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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 Conventional Mortgage Company Lenders in Memphis
Updated February 5, 2026
Market Overview
43
Total Lenders
12,587
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,200 | +0.002% | 68 | |
2 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,263 | +0.210% | 1,062 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,241 | +0.380% | 1,095 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,187 | +0.067% | 521 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,851 | +0.410% | 130 | |
6 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,836 | +0.419% | 97 | |
7 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,591 | +0.190% | 312 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,152 | -0.044% | 185 | |
9 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,700 | +0.553% | 184 | |
10 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,847 | +0.296% | 363 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,401 | +0.627% | 274 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,184 | +0.276% | 191 | |
13 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,729 | +0.525% | 141 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,458 | +0.461% | 100 | |
15 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,145 | +0.478% | 100 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,179 | +0.456% | 95 | |
17 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,272 | +0.495% | 85 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,672 | -0.246% | 82 | |
19 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,625 | +0.632% | 81 | |
20 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,021 | +0.539% | 72 | |
21 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,264 | +0.131% | 68 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,397 | +0.599% | 135 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,303 | +0.582% | 62 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,137 | +0.352% | 42 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $4,263 | +0.581% | 42 | |
26 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $128 | +0.693% | 40 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,477 | +0.498% | 31 | |
28 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,653 | +0.662% | 31 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $310 | +0.850% | 319 | |
30 | BARTLETT MORTGAGE, INC. | Strong | Acceptable | Sound | Sound | Exceptional | $1,967 | +0.230% | 195 | |
31 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,359 | +0.712% | 97 | |
32 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,939 | +0.368% | 52 | |
33 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,932 | +0.629% | 47 | |
34 | ACOPIA, LLC | Sound | Acceptable | Strong | Sound | Sound | $4,404 | +0.166% | 44 | |
35 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $3,077 | +0.345% | 28 | |
36 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $5,975 | +0.312% | 27 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,501 | +0.528% | 64 | |
38 | Wolfe Financial, Inc | Sound | Mediocre | Strong | Sound | Strong | $4,199 | +0.430% | 58 | |
39 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $2,316 | +1.632% | 31 | |
40 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Sound | Sound | Strong | $4,947 | +0.911% | 66 | |
41 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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Memphis, TNConventional
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