Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$217Fees	0.430%Below	29
2	Trustmark National BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,046Fees	0.211%Above	140
3	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,770Fees	0.233%Above	19
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,760Fees	0.356%Above	173
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,670Fees	0.085%Above	140
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Exceptional	$2,051Fees	0.008%Below	102
7	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,504Fees	0.103%Above	53
8	Filo Mortgage, L.L.C.Independent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$2,082Fees	0.159%Above	47
9	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,300Fees	0.455%Above	37
10	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,366Fees	0.007%Below	35
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,971Fees	0.152%Above	15
12	Stifel Bank and TrustBank	Strong	Strong	Strong	Strong	Sound	$465Fees	0.007%Above	11
13	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,268Fees	0.179%Above	292
14	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,385Fees	0.196%Above	128
15	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,324Fees	0.202%Above	98
16	ServisFirst BankBank	Strong	Sound	Strong	Strong	Strong	$1,475Fees	0.209%Above	33
17	Synovus BankBank	Strong	Sound	Strong	Strong	Strong	$2,880Fees	0.195%Above	31
18	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,809Fees	0.174%Above	19
19	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,074Fees	0.066%Above	16
20	Cadence BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,277Fees	0.072%Above	13
21	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,059Fees	0.261%Above	12
22	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$4,711Fees	0.241%Above	160
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,045Fees	0.434%Above	72
24	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,485Fees	0.344%Above	56
25	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,673Fees	0.384%Above	45
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,057Fees	0.391%Above	23
27	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,896Fees	0.421%Above	20
28	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,207Fees	0.572%Above	18
29	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,340Fees	0.349%Above	16
30	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,734Fees	0.517%Above	15
31	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,922Fees	0.572%Above	24
32	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,476Fees	0.339%Above	23
33	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,112Fees	0.553%Above	18
34	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,558Fees	0.154%Below	18
35	MAX Credit UnionCredit Union	Strong	Acceptable	Sound	Exceptional	Sound	$2,827Fees	0.010%Below	16
36	River Bank & TrustBank	Sound	Mediocre	Sound	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.