 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | — | $3,445 | +0.321% | 21,082 | |
34 | NFM, INC. | Strong | Acceptable | Exceptional | — | $3,705 | +0.346% | 16,100 | |
35 | USAA Federal Savings Bank | Strong | Sound | Sound | — | $1,831 | -0.129% | 12,100 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | — | $3,469 | +0.467% | 11,689 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | — | $2,029 | +0.181% | 11,542 | |
38 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | — | $2,818 | +0.429% | 9,840 | |
39 | Bell Bank | Strong | Acceptable | Exceptional | — | $2,876 | +0.274% | 7,696 | |
40 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | — | $2,766 | +0.587% | 7,507 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | — | $3,549 | +0.497% | 86,295 | |
42 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | — | $1,956 | +0.540% | 60,588 | |
43 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | — | $2,572 | +0.351% | 23,726 | |
44 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | — | $3,487 | +0.386% | 21,352 | |
45 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | — | $2,384 | +0.287% | 18,786 | |
46 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | — | $3,279 | +0.479% | 17,073 | |
47 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | — | $2,398 | +0.284% | 16,835 | |
48 | LOWER, LLC | Sound | Acceptable | Strong | — | $2,834 | +0.450% | 15,793 | |
49 | KIND LENDING, LLC | Sound | Acceptable | Strong | — | $2,761 | +0.348% | 13,399 | |
50 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | — | $2,588 | +0.279% | 12,743 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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