Safe Rate Rankings

Best Conventional Mortgage Lenders in the US

Updated June 2, 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	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	—	$749Fees	0.493%Below	31,887
2	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	—	$1,206Fees	0.101%Below	12,582
3	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	—	$568Credit	0.252%Below	10,757
4	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	—	$283Fees	0.033%Above	37,416
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	—	$1,021Fees	0.175%Below	25,155
6	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	—	$415Fees	0.374%Above	18,842
7	Truist BankBank	Exceptional	Strong	Exceptional	Strong	—	$802Fees	0.078%Above	13,874
8	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	—	$186Fees	0.120%Above	11,250
9	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	—	$560Fees	0.167%Below	7,357
10	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	—	$331Fees	0.449%Below	7,167
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	—	$1,660Fees	0.017%Below	34,079
12	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	—	$1,570Fees	0.401%Above	13,335
13	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	—	$542Fees	0.263%Above	10,811
14	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	—	$1,074Fees	0.029%Above	9,612
15	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	—	$2,283Fees	0.135%Above	67,126
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$2,582Fees	0.136%Above	57,340
17	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$2,079Fees	0.294%Above	14,849
18	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	—	$2,029Fees	0.181%Above	11,542
19	Ameris BankBank	Strong	Sound	Exceptional	Strong	—	$2,801Fees	0.172%Above	11,244
20	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$2,801Fees	0.380%Above	11,165
21	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$2,852Fees	0.180%Above	9,468
22	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	—	$1,064Fees	0.105%Above	7,577
23	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$3,102Fees	0.063%Above	7,432
24	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	—	$2,828Fees	0.185%Above	285,901
25	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	—	$3,881Fees	0.334%Above	266,411
26	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	—	$1,952Fees	0.038%Above	35,887
27	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,549Fees	0.497%Above	86,295
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,254Fees	0.445%Above	61,160
29	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,553Fees	0.387%Above	58,550
30	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,477Fees	0.229%Above	51,353
31	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,921Fees	0.343%Above	51,046
32	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,940Fees	0.289%Above	46,733
33	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	—	$2,572Fees	0.351%Above	23,726
34	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,996Fees	0.562%Above	23,240
35	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,487Fees	0.386%Above	21,352
36	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,445Fees	0.321%Above	21,082
37	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,384Fees	0.287%Above	18,786
38	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,279Fees	0.479%Above	17,073
39	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,398Fees	0.284%Above	16,835
40	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,834Fees	0.450%Above	15,793
41	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,761Fees	0.348%Above	13,399
42	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,469Fees	0.467%Above	11,689
43	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	—	$2,989Fees	0.278%Above	11,610
44	Regions BankBank	Strong	Acceptable	Exceptional	Strong	—	$1,948Fees	0.333%Above	10,811
45	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,818Fees	0.429%Above	9,840
46	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,206Fees	0.608%Above	9,656
47	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$4,134Fees	0.531%Above	8,466
48	Bell BankBank	Strong	Acceptable	Exceptional	Strong	—	$2,876Fees	0.274%Above	7,696
49	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,766Fees	0.587%Above	7,507
50	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,577Fees	0.263%Above	7,145

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.