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Safe Rate's TrueRank Guarantee
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 Mortgage Company Lenders in Montgomery County
Updated February 5, 2026
Market Overview
50
Total Lenders
14,967
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Exceptional | $1,398 | -0.085% | 282 | |
2 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Strong | $149 | -0.168% | 43 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,077 | +0.068% | 1,068 | |
4 | Mortgage America, Inc. | Strong | Sound | Exceptional | Exceptional | $2,051 | +0.138% | 400 | |
5 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Exceptional | $2,351 | +0.272% | 288 | |
6 | NJ LENDERS CORP. | Strong | Strong | Strong | Strong | $4,072 | +0.227% | 59 | |
7 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $3,076 | +0.016% | 812 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,997 | +0.187% | 510 | |
9 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Strong | Exceptional | $3,582 | -0.005% | 143 | |
10 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $1,774 | +0.138% | 99 | |
11 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | $3,233 | +0.360% | 84 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,620 | +0.238% | 1,398 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,035 | +0.248% | 551 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,047 | +0.255% | 513 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,069 | +0.252% | 256 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,105 | +0.158% | 177 | |
17 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $2,961 | +0.287% | 160 | |
18 | Filo Mortgage, L.L.C. | Strong | Strong | Acceptable | Strong | $1,611 | +0.116% | 68 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,056 | +0.295% | 1,406 | |
20 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,832 | +0.257% | 738 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,931 | +0.218% | 241 | |
22 | LENDING CAPITAL GROUP Inc | Strong | Acceptable | Strong | Exceptional | $3,643 | +0.438% | 210 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,279 | +0.275% | 176 | |
24 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,934 | +0.335% | 140 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,175 | +0.150% | 97 | |
26 | MDE HOME LOANS, LLC | Strong | Sound | Sound | Strong | $2,291 | +0.145% | 83 | |
27 | PIKE CREEK MORTGAGE SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | $4,466 | +0.229% | 76 | |
28 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,181 | +0.012% | 56 | |
29 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $1,953 | +0.327% | 183 | |
30 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $2,674 | +0.299% | 141 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,435 | +0.335% | 136 | |
32 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $3,630 | +0.157% | 128 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,696 | +0.249% | 101 | |
34 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,631 | +0.210% | 81 | |
35 | Quaint Oak Mortgage, LLC | Strong | Acceptable | Strong | Strong | $3,698 | +0.038% | 71 | |
36 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | $3,292 | +0.371% | 57 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $4,357 | +0.362% | 56 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,191 | +0.155% | 50 | |
39 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $1,940 | +0.328% | 41 | |
40 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Sound | $3,788 | +0.181% | 41 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,267 | +0.417% | 231 | |
42 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,270 | +0.330% | 212 | |
43 | Northeast Equitable Mortgage, LLC | Sound | Acceptable | Sound | Strong | $2,994 | +0.200% | 98 | |
44 | PRINCETON MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $3,502 | +0.252% | 79 | |
45 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $2,083 | +0.235% | 61 | |
46 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $1,745 | +0.252% | 54 | |
47 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $2,625 | +0.314% | 48 | |
48 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | $4,492 | +0.071% | 157 | |
49 | GO MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | $4,826 | +0.472% | 74 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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