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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 Conventional Mortgage Company Lenders in Montgomery County
Updated February 5, 2026
Market Overview
50
Total Lenders
19,475
Total Loans
0.18%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,398 | -0.085% | 282 | |
2 | Mortgage America, Inc. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,051 | +0.138% | 400 | |
3 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $4,072 | +0.227% | 59 | |
4 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Sound | Strong | $149 | -0.168% | 43 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,620 | +0.238% | 1,398 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,077 | +0.068% | 1,068 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,997 | +0.187% | 510 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,069 | +0.252% | 256 | |
9 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $3,233 | +0.360% | 84 | |
10 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,631 | +0.210% | 81 | |
11 | Filo Mortgage, L.L.C. | Strong | Strong | Strong | Sound | Strong | $1,611 | +0.116% | 68 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,056 | +0.295% | 1,406 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,076 | +0.016% | 812 | |
14 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,832 | +0.257% | 738 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,035 | +0.248% | 551 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,047 | +0.255% | 513 | |
17 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Sound | Strong | Exceptional | $3,582 | -0.005% | 143 | |
18 | Quaint Oak Mortgage, LLC | Strong | Sound | Strong | Strong | Strong | $3,698 | +0.038% | 71 | |
19 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,181 | +0.012% | 56 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,191 | +0.155% | 50 | |
21 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,351 | +0.272% | 288 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,931 | +0.218% | 241 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,105 | +0.158% | 177 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,279 | +0.275% | 176 | |
25 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $2,961 | +0.287% | 160 | |
26 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,674 | +0.299% | 141 | |
27 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,435 | +0.335% | 136 | |
28 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,774 | +0.138% | 99 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,175 | +0.150% | 97 | |
30 | PIKE CREEK MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $4,466 | +0.229% | 76 | |
31 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Sound | $3,788 | +0.181% | 41 | |
32 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,267 | +0.417% | 231 | |
33 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,270 | +0.330% | 212 | |
34 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,953 | +0.327% | 183 | |
35 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,630 | +0.157% | 128 | |
36 | MDE HOME LOANS, LLC | Strong | Sound | Sound | Sound | Strong | $2,291 | +0.145% | 83 | |
37 | GO MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,826 | +0.472% | 74 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,083 | +0.235% | 61 | |
39 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Strong | $3,292 | +0.371% | 57 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $4,357 | +0.362% | 56 | |
41 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,745 | +0.252% | 54 | |
42 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,625 | +0.314% | 48 | |
43 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,940 | +0.328% | 41 | |
44 | LENDING CAPITAL GROUP Inc | Strong | Acceptable | Sound | Sound | Exceptional | $3,643 | +0.438% | 210 | |
45 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,934 | +0.335% | 140 | |
46 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,696 | +0.249% | 101 | |
47 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,950 | +0.479% | 73 | |
48 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,884 | +0.236% | 53 | |
49 | Northeast Equitable Mortgage, LLC | Sound | Acceptable | Sound | Sound | Strong | $2,994 | +0.200% | 98 | |
50 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,492 | +0.071% | 157 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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