Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	$6Fees	0.360%Below	111
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$1,507Fees	0.543%Below	76
3	ALABAMA CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$555Fees	1.333%Below	31
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,221Fees	0.160%Above	236
5	Trustmark National BankBank	Strong	Sound	Exceptional	Exceptional	$2,274Fees	0.289%Above	165
6	Tyndall Federal Credit UnionCredit Union	Strong	Strong	Strong	Strong	$1,634Fees	0.057%Above	45
7	BankPlusBank	Strong	Strong	Strong	Strong	$1,089Fees	0.012%Below	40
8	FirstBankBank	Strong	Sound	Exceptional	Strong	$2,440Fees	0.181%Above	126
9	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,609Fees	0.119%Above	92
10	ServisFirst BankBank	Strong	Sound	Exceptional	Strong	$1,382Fees	0.312%Above	36
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,011Fees	0.330%Above	262
12	Regions BankBank	Strong	Sound	Strong	Strong	$2,444Fees	0.268%Above	138
13	Cadence BankBank	Strong	Sound	Strong	Strong	$1,986Fees	0.122%Above	85
14	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$1,820Fees	0.140%Above	32
15	City National Bank of FloridaBank	Strong	Strong	Sound	Sound	$1,421Fees	0.321%Below	23
16	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,698Fees	0.639%Above	122
17	Community Bank of MississippiBank	Strong	Acceptable	Exceptional	Strong	$3,911Fees	0.584%Above	68
18	First Federal Bank, A FSBBank	Strong	Acceptable	Exceptional	Strong	$4,282Fees	0.094%Below	54
19	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,563Fees	0.237%Above	46
20	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,506Fees	0.056%Below	45
21	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$5,632Fees	0.438%Above	44
22	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,481Fees	0.158%Above	41
23	First Horizon BankBank	Strong	Sound	Strong	Sound	$2,082Fees	0.112%Above	37
24	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$4,212Fees	0.193%Above	31
25	Northpointe BankBank	Strong	Sound	Strong	Sound	$3,889Fees	0.602%Above	26
26	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,584Fees	0.153%Above	81
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,487Fees	0.480%Above	39
28	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,597Fees	0.351%Above	33
29	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,888Fees	0.022%Above	32
30	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,013Fees	0.080%Below	30
31	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Exceptional	Sound	$2,779Fees	0.624%Above	26
32	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,845Fees	0.381%Above	24
33	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$2,856Fees	0.125%Above	23
34	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,836Fees	0.413%Above	59
35	Plains Commerce BankBank	Sound	Acceptable	Strong	Sound	$3,385Fees	0.519%Above	37
36	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,298Fees	0.281%Above	34
37	Synergy One Lending, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,761Fees	0.408%Above	33
38	Bank of EnglandBank	Sound	Acceptable	Strong	Sound	$5,098Fees	0.652%Above	28
39	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,884Fees	0.339%Above	28
40	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,529Fees	0.532%Above	28
41	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,997Fees	0.328%Above	28
42	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,527Fees	0.398%Above	27
43	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,915Fees	0.190%Above	22
44	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,887Fees	0.563%Above	21
45	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$5,095Fees	0.804%Above	44
46	Bryant BankBank	Sound	Acceptable	Acceptable	Strong	$2,646Fees	0.054%Above	36
47	River Bank & TrustBank	Sound	Mediocre	Sound	Strong	$3,551Fees	0.489%Above	31

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.