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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 United States
Updated February 6, 2026
Market Overview
45
Total Lenders
3,560,099
Total Loans
0.20%
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 | — | $1,206 | -0.101% | 12,582 | |
2 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | — | $1,570 | +0.401% | 13,335 | |
3 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | — | $2,582 | +0.136% | 57,340 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | — | $2,079 | +0.294% | 14,849 | |
5 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | — | $2,029 | +0.181% | 11,542 | |
6 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | — | $2,801 | +0.380% | 11,165 | |
7 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | — | $2,852 | +0.180% | 9,468 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | — | $3,102 | +0.063% | 7,432 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | — | $2,828 | +0.185% | 285,901 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | — | $3,881 | +0.334% | 266,411 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | — | $1,952 | +0.038% | 35,887 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | — | $3,549 | +0.497% | 86,295 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | — | $3,254 | +0.445% | 61,160 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | — | $3,553 | +0.387% | 58,550 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,477 | +0.229% | 51,353 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,921 | +0.343% | 51,046 | |
17 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,940 | +0.289% | 46,733 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | — | $2,402 | +0.164% | 37,313 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | — | $2,996 | +0.562% | 23,240 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | — | $3,487 | +0.386% | 21,352 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | — | $3,445 | +0.321% | 21,082 | |
22 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,384 | +0.287% | 18,786 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | — | $3,279 | +0.479% | 17,073 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,398 | +0.284% | 16,835 | |
25 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,834 | +0.450% | 15,793 | |
26 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,761 | +0.348% | 13,399 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | — | $3,469 | +0.467% | 11,689 | |
28 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,818 | +0.429% | 9,840 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,206 | +0.608% | 9,656 | |
30 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | — | $4,134 | +0.531% | 8,466 | |
31 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,766 | +0.587% | 7,507 | |
32 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | — | $3,577 | +0.263% | 7,145 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | — | $3,182 | +0.556% | 37,119 | |
34 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | — | $2,479 | +0.382% | 32,880 | |
35 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | — | $2,588 | +0.279% | 12,743 | |
36 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | — | $1,956 | +0.540% | 60,588 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | — | $4,289 | +0.552% | 17,767 | |
38 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | — | $3,705 | +0.346% | 16,100 | |
39 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | — | $4,249 | +0.678% | 13,110 | |
40 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | — | $2,906 | +0.435% | 9,356 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | — | $3,961 | +0.505% | 8,262 | |
42 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | — | $4,167 | +0.581% | 7,561 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | — | $4,326 | +0.441% | 8,697 | |
44 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | — | $3,899 | +0.665% | 8,372 | |
45 | Equity Prime Mortgage LLC | Sound | Mediocre | Sound | Acceptable | — | $3,519 | +0.812% | 9,354 |
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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