Top Mortgage Lenders in the U.S.: A Comprehensive Ranking
When it comes to securing a mortgage, choosing the right lender is crucial. Whether you're a first-time homebuyer or looking to refinance, working with a reputable and experienced mortgage company can make all the difference. The mortgage industry is highly competitive, with numerous lenders offering different loan products and services. In this article, we present a detailed ranking of the top mortgage lenders in the U.S. based on their years in business and headquarters location.
Understanding Mortgage Lenders
Mortgage lenders play a pivotal role in the homebuying process. They provide the necessary financing to help individuals and families purchase homes. Some lenders specialize in conventional loans, while others offer government-backed loans such as FHA, VA, and USDA loans. The choice of lender can impact loan terms, interest rates, and customer service experience.
Factors to Consider When Choosing a Mortgage Lender
Before selecting a mortgage lender, it's essential to consider several factors, including:
- Interest Rates and Fees: Competitive interest rates can significantly impact the overall cost of a mortgage.
- Loan Products: Lenders offer various loan types, including fixed-rate, adjustable-rate, and jumbo loans.
- Customer Service: A responsive and supportive lender can make the mortgage process smoother.
- Reputation and Experience: Companies with decades of experience often have proven track records of reliability.
- Application Process: A seamless online or in-person application experience is a plus.
Top 75 Mortgage Lenders in the U.S.
Below is a comprehensive ranking of the top mortgage lenders in the country. The list includes company names, headquarters, and years in business.
| Rank | Company Name | Headquarters | Years in Business |
|---|---|---|---|
|
1 |
United Wholesale Mortgage |
Pontiac, MI |
38 |
|
2 |
Pennymac |
Westlake Village, CA |
16 |
|
3 |
AmeriHome Mortgage Co. |
Thousand Oaks, CA |
11 |
|
4 |
Newrez |
Fort Washington, PA |
7 |
|
5 |
CrossCountry Mortgage |
Cleveland, OH |
21 |
|
6 |
Fairway Independent Mortgage Corp. |
Madison, WI |
28 |
|
7 |
Planet Home Lending LLC |
Meriden, CT |
12 |
|
8 |
loanDepot |
Irvine, CA |
14 |
|
9 |
Guaranteed Rate |
Chicago, IL |
24 |
|
10 |
CMG Financial |
San Ramon, CA |
31 |
|
11 |
Movement Mortgage LLC |
Indian Land, SC |
15 |
|
12 |
Guild Mortgage Co. |
San Diego, CA |
63 |
|
13 |
New American Funding |
Tustin, CA |
20 |
|
14 |
American Pacific Mortgage |
Roseville, CA |
28 |
|
15 |
Paramount Residential Mortgage Group |
Corona, CA |
23 |
|
16 |
PrimeLending, a PlainsCapital Company |
Dallas, TX |
37 |
|
17 |
Cornerstone Home Lending |
Houston, TX |
36 |
|
18 |
FBC Mortgage LLC |
Orlando, FL |
19 |
|
19 |
Plaza Home Mortgage |
San Diego, CA |
24 |
|
20 |
Guaranteed Rate Affinity |
Chicago, IL |
7 |
|
21 |
NFM Lending |
Linthicum, MD |
26 |
|
22 |
Supreme Lending |
Dallas, TX |
25 |
|
23 |
American Financial Network Inc. |
Brea, CA |
21 |
|
24 |
Bay Equity Home Loans |
Corte Madera, CA |
17 |
|
25 |
Mutual of Omaha Mortgage Inc. |
San Diego, CA |
11 |
|
26 |
OCMBC Inc. dba LOANStream Mortgage |
Irvine, CA |
20 |
|
27 |
Kind Lending LLC |
Santa Ana, CA |
4 |
|
28 |
KBHS Home Loans |
Irving, TX |
8 |
|
29 |
Northpointe Bank |
Grand Rapids, MI |
25 |
|
