Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$112Fees	0.424%Below	141
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$774Fees	0.599%Below	89
3	BankPlusBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,218Fees	0.004%Below	96
4	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,629Fees	0.084%Below	44
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$887Fees	0.281%Below	29
6	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$294Fees	0.126%Above	22
7	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,065Fees	0.105%Below	21
8	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$207Fees	0.366%Below	18
9	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$766Fees	0.101%Below	17
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,880Fees	0.037%Below	438
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,345Fees	0.157%Above	343
12	Trustmark National BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,622Fees	0.036%Below	74
13	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,138Fees	0.416%Above	62
14	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,989Fees	0.370%Above	53
15	MORTGAGE ONE OF THE SOUTH, INC.Independent Mortgage Company	Strong	Exceptional	Acceptable	Sound	Strong	$1,780Fees	0.532%Below	37
16	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,345Fees	0.021%Above	33
17	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$110Fees	0.171%Below	18
18	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,335Fees	0.093%Above	275
19	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,160Fees	0.416%Below	55
20	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$436Fees	0.178%Above	34
21	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,265Fees	0.182%Above	33
22	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,000Fees	0.242%Above	25
23	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,529Fees	0.247%Above	23
24	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$1,042Fees	0.399%Below	18
25	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,260Fees	0.001%Below	381
26	University BankBank	Strong	Acceptable	Strong	Strong	Exceptional	$2,382Fees	0.163%Below	149
27	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,098Fees	0.473%Above	104
28	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,974Fees	0.185%Below	103
29	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,848Fees	0.249%Above	97
30	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,929Fees	0.127%Above	91
31	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,363Fees	0.438%Below	77
32	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,051Fees	0.079%Above	64
33	Centennial BankBank	Strong	Sound	Strong	Sound	Strong	$2,199Fees	0.022%Above	37
34	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$3,076Fees	0.168%Above	29
35	Synovus BankBank	Strong	Sound	Strong	Strong	Sound	$1,814Fees	0.112%Below	18
36	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,368Fees	0.558%Above	13
37	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,217Fees	0.340%Above	59
38	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,991Fees	0.259%Above	39
39	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,343Fees	0.088%Above	37
40	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,020Fees	0.168%Above	37
41	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,803Fees	0.048%Above	36
42	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,246Fees	0.422%Above	33
43	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,999Fees	0.036%Above	26
44	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$627Fees	0.246%Above	24
45	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,761Fees	0.494%Above	19
46	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,481Fees	0.298%Above	18
47	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,231Fees	0.339%Above	16
48	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,503Fees	0.159%Above	12
49	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,150Fees	0.561%Above	12
50	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,099Fees	0.831%Below	68

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.