The Yorkshire was the most competitive mortgage lender in Q1 2008, according to Mform.co.uk.
The price comparison website says Furness was in second place, while Chorley and West Bromwich came in joint third.
But Mform.co.uk says big lenders such as Abbey, HSBC and the Co-operative Bank are becoming increasingly competitive.
The website ranks products in all categories based on the true cost of mortgages including fees.
Each time a lender appeared in its top 10 in the three months to March 31 it was awarded a point so that at the end of that period, those that offered the best value could be ranked according to their consistency.
Francis Ghiloni, marketing and business development director at Mform.co.uk, says: “Some lenders have shut up shop but it’s still possible for borrowers to get good deals.”