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