# Best Conventional Mortgage Lenders in Daphne

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

Compare the top Conventional mortgage lenders in Daphne. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 89 | 97 | 75 | 111 | Independent Mortgage Company |
| 2 | Trustmark National Bank | 83 | 48 | 79 | 165 | Bank |
| 3 | GMFS LLC | 83 | 48 | 82 | 92 | Independent Mortgage Company |
| 4 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 76 | Credit Union |
| 5 | BankPlus | 80 | 67 | 70 | 40 | Bank |
| 6 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 262 | Independent Mortgage Company |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 236 | Independent Mortgage Company |
| 8 | FirstBank | 79 | 50 | 75 | 126 | Bank |
| 9 | Cadence Bank | 79 | 48 | 71 | 85 | Bank |
| 10 | Tyndall Federal Credit Union | 79 | 47 | 85 | 45 | Credit Union |
| 11 | Truist Bank | 79 | 71 | 69 | 18 | Bank |
| 12 | PNC Bank, National Association | 79 | 75 | 63 | 16 | Bank |
| 13 | U.S. Bank National Association | 79 | 75 | 69 | 14 | Bank |
| 14 | ServisFirst Bank | 74 | 57 | 79 | 36 | Bank |
| 15 | HANCOCK WHITNEY BANK | 74 | 62 | 61 | 13 | Bank |
| 16 | SouthState Bank, National Association | 73 | 48 | 72 | 41 | Bank |
| 17 | First Horizon Bank | 73 | 57 | 65 | 37 | Bank |
| 18 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 32 | Bank |
| 19 | ALABAMA CREDIT UNION | 73 | 92 | 49 | 31 | Credit Union |
| 20 | Northpointe Bank | 73 | 49 | 62 | 26 | Bank |
| 21 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 19 | Bank |
| 22 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 19 | Independent Mortgage Company |
| 23 | NBKC BANK | 73 | 90 | 49 | 14 | Bank |
| 24 | Morgan Stanley Private Bank, National Association | 73 | 96 | 57 | 11 | Bank |
| 25 | Regions Bank | 71 | 39 | 64 | 138 | Bank |
| 26 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 122 | Independent Mortgage Company |
| 27 | SWBC MORTGAGE CORPORATION | 71 | 33 | 78 | 44 | Independent Mortgage Company |
| 28 | Nations Lending Corporation | 70 | 33 | 86 | 14 | Independent Mortgage Company |
| 29 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 23 | Independent Mortgage Company |
| 30 | NexBank | 69 | 43 | 66 | 14 | Bank |
| 31 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 45 | Independent Mortgage Company |
| 32 | City National Bank of Florida | 68 | 82 | 48 | 23 | Bank |
| 33 | First Federal Bank, A FSB | 67 | 28 | 75 | 54 | Bank |
| 34 | NEWREZ LLC | 66 | 31 | 58 | 59 | Independent Mortgage Company |
| 35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 39 | Independent Mortgage Company |
| 36 | Plains Commerce Bank | 66 | 35 | 64 | 37 | Bank |
| 37 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 33 | Independent Mortgage Company |
| 38 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 32 | Independent Mortgage Company |
| 39 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 31 | Independent Mortgage Company |
| 40 | TOWNE MORTGAGE COMPANY | 66 | 39 | 79 | 28 | Independent Mortgage Company |
| 41 | STOCKTON MORTGAGE CORPORATION | 66 | 29 | 65 | 28 | Independent Mortgage Company |
| 42 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 28 | Independent Mortgage Company |
| 43 | Flagstar Bank, N.A. | 66 | 34 | 72 | 27 | Bank |
| 44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 20 | 78 | 24 | Independent Mortgage Company |
| 45 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 21 | Independent Mortgage Company |
| 46 | Renasant Bank | 66 | 35 | 77 | 19 | Bank |
| 47 | GUILD MORTGAGE COMPANY LLC | 66 | 25 | 77 | 19 | Independent Mortgage Company |
| 48 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 17 | Independent Mortgage Company |
| 49 | THE LOAN STORE, INC. | 66 | 39 | 71 | 16 | Independent Mortgage Company |
| 50 | United Community Bank | 66 | 34 | 65 | 12 | Bank |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.