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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 Lenders in United States

Updated February 6, 2026

Market Overview

2386

Total Lenders

3,560,099

Total Loans

0.20%

Median Rate Spread

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

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