San Ramon, CA — June 23, 2026 — Experience.com, the industry leader in mortgage reputation and visibility management and customer experience (CX) software, has officially announced this year’s list of Top Performers for 2025. The annual benchmark report recognizes the nation’s standout mortgage companies and the Top 1% individual loan officers (LOs) who are setting the standard for customer satisfaction and service excellence.
Now in its 11th year, the prestigious mortgage industry award is powered by millions of verified customer interactions and real-time transaction data. Rather than relying solely on loan volume or loan dollar amounts, rankings are determined using a proprietary algorithm that factors in end-to-end customer satisfaction. By balancing the volume of verified mortgage reviews, survey completion rates, and average star ratings, the system highlights professionals who deliver exceptional service at scale.
“In a fluctuating mortgage market where interest rates and pricing dominate conversations, customer experience remains the ultimate competitive differentiator,” said Scott Harris, CEO of Experience.com. “This year’s Top Performers defied the odds. Our data reveals that the highest-ranking companies weren’t simply those blasting out the most automated review requests; instead, they were actually the ones successfully engaging their clients to build transparent, high-trust relationships.“
Mortgage Industry Data Insights: The Anatomy of a Top Performer
The results for 2025 revealed razor-thin margins between the industry’s elite mortgage lenders, emphasizing how crucial single customer interactions are to overall corporate reputation.
- The Chasm Between Winners and Runners-Up: While making the Top 10 is a massive accomplishment, the scoring gap between the #1 spot and the #2 spot across three of the divisions was decisive, widening at 4.75% to 6.79%
- The Tighter 3.17% Division Race: One division featured a historically tight race determined by a mere 3.17% overall gap. The top two companies had nearly identical survey send volumes (a 0.04% difference) and completion rates within 1.5% of each other. The ultimate tiebreaker came down to the satisfaction score itself, separated by a microscopic 0.02 points out of 5.00.
- The National Race for #1 Overall Lender: The closest race of the year took place between two separate division winners. The ultimate difference between Lender X and Lender Y was a minuscule 0.26%. If Lender Y had collected just two additional reviews across their entire enterprise during 2025, they would have claimed the #1 overall crown.
How close is close? In the Jumbo division, if just 1 out of every 4 loan officers at the #11 ranked company had received a single additional 5-star review, they would be in the Top 10 today. In the Large division, the #11 company missed the Top 10 by a mere 16 reviews.
Mortgage Lender Performance Metrics in 2025 by Division
Participating mortgage companies were categorized into four corporate divisions based on the volume of customer surveys sent in 2025. Across the board, survey completion rates proved to be a critical differentiator—ranging from a low of 58% to an outstanding high of 78% among the #1 ranked lenders.
Best Mortgage Companies: 2025 Division Winners and Honorees
Highlighting the structural diversity of the modern lending market, the Top 3 overall lenders represent three entirely different volume divisions. While 31 corporate entities achieved representation within the elite Top 100 Loan Officers list, over half of those Top 100 spots were claimed by just four powerhouse organizations: Flat Branch Home Loans, Silverton Mortgage, Fairway Independent Mortgage Corporation, and First Continental Mortgage.
The Division Winners and corporate honorees (listed alphabetically within their tiers following the #1 spot) of 2025 include:
Super Jumbo Division (Top Mortgage Lenders)
#1 Winner: Movement Mortgage
- Top 10: AmeriSave Mortgage Corporation, AnnieMac Home Mortgage, CrossCountry Mortgage LLC, Fairway Home Mortgage, Guild Mortgage, New American Funding, Prosperity Home Mortgage
Jumbo Division (Top Mortgage Lenders)
#1 Winner: Flat Branch Home Loans
- Top 10: GoodLeap, Highlands Residential Mortgage, Ltd., NFM Lending, Northpointe Bank, Ruoff Mortgage, Silverton Mortgage, Synergy One Lending, Inc., TowneBank Mortgage, West Capital Lending
Large Division (Top Mortgage Lenders)
#1 Winner: Assurance Financial
- Top 10: Embrace Home Loans, Evergreen Home Loans, First Continental Mortgage, Golden Empire Mortgage, Inc., HMA Mortgage, Homestead Funding Corp., Nations Lending, The Mortgage Firm, Waterstone Mortgage
Medium Division (Top Mortgage Lenders)
#1 Winner: Mortgage Financial Services
- Top 10: First Alliance Home Mortgage, First Federal Bank, GMFS Mortgage, Hometrust Mortgage Company, Mortgage300, National Exchange Bank & Trust, Neighborhood Loans, NewFed Mortgage, Steadfast Mortgage
Small Division (Top Mortgage Lenders)
#1 Winner: Loankea
- Top 10: Anderson Financial Group, Griffin Funding, Local Bank, Mortgage Financial Group, Inc., Pinnacle Bank, PriorityOne Bank, West Way Lending, Western Ohio Mortgage Corporation, Westerra Credit Union
Top 10 Loan Officers in the United States in 2025
The individual Top 1% Loan Officer list saw shifting dynamics this year, leveling out to a perfect 50/50 gender split among the Top 10 elite (down from last year’s historic 8 out of 10 women). Seven of this year’s Top 10 are first-time honorees, while three managed to repeat their stellar performance.
