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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 Conventional Mortgage Bank Lenders in United States
Updated February 6, 2026
Market Overview
19
Total Lenders
3,560,099
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | — | -$568 | -0.252% | 10,757 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | — | $283 | +0.033% | 37,416 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | — | $1,021 | -0.175% | 25,155 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | — | $415 | +0.374% | 18,842 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | — | $802 | +0.078% | 13,874 | |
6 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | — | $186 | +0.120% | 11,250 | |
7 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | — | $560 | -0.167% | 7,357 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | — | $331 | -0.449% | 7,167 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | — | $1,660 | -0.017% | 34,079 | |
10 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | — | $542 | +0.263% | 10,811 | |
11 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | — | $1,074 | +0.029% | 9,612 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | — | $2,283 | +0.135% | 67,126 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Strong | — | $2,801 | +0.172% | 11,244 | |
14 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | — | $1,064 | +0.105% | 7,577 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | — | $2,572 | +0.351% | 23,726 | |
16 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | — | $2,989 | +0.278% | 11,610 | |
17 | Regions Bank | Strong | Acceptable | Exceptional | Strong | — | $1,948 | +0.333% | 10,811 | |
18 | Bell Bank | Strong | Acceptable | Exceptional | Strong | — | $2,876 | +0.274% | 7,696 | |
19 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | — | $1,831 | -0.129% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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