2025 Best Mortgage Companies to Work For

2025 Mid-Sized Mortgage Companies to Work For

ByBrad Finkelstein, Bonnie Sinnock, Andrew Martinez, Spencer Lee, Maria Volkova

February 20, 2025 6:00 AM

In the mortgage industry, periods of high originations volumes make it easier to be an employer of choice. It's a special feat to remain such a thing when times are tougher.

The following 17 companies, which each have between 100 and 499 people on staff, were highly rated by employees for creating a great environment in which to work.

SEE THE FULL LIST: 2025's Best Mortgage Companies to Work for

This ranking is a partnership between National Mortgage News and the Best Companies Group, which conducts extensive employee surveys and reviews employer reports on benefits and policies. The employee survey covers eight topics: leadership and planning; corporate culture and communications; role satisfaction; work environment; relationship with supervisor; training, development and resources; pay and benefits; and overall engagement.

Once the survey data is analyzed, the companies get a score that decides their ranking. The overall score is calculated using the employee survey (weighed at 75%) and the employer questionnaire (25%). To qualify for consideration, organizations with 25 or more employees need a minimum response rate of 40% while companies with 25 or fewer employees need 80%.

The survey addressed several topics, including satisfaction that employees had with the management of the companies that employed them. The positive response rate to the statement, "I am willing to give extra effort to help this organization succeed" was 97% for lenders of all sizes that made the list. This was the same result as last year.

The overall engagement score came in at 94%, a 1 percentage point increase from the year prior, this score grew thanks to more companies scoring higher in categories of being recommended as a place to work and being recommended for its products and services.

Check out the winners in the mid-sized company category below.

2024 RCN Capital Ice Cream Party.

RCN Capital

Location: South Windsor, Connecticut
Number of employees: 164
Website:

www.rcncapital.com

RCN Capital is a nationwide private lender with locations in South Windsor, Connecticut; Charlotte, North Carolina, and Los Angeles. It produces a market conditions survey with CJ Patrick, and recently reopened its Charlotte office after completing an expansion.

The company has a free cafeteria, organizes monthly employee engagement events, charitable initiatives, and offers what it said are "ongoing opportunities to provide feedback, new ideas and insight to the executive team," according to its statement.

"It's important for our employees to feel like they are contributing in major ways to our organization and feel like they are able to grow both professionally and personally," RCN added.

Spring EQ staffers soak up some rays.

Spring EQ

Location: Conshohocken, Pennsylvania
Number of Employees: 471
Website:

https://mortgage.springeq.com

The company is a second-lien specialist, with delegated, non-delegated correspondent and wholesale operations. CEO Jerry Schiano identifies his firm as one of the pioneers of restarting the home equity marketplace when it was founded in 2016.

Perks include a committee that praises employees who follow the company's "Spring B's" ethics with $1,000 rewards. The company consistently recognizes hard work, and Schiano says it promoted almost 60 of its 500 employees last year. He also encourages a culture of empathy.

"There's nothing wrong with admitting a mistake and saying you're sorry," said Schiano. "If we have that as a culture with integrity, then you're going to make a lot of people happy."

The Loan Store

Location: Tucson, Arizona
Number of employees: 334
Website:

theloanstore.com

The Loan Store's competitive compensation and benefits aren't the only traits that make it an enviable workplace. Leadership at the near-fully remote workplace are accessible and transparent, and employees enjoy a less rigid structure compared to industry competitors, said Jason Lee, president of The Loan Store, in a statement. The company above all else champions its employees' autonomy.

"Unlike many companies in our industry, we avoid micromanagement and instead provide employees with the tools, training and support they need to succeed," he said. "This trust not only drives job satisfaction but also fosters innovation and accountability."

HMA Mortgage employees attend their spring realtor brunch & learn 2024.

HMA Mortgage

Location: Pittsburgh, Pennsylvania
Number of employees: 173
Website:

www.hmamortgage.com

National lender, HMA Mortgage prides itself on its relationship with partners, from Realtors to insurance providers, who drive business to the Pittsburgh-based company.

"As a 100% referral-based company, HMA Mortgage depends solely on reputation for providing professional, quality service and superior products," it says.

The company also works closely with partners from the pre-approval through closing process to assist borrowers by requesting services, such as appraisals and title commitments.

To keep team members happy, HMA offers flexible scheduling, and as profits increase, it intends to likewise add and enhance staff perks in 2025.

Newfi Lending staffers attend NAMB in Las Vegas.

Newfi Lending

Location: Emeryville, California
Number of employees: 225
Website: www.newfi.com

Newfi Lending is a national non-QM lender founded by mortgage industry veteran Steve Abreu that focuses primarily on wholesale lending, and also has funded loans through correspondent and retail channels.

Recent examples of new business initiatives that include new competitive pricing for higher-credit quality loans in its delegated correspondent unit, according to John Wise, executive vice president of sales.

The company works with a recruiting service on diversity initiatives and partners with the National Association of Minority Mortgage Bankers of America on both outreach and retention.

