# Best Conventional Mortgage Bank Lenders in the US

**As of:** 2026-05-19

Compare the top banks for Conventional loans in the US.

> **Canonical URL:** https://saferate.com/national/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:** 2,386
- **Total Loans:** 3,560,099
- **Median Rate Spread:** 0.20338265534197586%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 86 | 75 | 69 | 37,416 | Bank |
| 2 | Bank of America, National Association | 86 | 71 | 67 | 25,155 | Bank |
| 3 | The Huntington National Bank | 86 | 63 | 75 | 18,842 | Bank |
| 4 | Truist Bank | 86 | 71 | 69 | 13,874 | Bank |
| 5 | PNC Bank, National Association | 86 | 75 | 63 | 11,250 | Bank |
| 6 | Citibank, National Association | 84 | 86 | 54 | 10,757 | Bank |
| 7 | JPMorgan Chase Bank, National Association | 78 | 52 | 71 | 67,126 | Bank |
| 8 | Wells Fargo Bank, National Association | 78 | 61 | 57 | 34,079 | Bank |
| 9 | Ameris Bank | 78 | 41 | 76 | 11,244 | Bank |
| 10 | Fifth Third Bank, National Association | 78 | 61 | 60 | 10,811 | Bank |
| 11 | Citizens Bank, National Association | 78 | 70 | 59 | 9,612 | Bank |
| 12 | Manufacturers and Traders Trust Company | 78 | 59 | 76 | 7,577 | Bank |
| 13 | NBKC BANK | 78 | 90 | 49 | 7,357 | Bank |
| 14 | Morgan Stanley Private Bank, National Association | 78 | 96 | 57 | 7,167 | Bank |
| 15 | Flagstar Bank, N.A. | 68 | 34 | 72 | 23,726 | Bank |
| 16 | Plains Commerce Bank | 68 | 35 | 64 | 11,610 | Bank |
| 17 | Regions Bank | 68 | 39 | 64 | 10,811 | Bank |
| 18 | Bell Bank | 68 | 36 | 80 | 7,696 | Bank |
| 19 | USAA Federal Savings Bank | 58 | 53 | 27 | 12,100 | 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 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. **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.