30 |
Atlantic Bay Mortgage Group |
Virginia Beach, VA |
27 |
|
31 |
Primary Residential Mortgage Inc. |
Salt Lake City, UT |
25 |
|
32 |
Better Mortgage |
New York, NY |
10 |
|
33 |
NexBank |
Dallas, TX |
102 |
|
34 |
Luminate Home Loans |
Minneapolis, MN |
3 |
|
35 |
V.I.P Mortgage Inc. |
Scottsdale, AZ |
17 |
|
36 |
AnnieMac Home Mortgage |
Mount Laurel Township, NJ |
14 |
|
37 |
First United Mortgage |
Plano, TX |
124 |
|
38 |
Wintrust Mortgage |
Rosemont, IL |
45 |
|
39 |
A&D Mortgage LLC |
Hollywood, FL |
18 |
|
40 |
SWBC Mortgage Corp. |
San Antonio, TX |
35 |
|
41 |
First Home Mortgage |
Baltimore, MD |
33 |
|
42 |
TowneBank Mortgage |
Norfolk, VA |
25 |
|
43 |
Summit Funding Inc. |
Sacramento, CA |
29 |
|
44 |
Nations Lending Corp. |
Independence, OH |
21 |
|
45 |
Highlands Residential Mortgage |
Allen, TX |
14 |
|
46 |
USA Mortgage / DAS Acquisition |
St. Louis, MO |
23 |
|
47 |
Ruoff Mortgage |
Fort Wayne, IN |
40 |
|
48 |
Neighborhood Loans Inc. |
Downers Grove, IL |
18 |
|
49 |
First Heritage Mortgage LLC |
Fairfax, VA |
27 |
|
50 |
Revolution Mortgage |
Westerville, OH |
5 |
|
51 |
Leader Bank N.A. |
Arlington, MA |
21 |
|
52 |
Atlantic Coast Mortgage LLC |
Fairfax, VA |
13 |
|
53 |
NJ Lenders Corp. |
Little Falls, NJ |
33 |
|
54 |
LeaderOne Financial Corp. |
Overland Park, KS |
32 |
|
55 |
Geneva Financial |
Chandler, AZ |
16 |
|
56 |
Arc Home LLC |
Moorestown, NJ |
9 |
|
57 |
Homeowners Financial Group USA LLC |
Scottsdale, AZ |
20 |
|
58 |
Orion Lending |
Orange, CA |
10 |
|
59 |
OriginPoint |
Chicago, IL |
3 |
|
60 |
GMFS Mortgage LLC |
Baton Rouge, LA |
25 |
|
61 |
RCN Capital |
South Windsor, CT |
14 |
|
62 |
FirstBank Mortgage |
Franklin, TN |
118 |
|
63 |
First National Bank of America |
East Lansing, MI |
69 |
|
64 |
Canopy Mortgage LLC |
Lindon, UT |
9 |
|
65 |
Premier Mortgage Resources |
Meridian, ID |
19 |
|
66 |
Absolute Home Mortgage Corp. |
Fairfield, NJ |
26 |
|
67 |
Axia Home Loans |
Bellevue, WA |
17 |
|
68 |
VanDyk Mortgage Corp. |
Grand Rapids, MI |
37 |
|
69 |
Network Funding LP |
Houston, TX |
26 |
|
70 |
InterLinc Mortgage |
Houston, TX |
17 |
|
71 |
Eustis Mortgage Corp. |
New Orleans, LA |
68 |
|
72 |
Premia Mortgage |
Troy, MI |
15 |
|
73 |
Optimum First Mortgage |
Huntington Beach, CA |
15 |
|
74 |
Vellum Mortgage |
Fairfax, VA |
6 |
|
75 |
Citywide Home Loans |
Sandy, UT |
25 |
Conclusion
Choosing the right mortgage lender is an essential step in the homebuying journey. The lenders listed above have established themselves as industry leaders, offering a range of mortgage products and services to meet various needs. Whether you prioritize experience, customer service, or competitive rates, this ranking provides a solid starting point for your mortgage search.
If you’re in the market for a new home loan or refinancing, take the time to research and compare lenders to find the best fit for your financial goals. Happy home buying!
For personalized mortgage advice, reach out to one of the top brokers in your state today!
Disclaimer: This article is for informational purposes only. The details provided, including rankings, company information, and years in business, are subject to change over time. Readers should not rely on this content for making financial decisions and are encouraged to verify details with official sources before proceeding.