The #1 National Champion:
- Jennifer Ballheimer – Mortgage Financial Services (#1 Overall Champion)
Top 10 Performers (Alphabetical by Last Name):
- Lindsey Atkins – Movement Mortgage
- Frank Brandt – Planet Home Lending, LLC
- Sharla Ellis and Team – Fairway Home Mortgage
- Jodie Hendrickson – Mortgage300
- Ben Kelley – West Capital Lending
- Amy Luebbering – Flat Branch Home Loans
- Larry Mitchell – Silverton Mortgage
- Will Mullinix – Mullinix Mortgage Group / Atlantic Bay Mortgage Group
- Jason Thomas – First Continental Mortgage
Showcase of Organizational Excellence
While Fairway Independent Mortgage led the country in total volume with 80 loan officers making the Top 1%, Flat Branch Home Loans demonstrated historic organizational depth. Out of 118 Flat Branch loan officers who had at least one completed customer survey in 2025, an astonishing 35% (42 LOs) made the Top 1%, and 20% cracked the elite Top 100. In total, just 13 companies across the country comprised 60% of the entire Top 500 list, highlighting the power of a unified corporate culture focused on customer experience.
About Experience.com
Great experiences build trust. Poor ones break it.
Experience.com helps businesses and professionals get discovered, chosen, and trusted in the moments that matter most.
Our platform powers online reputation, local visibility, and real-time feedback to help organizations grow through better experiences, across every customer, partner, and employee interaction.
From individuals building their personal brand to enterprises managing global operations, Experience.com turns everyday interactions into measurable business growth.
See the Full Rankings
To explore the complete list of Top Performers of 2025 and discover how the nation’s best mortgage originators use real-time feedback to drive local search visibility and business growth
Frequently Asked Questions
What is Experience.com’s Top Performers event? Experience.com’s Top Performers is a prestigious annual recognition program that honors outstanding performers in the mortgage and real estate industries based on verified customer satisfaction. Serving as the definitive mortgage industry benchmark for measuring customer experience (CX), the Top Performers list has been synonymous with mortgage lending excellence since its inception in 2015.
How are the Top Performers decided? Winners are determined through a comprehensive evaluation process via the Experience Management Platform. The platform links directly to each company’s internal transaction data to ensure complete data integrity. A proprietary algorithm then calculates rankings based on survey completion rates, the total number of reviews, and average star ratings submitted exclusively by verified customers.
How many categories are featured in the rankings? The rankings recognize structural excellence across multiple industry segments. For Top Mortgage Companies, lenders compete across specific volume divisions: Small, Medium, Large, Jumbo, and Super Jumbo. Additionally, an individual category celebrates the Top Loan Officers nationwide, ensuring fair competition across different sectors of the mortgage market.
How can a lender or loan officer become a Top Performer next year? To qualify for future Top Performer status, businesses and originators must actively prioritize customer satisfaction by delivering fast, personalized service and proactively capturing feedback. By leveraging Experience.com’s Experience Management Platform, modern lenders strengthen customer experience, build trusted online reputations, improve search visibility, and increase discoverability across search engines and AI-powered recommendations.
What are the business benefits of ranking as a Top Performer? Earning a spot on the list establishes companies and individual LOs as verified leaders in customer satisfaction, driving immediate trust and market credibility. This elite status serves as a powerful marketing asset that increases local search visibility, attracts referrals and new business opportunities, helps scale retention, opens up new corporate partnerships, and provides access to exclusive industry networking opportunities.
Why am I not included on the list despite being ranked #1 on my specific company’s internal leaderboards? While leading an individual company leaderboard is a phenomenal achievement, the national Top Performers pool evaluates over 50,000 competing loan officers simultaneously. Because the baseline standards of excellence are so high, the final national scores are incredibly close—often separated by mere fractions of a percent. Even top internal producers are balanced against an elite national field using a standardized algorithm to guarantee absolute equity.
Why are the top honorees arranged in alphabetical order rather than strict numerical rank? Because the statistical difference between these elite professionals often comes down to minute fractions of a percentage point, Experience.com presents the Top lists alphabetically. Every professional who breaches these highly competitive tiers has achieved an extraordinary milestone, and alphabetical presentation guarantees equal, unbiased visibility for their massive operational accomplishments.
