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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 Company Lenders in Memphis
Updated February 5, 2026
Market Overview
45
Total Lenders
7,838
Total Loans
0.44%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $3,263 | +0.210% | 1,062 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,187 | +0.067% | 521 | |
3 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Exceptional | $2,591 | +0.190% | 312 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,200 | +0.002% | 68 | |
5 | BARTLETT MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | $1,967 | +0.230% | 195 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,241 | +0.380% | 1,095 | |
7 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,847 | +0.296% | 363 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,184 | +0.276% | 191 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,152 | -0.044% | 185 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,851 | +0.410% | 130 | |
11 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,700 | +0.553% | 184 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,458 | +0.461% | 100 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,836 | +0.419% | 97 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $4,179 | +0.456% | 95 | |
15 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,272 | +0.495% | 85 | |
16 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,672 | -0.246% | 82 | |
17 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $4,625 | +0.632% | 81 | |
18 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,021 | +0.539% | 72 | |
19 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,264 | +0.131% | 68 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $310 | +0.850% | 319 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,401 | +0.627% | 274 | |
22 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $4,729 | +0.525% | 141 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,145 | +0.478% | 100 | |
24 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,504 | +0.721% | 75 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $3,137 | +0.352% | 42 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $4,263 | +0.581% | 42 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $3,477 | +0.498% | 31 | |
28 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,397 | +0.599% | 135 | |
29 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $5,359 | +0.712% | 97 | |
30 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,303 | +0.582% | 62 | |
31 | MORTGAGE FINANCIAL SERVICES, LLC | Sound | Acceptable | Strong | Sound | $3,932 | +0.629% | 47 | |
32 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $128 | +0.693% | 40 | |
33 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $2,653 | +0.662% | 31 | |
34 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Strong | Strong | $4,947 | +0.911% | 66 | |
35 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,501 | +0.528% | 64 | |
36 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,939 | +0.368% | 52 | |
37 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Sound | $3,077 | +0.345% | 28 | |
38 | Wolfe Financial, Inc | Sound | Mediocre | Sound | Strong | $4,199 | +0.430% | 58 | |
39 | ACOPIA, LLC | Sound | Mediocre | Strong | Sound | $4,404 | +0.166% | 44 | |
40 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | $2,316 | +1.632% | 31 | |
41 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Sound | $5,975 | +0.312% | 27 | |
42 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $5,393 | +1.417% | 44 | |
43 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $5,619 | +0.392% | 43 |
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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