Apollo Global Management, a prominent asset management firm, has held a majority stake in Newfi since AGM's merger with the company's previous investor, Athene, in 2022. In January, Newfi also made a minority equity investment in Dunmor, a real-estate investment lender it had entered into a strategic agreement with earlier.

Team camaraderie at UNMB Corporate.

UNMB Home Loans

Location: Levittown, New York
Number of employees: 120
Website: www.unmb.com

"UNMB Home Loans Inc has been transforming lives for over 45 years, earning a stellar reputation with five-star ratings on Zillow and Google," the company said. "Our mission is to deliver exceptional home financing solutions and customer service rooted in honesty, ethics, and transparency—all while fostering warmth and empathy"

That is what drives client recommendations, as well as referral partners bringing them business.

That commitment leads "our employees to take pride in being part of our team, and our communities to value our positive impact," the company said

"As we continue to grow, including the launch of our new construction lending division, UNMB remains dedicated to empowering our team to thrive both professionally and personally — cementing our place among the best mortgage companies to work for."

Direct Mortgage Loans employees pose at the corporate office in Maryland.

Direct Mortgage Loans

Location: Hunt Valley, Maryland
Number of employees: 257
Website:

https://www.directmortgageloans.com

The highly ranked workplace at Direct Mortgage Loans builds on its strong culture from the moment it speaks with prospective employees.

"We really don't compromise on the attitude of the people we bring in," said Michael Naylor, co-founder and CEO of DML. "Everybody pushes everybody, everybody raises the bar."

The lender has a majority remote workforce and encourages constant communication. Regular meetings include a "next generation" chat, where younger loan officers talk about career growth; and master classes where staff share their expertise in matters inside and outside of the office. The lender also hosts a three-day DML Fest which focuses on entertainment, learning and charity work.

Taylor Morrison Home Funding staffers take part in the Charitable Giving Foundation Event.

Taylor Morrison Home Funding

Location: Maitland, Florida
Number of employees: 342
Website:

https://www.taylormorrisonhf.com

The financing arm of the homebuilding giant, Taylor Morrison Home Funding serves 21 markets across 12 states. Over 90% of the company's employees telecommute, and receive benefits such as five "wellness days" in addition to paid holidays and vacation.

Engagement with staff includes stay interviews, quarterly feedback sessions, and career pathing among other interactive programs. The lender also says it places a heavy emphasis on Diversity, Equity and Inclusion initiatives, such as its annual "Days of Understanding" with thought leaders.

"We value transparency and are incredibly proud of the high trust culture we have built," the company said in a statement.

Acopia Home Loans Regional VP Kent DePriest grabs an opportunity to celebrate his top producing Florida team, Chris and Mari, for their Circle of Excellence honor.

Acopia Home Loans

Headquarters: Goodlettsville, Tennessee
Number of employees: 129
Website:

www.acopiahomeloans.com

Retail lender Acopia Home Loans was founded in 2007 and serves 12 states, primarily in the Southeast.

Its owners come from a retail environment outside the mortgage industry, which has been key to maintaining a positive workplace for its employees.

"They kind of brought a fresh perspective from outside the industry into our company, and so they're huge cheerleaders of people," said Acopia President Joey Davidson.

Corporate employees of Homeowners Financial Group USA celebrate Halloween.

Homeowners Financial Group

Headquarters: Scottsdale, Arizona
Number of employees: 284
Website:

homeownersfg.com

Founded in 2004, Homeowners Financial Group operates 30 branches across the country. Offering annual awards for sales, operations, culture, and more, the firm also allows all employees to be eligible to go on an all-inclusive company trip with destinations including Hawaii, Mexico, the Bahamas, Las Vegas, and Lake Tahoe.

Staffers have been nicknamed "Homies" to show the family environment that company aims to foster. In the monthly newsletter there is a "Homie Highlight" written about an employee to promote personal and professional successes. Employees can give shout-outs to fellow Homies for companywide recognition on the company's community page.

The company has created a nationwide Culture Committee, which meets every month to come up with contests, employee engagement events, and ways that branches can make an impact in their local community through numerous charitable initiatives each year.

US Mortgage Corporation staffers participate in Habitat for Humanity.

US Mortgage Corporation

Headquarters: Melville, New York
Number of employees: 209
Website:

www.usmortgage.com

Founded in 1994 by Steven Milner, who still serves as CEO, retail lender US Mortgage is licensed in 49 states. The retail lender operates under a principle that happy employees with work-life balance leads to satisfied clients.

"We embrace flexibility," Milner said and added that he recognizes the value of checking in on expressing appreciation to employees personally.

"I send out a birthday card to every single employee. I send out an annual anniversary card with a gift card to every employee," he said.

Absolute Mortgage & Lending

Headquarters: Dallas, Texas
Number of employees: 201
Website: www.absoluteml.com

Absolute Mortgage & Lending, founded in 2011, is a Texan-based lender that since its inception has actively expanded its footprint. The shop is currently licensed to operate in over 30 states.

