Safe Rate Rankings

Best Mortgage Company Lenders in Madison

Updated February 5, 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 Lenders18

Total Loans2,376

Median Rate Spread0.22%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	THOMPSON KANE & COMPANY, INCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,773Fees	0.279%Above	549
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,854Fees	0.011%Below	126
3	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,134Fees	0.016%Above	444
4	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,621Fees	0.240%Above	237
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,143Fees	0.325%Above	191
6	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,773Fees	0.489%Above	64
7	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,590Fees	0.183%Above	40
8	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,488Fees	0.145%Above	33
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$555Fees	0.166%Below	21
10	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,548Credit	0.006%Below	20
11	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,041Fees	0.130%Above	148
12	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$1,484Fees	0.022%Below	26
13	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,971Fees	0.536%Above	70
14	Synergy One Lending, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,219Fees	0.506%Above	23
15	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$822Fees	0.183%Below	23
16	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$1,755Fees	0.121%Above	66
17	COMPEER FINANCIAL, FLCAIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$3,241Fees	0.731%Above	27

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.