Safe Rate Rankings

Best All Lender Mortgage Lenders in Crestview

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders85

Total Loans5,034

Median Rate Spread0.11%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	$112Fees	0.424%Below	141
2	BankPlusBank	Exceptional	Strong	Strong	Exceptional	$2,218Fees	0.004%Below	96
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$774Fees	0.599%Below	89
4	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$1,099Fees	0.831%Below	68
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,880Fees	0.037%Below	438
6	University BankBank	Strong	Sound	Exceptional	Exceptional	$2,382Fees	0.163%Below	149
7	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,629Fees	0.084%Below	44
8	MORTGAGE ONE OF THE SOUTH, INC.Independent Mortgage Company	Strong	Exceptional	Acceptable	Strong	$1,780Fees	0.532%Below	37
9	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$452Fees	0.662%Below	24
10	Trustmark National BankBank	Strong	Sound	Exceptional	Strong	$1,622Fees	0.036%Below	74
11	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$887Fees	0.281%Below	29
12	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$294Fees	0.126%Above	22
13	Truist BankBank	Strong	Strong	Strong	Sound	$1,065Fees	0.105%Below	21
14	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,345Fees	0.157%Above	343
15	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,335Fees	0.093%Above	275
16	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,974Fees	0.185%Below	103
17	Regions BankBank	Strong	Sound	Strong	Strong	$2,848Fees	0.249%Above	97
18	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,051Fees	0.079%Above	64
19	Northpointe BankBank	Strong	Sound	Strong	Strong	$3,138Fees	0.416%Above	62
20	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,160Fees	0.416%Below	55
21	Cadence BankBank	Strong	Sound	Strong	Strong	$2,989Fees	0.370%Above	53
22	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$436Fees	0.178%Above	34
23	Ameris BankBank	Strong	Sound	Exceptional	Sound	$3,265Fees	0.182%Above	33
24	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,345Fees	0.021%Above	33
25	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,929Fees	0.127%Above	91
26	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,363Fees	0.438%Below	77
27	Community Bank of MississippiBank	Strong	Acceptable	Exceptional	Strong	$4,676Fees	0.600%Above	55
28	Centennial BankBank	Strong	Sound	Sound	Strong	$2,199Fees	0.022%Above	37
29	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,076Fees	0.168%Above	29
30	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,000Fees	0.242%Above	25
31	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,529Fees	0.247%Above	23
32	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,808Fees	0.503%Above	22
33	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Sound	Exceptional	$2,260Fees	0.001%Below	381
34	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,424Fees	0.240%Below	141
35	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,098Fees	0.473%Above	104
36	Bank of EnglandBank	Strong	Acceptable	Strong	Strong	$4,269Fees	0.543%Above	41
37	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,991Fees	0.259%Above	39
38	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,343Fees	0.088%Above	37
39	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,020Fees	0.168%Above	37
40	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,359Fees	0.230%Below	35
41	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,319Fees	0.749%Above	28
42	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$627Fees	0.246%Above	24
43	COASTAL LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,850Fees	0.117%Above	22
44	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,217Fees	0.340%Above	59
45	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,803Fees	0.048%Above	36
46	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,246Fees	0.422%Above	33
47	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,999Fees	0.036%Above	26
48	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,838Fees	0.745%Above	22
49	Equity Prime Mortgage LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,681Fees	0.611%Above	21
50	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,318Fees	0.394%Above	21

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.