The shop prides itself in having a multilingual origination team in house, which can provide expertise to a greater array of borrowers. AML's website can be translated into Vietnamese and Spanish.

"We empower underserved communities, making homeownership and business ownership possible for those often overlooked by traditional lenders. Since our founding, we've broken down barriers with accessible financing solutions tailored to each client's unique needs," the lender said.

Absolute, a dba of AML Funding, LLC., offers a plethora of loan options including non-QM products, adjustable-rate mortgages and government loans. It also offers financial products such as commercial loans for businesses.

The Assurance Financial team went pink for Breast Cancer Awareness Month, standing together in solidarity and raising awareness.

Assurance Financial

Headquarters: Baton Rouge, Louisiana
Number of employees: 143
Website:

www.assurancemortgage.com

From monthly coffee trucks to office parties, Assurance prioritizes a work-life balance for its employees, with flexible scheduling and hybrid work options. Its commitment to a "people-forward" approach for both customers and staff earns praise from employees.

"By combining our personalized, boutique-style service with the robust resources and opportunities of a national powerhouse, Assurance Financial creates an environment where employees feel valued," a spokesperson said.

Founded in 2001, the Baton Rouge-based lender is also an active supporter of St. Jude Children's Research Hospital, holding regular fundraisers to support the hospital.

Van Dyk Mortgage Corp employees at President's Club.

VanDyk Mortgage

Location: Grand Rapids, Michigan
Number of employees: 271
Website:

www.vandykmortgage.com

The company, founded 38 years ago, originates mortgages in all but two states and also services its home loans. Employee benefits include peer-to-peer recognition programs, and annual all-inclusive weekend getaways for top performers. VanDyk supports inclusive hiring practices in partnering with minority recruitment firms, and promotes education with its "Iron Sharpens Iron" calls, where loan officers regularly gather to share insights and help each other grow.

"We commit to pay equity and provide clear career paths to ensure equal growth opportunities," the company said in a statement.

InterLinc Mortgage Staffers attend Family Foundation event.

InterLinc Mortgage

Location: Houston, Texas
Number of employees: 165
Website:

https://interlincmortgage.com

Interlinc's culture is rooted in recognition, mentorship and clear growth paths. That ethos was recognized by a recruit at the company's annual sales rally, who according to Senior Vice President James Durham called Interlinc "the best kept secret in the mortgage business."

The lender and servicer is led by Gene Thompson III, who obtained majority ownership of the company last year. The president and CEO since 2021 has led Interlinc to profitability in the past few years despite market turmoil, a run Durham attributes to disciplined management.

"Gene and I like to say, 'we're coiled up ready to strike the future, versus being curled up in a defensive position,'" said Durham.

CV3 staffers take a break in the day with a light workout.

CV3 Financial Services

Headquarters: El Segundo, California
Number of Employees: 216
Website: https://cv3financial.com

CV3 is both a newcomer to the Best Companies listing while at the same time, its management team has been a stalwart at the top of the listing at their predecessor company Civic Financial Services. William Tessar founded both companies.

Civic had been acquired by PacWest Bancorp in February 2021 but the new parent soon ran into financial difficulties and restructured the mortgage unit's management team in January 2023 before selling it to Roc360 in May of that year..

Tessar had CV3 up and running by September 2023, with many former Civic employees joining the new firm.

"I think it was the one moment in time, at least in all the years I've been in the space, where one event created a purpose and why for so many different people," Tessar said. Something very special was taken away by the upheaval.

"It was that purpose and why that allowed us to start day one with 155 of our past co-workers" without a loan in its pipeline when the doors opened at CV3, Tessar recalled. Yet the new company was able to continue what it had started in terms of culture at Civic, it was a carryover of what it had created.

CV3 is now at approximately 220 employees and all but a handful had worked with Tessar in the past.

"I think folks like to be around those you know, like and trust, and that goes a long way," Tessar said. "Everyone wants to get paid, but if you know, like and trust your co-workers, I think you're, you're willing to put a little bit more on the line every day."

Highlands Residential Mortgage staffers enjoy a bowling outing.

Highlands Residential Mortgage

Headquarters: Allen, Texas
Number of employees: 454
Website:

https://www.highlandsmortgage.com/

Headquartered in Allen, Texas, Highlands Residential Mortgage has been fostering employee engagement since it was founded in 2010. With company outings to concerts and sporting events, a number of in-office celebrations, incentive trips for top performers and its charitable work through its Highlands Gives Back program the company aims to keep its staff engaged and foster their professional development.

"In laying a foundation for future success, the company instilled a servant leadership mentality throughout and focused on adding quality people that possessed an attitude of it's not about me…it's about you!" a company statement read.

The lender formed the Highlands Hope Fund to help employees with disasters, family illnesses when in need of support with life situations.

Highlands also offers mentoring and job training, in addition to the Highlands High Five Recognition program in which employees can recognize one another or their staff and earn points towards gift cards.