# Best Mortgage Lenders in Auburn

**As of:** 2026-05-22

Compare the top mortgage lenders in Auburn. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/auburn/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 45
- **Total Loans:** 2,212
- **Median Rate Spread:** 0.22677272727272726%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 140 | Independent Mortgage Company |
| 2 | Trustmark National Bank | 84 | 50 | 85 | 140 | Bank |
| 3 | PENNYMAC LOAN SERVICES, LLC | 78 | 56 | 63 | 102 | Independent Mortgage Company |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 51 | 82 | 53 | Independent Mortgage Company |
| 5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 35 | Independent Mortgage Company |
| 6 | ServisFirst Bank | 78 | 54 | 82 | 33 | Bank |
| 7 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 292 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 173 | Independent Mortgage Company |
| 9 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 128 | Independent Mortgage Company |
| 10 | Renasant Bank | 74 | 38 | 81 | 98 | Bank |
| 11 | SouthState Bank, National Association | 73 | 49 | 73 | 37 | Bank |
| 12 | Synovus Bank | 73 | 56 | 65 | 31 | Bank |
| 13 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 29 | Credit Union |
| 14 | CANOPY MORTGAGE, LLC | 68 | 21 | 70 | 160 | Independent Mortgage Company |
| 15 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 45 | Independent Mortgage Company |
| 16 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 26 | Independent Mortgage Company |
| 17 | Mortgage Research Center, LLC | 63 | 34 | 70 | 93 | Independent Mortgage Company |
| 18 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 72 | Independent Mortgage Company |
| 19 | EMM LOANS LLC | 63 | 31 | 77 | 56 | Independent Mortgage Company |
| 20 | Filo Mortgage, L.L.C. | 63 | 79 | 36 | 47 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 23 | Independent Mortgage Company |
| 22 | Flagstar Bank, N.A. | 58 | 40 | 76 | 20 | Bank |
| 23 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 24 | Independent Mortgage Company |
| 24 | NEWREZ LLC | 52 | 35 | 59 | 23 | Independent Mortgage Company |
| 25 | River Bank & Trust | 42 | 10 | 45 | 20 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Auburn.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.