Safe Rate Rankings

Best Conventional Mortgage Lenders in Daphne

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 Lenders82

Total Loans4,240

Median Rate Spread0.21%

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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	Strong	$6Fees	0.360%Below	111
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,507Fees	0.543%Below	76
3	Trustmark National BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,274Fees	0.289%Above	165
4	GMFS LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,609Fees	0.119%Above	92
5	BankPlusBank	Exceptional	Strong	Strong	Strong	Strong	$1,089Fees	0.012%Below	40
6	ALABAMA CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$555Fees	1.333%Below	31
7	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,699Fees	0.123%Above	18
8	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,173Fees	0.047%Below	16
9	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$929Fees	0.246%Above	14
10	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$347Fees	0.052%Below	14
11	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$226Fees	0.362%Below	11
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,011Fees	0.330%Above	262
13	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,221Fees	0.160%Above	236
14	FirstBankBank	Strong	Sound	Exceptional	Strong	Strong	$2,440Fees	0.181%Above	126
15	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,986Fees	0.122%Above	85
16	Tyndall Federal Credit UnionCredit Union	Strong	Sound	Strong	Exceptional	Strong	$1,634Fees	0.057%Above	45
17	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,820Fees	0.140%Above	32
18	City National Bank of FloridaBank	Strong	Exceptional	Sound	Sound	Sound	$1,421Fees	0.321%Below	23
19	HANCOCK WHITNEY BANKBank	Strong	Strong	Strong	Strong	Sound	$2,623Fees	0.249%Above	13
20	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,481Fees	0.158%Above	41
21	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,082Fees	0.112%Above	37
22	ServisFirst BankBank	Strong	Sound	Strong	Strong	Strong	$1,382Fees	0.312%Above	36
23	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,889Fees	0.602%Above	26
24	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,856Fees	0.125%Above	23
25	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,097Fees	0.135%Above	19
26	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,880Fees	0.002%Below	19
27	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,444Fees	0.268%Above	138
28	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,698Fees	0.639%Above	122
29	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,506Fees	0.056%Below	45
30	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,632Fees	0.438%Above	44
31	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,883Fees	0.375%Above	14
32	NexBankBank	Strong	Sound	Strong	Strong	Sound	$4,266Fees	0.664%Above	14
33	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,836Fees	0.413%Above	59
34	First Federal Bank, A FSBBank	Strong	Acceptable	Strong	Strong	Strong	$4,282Fees	0.094%Below	54
35	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,487Fees	0.480%Above	39
36	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,385Fees	0.519%Above	37
37	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,597Fees	0.351%Above	33
38	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,888Fees	0.022%Above	32
39	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,212Fees	0.193%Above	31
40	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,884Fees	0.339%Above	28
41	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,529Fees	0.532%Above	28
42	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,997Fees	0.328%Above	28
43	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,527Fees	0.398%Above	27
44	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,845Fees	0.381%Above	24
45	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,887Fees	0.563%Above	21
46	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,533Fees	0.363%Above	19
47	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,423Fees	0.418%Above	19
48	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,966Fees	0.274%Above	17
49	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,841Fees	0.389%Above	16
50	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,323Fees	0.485%Above	12

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.