# Best Mortgage Lenders in the US

**As of:** 2026-05-20

Compare the top mortgage lenders in the US. Data-driven rankings based on pricing, approval rates, and local market expertise.

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


> **📋 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 | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Morgan Stanley Private Bank, National Association | 89 | 94 | 66 | 7,167 | Bank |
| 2 | U.S. Bank National Association | 80 | 75 | 71 | 37,416 | Bank |
| 3 | Bank of America, National Association | 80 | 73 | 75 | 25,155 | Bank |
| 4 | The Huntington National Bank | 80 | 61 | 75 | 18,842 | Bank |
| 5 | Truist Bank | 80 | 70 | 68 | 13,874 | Bank |
| 6 | PNC Bank, National Association | 80 | 71 | 61 | 11,250 | Bank |
| 7 | Fifth Third Bank, National Association | 80 | 62 | 62 | 10,811 | Bank |
| 8 | Citizens Bank, National Association | 80 | 69 | 62 | 9,612 | Bank |
| 9 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 7,577 | Bank |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 77 | 41 | 93 | 285,901 | Independent Mortgage Company |
| 11 | NAVY FEDERAL CREDIT UNION | 77 | 93 | 60 | 31,887 | Credit Union |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 77 | 46 | 83 | 14,849 | Independent Mortgage Company |
| 13 | FLAT BRANCH MORTGAGE, INC. | 77 | 50 | 89 | 13,335 | Independent Mortgage Company |
| 14 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 12,582 | Independent Mortgage Company |
| 15 | Ameris Bank | 77 | 42 | 82 | 11,244 | Bank |
| 16 | Citibank, National Association | 77 | 87 | 58 | 10,757 | Bank |
| 17 | VANDERBILT MORTGAGE AND FINANCE, INC. | 77 | 51 | 82 | 7,432 | Independent Mortgage Company |
| 18 | NBKC BANK | 77 | 91 | 59 | 7,357 | Bank |
| 19 | JPMorgan Chase Bank, National Association | 69 | 49 | 70 | 67,126 | Bank |
| 20 | LOANDEPOT.COM, LLC | 69 | 48 | 76 | 57,340 | Independent Mortgage Company |
| 21 | GUARANTEED RATE, INC. | 69 | 41 | 69 | 51,353 | Independent Mortgage Company |
| 22 | FREEDOM MORTGAGE CORPORATION | 69 | 55 | 67 | 37,313 | Independent Mortgage Company |
| 23 | PENNYMAC LOAN SERVICES, LLC | 69 | 56 | 63 | 35,887 | Independent Mortgage Company |
| 24 | Wells Fargo Bank, National Association | 69 | 63 | 59 | 34,079 | Bank |
| 25 | Regions Bank | 69 | 41 | 64 | 10,811 | Bank |
| 26 | BAY EQUITY LLC | 69 | 43 | 65 | 9,468 | Independent Mortgage Company |
| 27 | ROCKET MORTGAGE, LLC | 63 | 29 | 95 | 266,411 | Independent Mortgage Company |
| 28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 63 | 24 | 85 | 61,160 | Independent Mortgage Company |
| 29 | GUILD MORTGAGE COMPANY LLC | 63 | 25 | 83 | 58,550 | Independent Mortgage Company |
| 30 | MOVEMENT MORTGAGE, LLC | 63 | 32 | 84 | 51,046 | Independent Mortgage Company |
| 31 | CMG MORTGAGE, INC. | 63 | 33 | 81 | 46,733 | Independent Mortgage Company |
| 32 | UNION HOME MORTGAGE CORP. | 63 | 22 | 83 | 23,240 | Independent Mortgage Company |
| 33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 63 | 26 | 83 | 21,082 | Independent Mortgage Company |
| 34 | NFM, INC. | 63 | 23 | 87 | 16,100 | Independent Mortgage Company |
| 35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 63 | 26 | 87 | 11,689 | Independent Mortgage Company |
| 36 | FIRST COMMUNITY MORTGAGE, INC. | 63 | 31 | 89 | 9,840 | Independent Mortgage Company |
| 37 | Bell Bank | 63 | 35 | 82 | 7,696 | Bank |
| 38 | DAS Acquisition Company, LLC | 63 | 26 | 80 | 7,507 | Independent Mortgage Company |
| 39 | USAA Federal Savings Bank | 60 | 54 | 45 | 12,100 | Bank |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 11,542 | Independent Mortgage Company |
| 41 | CROSSCOUNTRY MORTGAGE, LLC | 57 | 20 | 76 | 86,295 | Independent Mortgage Company |
| 42 | Mortgage Research Center, LLC | 57 | 34 | 70 | 60,588 | Independent Mortgage Company |
| 43 | Flagstar Bank, N.A. | 57 | 40 | 76 | 23,726 | Bank |
| 44 | NATIONSTAR MORTGAGE LLC | 57 | 26 | 71 | 21,352 | Independent Mortgage Company |
| 45 | Prosperity Home Mortgage, LLC | 57 | 37 | 77 | 18,786 | Independent Mortgage Company |
| 46 | Paramount Residential Mortgage Group, Inc. | 57 | 27 | 72 | 17,073 | Independent Mortgage Company |
| 47 | THE LOAN STORE, INC. | 57 | 40 | 77 | 16,835 | Independent Mortgage Company |
| 48 | LOWER, LLC | 57 | 30 | 71 | 15,793 | Independent Mortgage Company |
| 49 | KIND LENDING, LLC | 57 | 39 | 73 | 13,399 | Independent Mortgage Company |
| 50 | GUARANTEED RATE AFFINITY, LLC | 57 | 33 | 60 | 12,743 | Independent Mortgage Company |

## 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 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.