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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 VA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,187 | +0.067% | 521 | |
2 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,591 | +0.190% | 312 | |
3 | Eagle Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $3,142 | +0.296% | 272 | |
4 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,343 | +0.086% | 241 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,366 | -0.420% | 191 | |
6 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,324 | +0.096% | 402 | |
7 | Patriot Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,296 | -0.027% | 399 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,847 | +0.296% | 363 | |
9 | Trustmark National Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,143 | +0.219% | 335 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,184 | +0.276% | 191 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,152 | -0.044% | 185 | |
12 | BARTLETT MORTGAGE, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,967 | +0.230% | 195 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,458 | +0.461% | 100 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,179 | +0.456% | 95 | |
15 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,272 | +0.495% | 85 | |
16 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $128 | +0.693% | 40 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,241 | +0.380% | 1,095 | |
18 | Cadence Bank | Strong | Sound | Strong | Strong | Exceptional | $2,250 | +0.001% | 421 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,851 | +0.410% | 130 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,836 | +0.419% | 97 | |
21 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,635 | -0.109% | 53 | |
22 | COMMUNITY MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,263 | +0.210% | 1,062 | |
23 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $2,288 | +0.220% | 181 | |
24 | Leaders Credit Union | Strong | Sound | Strong | Strong | Strong | $800 | +0.124% | 152 | |
25 | Bank of England | Strong | Sound | Strong | Strong | Strong | $2,655 | +0.213% | 104 | |
26 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,625 | +0.632% | 81 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $2,303 | +0.582% | 62 | |
28 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $2,939 | +0.368% | 52 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $310 | +0.850% | 319 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,401 | +0.627% | 274 | |
31 | Regions Bank | Strong | Sound | Strong | Sound | Strong | $1,957 | +0.462% | 240 | |
32 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,729 | +0.525% | 141 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,145 | +0.478% | 100 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,672 | -0.246% | 82 | |
35 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,700 | +0.553% | 184 | |
36 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,504 | +0.721% | 75 | |
37 | SOUTHWEST FUNDING, LP | Strong | Acceptable | Strong | Strong | Strong | $4,947 | +0.911% | 66 | |
38 | Wolfe Financial, Inc | Strong | Acceptable | Strong | Strong | Strong | $4,199 | +0.430% | 58 | |
39 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,359 | +0.712% | 97 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,501 | +0.528% | 64 | |
41 | ACOPIA, LLC | Strong | Acceptable | Strong | Strong | Sound | $4,404 | +0.166% | 44 | |
42 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $3,077 | +0.345% | 28 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,397 | +0.599% | 135 | |
44 | Independent Bank | Sound | Acceptable | — | Sound | Strong | $2,320 | +0.386% | 110 | |
45 | AMERISAVE MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $5,619 | +0.392% | 43 | |
46 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,393 | +1.417% | 44 | |
47 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Sound | $3,381 | +0.575% | 28 |
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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