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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Memphis
Updated February 5, 2026
Market Overview
127
Total Lenders
12,587
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Patriot Bank | Exceptional | Exceptional | Strong | Exceptional | $1,296 | -0.027% | 399 | |
2 | Orion Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | $490 | -0.150% | 156 | |
3 | Pinnacle Bank | Exceptional | Strong | Strong | Exceptional | $2,324 | +0.096% | 402 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,366 | -0.420% | 191 | |
5 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $3,263 | +0.210% | 1,062 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,187 | +0.067% | 521 | |
7 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $2,143 | +0.219% | 335 | |
8 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Exceptional | $2,591 | +0.190% | 312 | |
9 | Eagle Bank and Trust Company | Strong | Sound | Exceptional | Exceptional | $3,142 | +0.296% | 272 | |
10 | Financial Federal Bank | Strong | Strong | Strong | Strong | $661 | -0.088% | 121 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,610 | -0.007% | 77 | |
12 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,200 | +0.002% | 68 | |
13 | Cadence Bank | Strong | Sound | Strong | Exceptional | $2,250 | +0.001% | 421 | |
14 | BARTLETT MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | $1,967 | +0.230% | 195 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,263 | +0.050% | 84 | |
16 | Truist Bank | Strong | Strong | Strong | Sound | $2,324 | +0.218% | 61 | |
17 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $847 | +0.251% | 48 | |
18 | BankPlus | Strong | Strong | Strong | Sound | $1,230 | +0.171% | 41 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,241 | +0.380% | 1,095 | |
20 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,847 | +0.296% | 363 | |
21 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,343 | +0.086% | 241 | |
22 | Regions Bank | Strong | Sound | Strong | Strong | $1,957 | +0.462% | 240 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,244 | +0.021% | 199 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,184 | +0.276% | 191 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,152 | -0.044% | 185 | |
26 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | $2,288 | +0.220% | 181 | |
27 | Leaders Credit Union | Strong | Sound | Strong | Strong | $800 | +0.124% | 152 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,851 | +0.410% | 130 | |
29 | Simmons Bank | Strong | Sound | Strong | Strong | $1,504 | +0.723% | 107 | |
30 | FirstBank | Strong | Sound | Exceptional | Sound | $1,681 | +0.534% | 52 | |
31 | First Citizens National Bank | Strong | Strong | Sound | Sound | $829 | -0.319% | 36 | |
32 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,320 | +0.300% | 200 | |
33 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,700 | +0.553% | 184 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,458 | +0.461% | 100 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,836 | +0.419% | 97 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $4,179 | +0.456% | 95 | |
37 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,272 | +0.495% | 85 | |
38 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,672 | -0.246% | 82 | |
39 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $4,625 | +0.632% | 81 | |
40 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,021 | +0.539% | 72 | |
41 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,264 | +0.131% | 68 | |
42 | Community Bank of Mississippi | Strong | Acceptable | Exceptional | Strong | $2,131 | +0.265% | 57 | |
43 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $310 | +0.850% | 319 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,401 | +0.627% | 274 | |
45 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $4,729 | +0.525% | 141 | |
46 | Bank of England | Strong | Acceptable | Strong | Strong | $2,655 | +0.213% | 104 | |
47 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,145 | +0.478% | 100 | |
48 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,504 | +0.721% | 75 | |
49 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $3,137 | +0.352% | 42 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $4,263 | +0.581% | 42 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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