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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 United States
Updated February 6, 2026
Market Overview
45
Total Lenders
2,526,434
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | — | $1,206 | -0.101% | 12,582 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | — | $2,828 | +0.185% | 285,901 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | — | $2,079 | +0.294% | 14,849 | |
4 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | — | $1,570 | +0.401% | 13,335 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | — | $3,102 | +0.063% | 7,432 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | — | $2,582 | +0.136% | 57,340 | |
7 | GUARANTEED RATE, INC. | Strong | Sound | Strong | — | $2,477 | +0.229% | 51,353 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | — | $2,402 | +0.164% | 37,313 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | — | $1,952 | +0.038% | 35,887 | |
10 | BAY EQUITY LLC | Strong | Sound | Strong | — | $2,852 | +0.180% | 9,468 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | — | $3,881 | +0.334% | 266,411 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | — | $3,254 | +0.445% | 61,160 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | — | $3,553 | +0.387% | 58,550 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | — | $2,921 | +0.343% | 51,046 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | — | $2,940 | +0.289% | 46,733 | |
16 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | — | $2,996 | +0.562% | 23,240 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | — | $3,445 | +0.321% | 21,082 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | — | $3,705 | +0.346% | 16,100 | |
19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | — | $3,469 | +0.467% | 11,689 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | — | $2,029 | +0.181% | 11,542 | |
21 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | — | $2,818 | +0.429% | 9,840 | |
22 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | — | $2,766 | +0.587% | 7,507 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | — | $3,549 | +0.497% | 86,295 | |
24 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | — | $1,956 | +0.540% | 60,588 | |
25 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | — | $3,487 | +0.386% | 21,352 | |
26 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | — | $2,384 | +0.287% | 18,786 | |
27 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | — | $3,279 | +0.479% | 17,073 | |
28 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | — | $2,398 | +0.284% | 16,835 | |
29 | LOWER, LLC | Sound | Acceptable | Strong | — | $2,834 | +0.450% | 15,793 | |
30 | KIND LENDING, LLC | Sound | Acceptable | Strong | — | $2,761 | +0.348% | 13,399 | |
31 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | — | $2,588 | +0.279% | 12,743 | |
32 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | — | $2,801 | +0.380% | 11,165 | |
33 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | — | $2,206 | +0.608% | 9,656 | |
34 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | — | $2,906 | +0.435% | 9,356 | |
35 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | — | $3,519 | +0.812% | 9,354 | |
36 | OCMBC, INC. | Sound | Acceptable | Strong | — | $3,899 | +0.665% | 8,372 | |
37 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | — | $3,577 | +0.263% | 7,145 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | — | $3,182 | +0.556% | 37,119 | |
39 | NEWREZ LLC | Sound | Acceptable | Sound | — | $2,479 | +0.382% | 32,880 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | — | $4,289 | +0.552% | 17,767 | |
41 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | — | $4,249 | +0.678% | 13,110 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | — | $4,326 | +0.441% | 8,697 | |
43 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | — | $4,134 | +0.531% | 8,466 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | — | $3,961 | +0.505% | 8,262 | |
45 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | — | $4,167 | +0.581% | 7,561 |
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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