# Best Mortgage Lenders in Daphne

**As of:** 2026-05-22

Compare the top mortgage lenders in Daphne. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/daphne/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 82
- **Total Loans:** 4,240
- **Median Rate Spread:** 0.2125%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | DSLD MORTGAGE, LLC | 93 | 97 | 81 | 111 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 236 | Independent Mortgage Company |
| 3 | Trustmark National Bank | 84 | 50 | 85 | 165 | Bank |
| 4 | Tyndall Federal Credit Union | 80 | 65 | 77 | 45 | Credit Union |
| 5 | BankPlus | 80 | 73 | 71 | 40 | Bank |
| 6 | FirstBank | 78 | 50 | 80 | 126 | Bank |
| 7 | GMFS LLC | 78 | 53 | 85 | 92 | Independent Mortgage Company |
| 8 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 76 | Credit Union |
| 9 | ServisFirst Bank | 78 | 54 | 82 | 36 | Bank |
| 10 | ALABAMA CREDIT UNION | 78 | 93 | 44 | 31 | Credit Union |
| 11 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 262 | Independent Mortgage Company |
| 12 | Regions Bank | 73 | 41 | 64 | 138 | Bank |
| 13 | Cadence Bank | 73 | 47 | 73 | 85 | Bank |
| 14 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 122 | Independent Mortgage Company |
| 15 | Community Bank of Mississippi | 68 | 24 | 82 | 68 | Bank |
| 16 | First Federal Bank, A FSB | 68 | 40 | 81 | 54 | Bank |
| 17 | SWBC MORTGAGE CORPORATION | 68 | 34 | 86 | 44 | Independent Mortgage Company |
| 18 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 46 | Independent Mortgage Company |
| 19 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 45 | Independent Mortgage Company |
| 20 | SouthState Bank, National Association | 66 | 49 | 73 | 41 | Bank |
| 21 | First Horizon Bank | 66 | 49 | 68 | 37 | Bank |
| 22 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 32 | Bank |
| 23 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 31 | Independent Mortgage Company |
| 24 | Northpointe Bank | 66 | 47 | 62 | 26 | Bank |
| 25 | City National Bank of Florida | 66 | 77 | 59 | 23 | Bank |
| 26 | Mortgage Research Center, LLC | 63 | 34 | 70 | 81 | Independent Mortgage Company |
| 27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 39 | Independent Mortgage Company |
| 28 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 33 | Independent Mortgage Company |
| 29 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 32 | Independent Mortgage Company |
| 30 | Magnolia Bank, Incorporated | 62 | 37 | 82 | 26 | Bank |
| 31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 62 | 26 | 87 | 24 | Independent Mortgage Company |
| 32 | USAA Federal Savings Bank | 60 | 54 | 45 | 30 | Bank |
| 33 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 23 | Independent Mortgage Company |
| 34 | NEWREZ LLC | 58 | 35 | 59 | 59 | Independent Mortgage Company |
| 35 | Plains Commerce Bank | 58 | 37 | 67 | 37 | Bank |
| 36 | RMC HOME MORTGAGE, LLC | 58 | 26 | 64 | 34 | Independent Mortgage Company |
| 37 | Synergy One Lending, Inc. | 58 | 20 | 71 | 33 | Independent Mortgage Company |
| 38 | Bank of England | 58 | 33 | 64 | 28 | Bank |
| 39 | TOWNE MORTGAGE COMPANY | 58 | 40 | 79 | 28 | Independent Mortgage Company |
| 40 | STOCKTON MORTGAGE CORPORATION | 58 | 27 | 70 | 28 | Independent Mortgage Company |
| 41 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 28 | Independent Mortgage Company |
| 42 | Flagstar Bank, N.A. | 58 | 40 | 76 | 27 | Bank |
| 43 | NATIONS DIRECT MORTGAGE, LLC | 58 | 38 | 74 | 22 | Independent Mortgage Company |
| 44 | CROSSCOUNTRY MORTGAGE, LLC | 58 | 20 | 76 | 21 | Independent Mortgage Company |
| 45 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 44 | Independent Mortgage Company |
| 46 | Bryant Bank | 50 | 38 | 38 | 36 | Bank |
| 47 | River Bank & Trust | 46 | 10 | 45 | 31 | Bank |
| 48 | Click n' Close, Inc. | 42 | 1 | 59 | 34 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Daphne.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.