Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in the US

Updated May 19, 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 Lenders2386

Total Loans3,560,099

Median Rate Spread0.20%

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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	—	$568Credit	0.252%Below	10,757
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	—	$283Fees	0.033%Above	37,416
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	—	$1,021Fees	0.175%Below	25,155
4	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	—	$415Fees	0.374%Above	18,842
5	Truist BankBank	Exceptional	Strong	Exceptional	Strong	—	$802Fees	0.078%Above	13,874
6	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	—	$186Fees	0.120%Above	11,250
7	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	—	$560Fees	0.167%Below	7,357
8	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	—	$331Fees	0.449%Below	7,167
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	—	$1,660Fees	0.017%Below	34,079
10	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	—	$542Fees	0.263%Above	10,811
11	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	—	$1,074Fees	0.029%Above	9,612
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	—	$2,283Fees	0.135%Above	67,126
13	Ameris BankBank	Strong	Sound	Exceptional	Strong	—	$2,801Fees	0.172%Above	11,244
14	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	—	$1,064Fees	0.105%Above	7,577
15	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	—	$2,572Fees	0.351%Above	23,726
16	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	—	$2,989Fees	0.278%Above	11,610
17	Regions BankBank	Strong	Acceptable	Exceptional	Strong	—	$1,948Fees	0.333%Above	10,811
18	Bell BankBank	Strong	Acceptable	Exceptional	Strong	—	$2,876Fees	0.274%Above	7,696
19	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	—	$1,831Fees	0.129%Below	12,100

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.