Safe Rate Rankings

Best All Lender Mortgage Lenders in Auburn

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders45

Total Loans2,212

Median Rate Spread0.23%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,670Fees	0.085%Above	140
2	Trustmark National BankBank	Strong	Sound	Exceptional	Exceptional	$3,046Fees	0.211%Above	140
3	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$217Fees	0.430%Below	29
4	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,051Fees	0.008%Below	102
5	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,504Fees	0.103%Above	53
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,366Fees	0.007%Below	35
7	ServisFirst BankBank	Strong	Sound	Exceptional	Strong	$1,475Fees	0.209%Above	33
8	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,268Fees	0.179%Above	292
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,760Fees	0.356%Above	173
10	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,385Fees	0.196%Above	128
11	Renasant BankBank	Strong	Acceptable	Exceptional	Exceptional	$2,324Fees	0.202%Above	98
12	Filo Mortgage, L.L.C.Independent Mortgage Company	Strong	Strong	Acceptable	Strong	$2,082Fees	0.159%Above	47
13	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,300Fees	0.455%Above	37
14	Synovus BankBank	Strong	Sound	Strong	Strong	$2,880Fees	0.195%Above	31
15	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,711Fees	0.241%Above	160
16	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,673Fees	0.384%Above	45
17	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$4,097Fees	0.667%Above	26
18	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,073Fees	0.876%Above	93
19	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,045Fees	0.434%Above	72
20	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,485Fees	0.344%Above	56
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,057Fees	0.391%Above	23
22	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$1,896Fees	0.421%Above	20
23	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,922Fees	0.572%Above	24
24	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,476Fees	0.339%Above	23
25	River Bank & TrustBank	Sound	Mediocre	Sound	Sound	$3,428Fees	0.461%Above	20

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.