Safe Rate Rankings

Best Mortgage Company Lenders in Medford

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 Lenders17

Total Loans1,423

Median Rate Spread0.28%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,872Fees	0.175%Above	195
2	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,980Fees	0.325%Above	212
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,523Fees	0.176%Above	139
4	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,973Fees	0.483%Above	108
5	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,593Fees	0.139%Above	88
6	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,928Fees	0.411%Above	71
7	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	$4,486Fees	0.453%Above	42
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,690Fees	0.347%Above	35
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,298Fees	0.178%Above	35
10	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,362Fees	0.240%Below	21
11	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,931Fees	0.436%Above	111
12	MORTGAGE EXPRESS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,424Fees	0.360%Above	55
13	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,306Fees	0.380%Above	41
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,749Fees	0.437%Above	29
15	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,849Fees	0.476%Above	75
16	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,608Fees	0.345%Above	21
17	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,027Fees	0.426%Above	23

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.