# Best FHA Mortgage Lenders in Daphne

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

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

> **Canonical URL:** https://saferate.com/daphne/best-mortgage-lenders/fha-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 | 96 | 72 | 111 | Independent Mortgage Company |
| 2 | Tyndall Federal Credit Union | 89 | 94 | 85 | 45 | Credit Union |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 236 | Independent Mortgage Company |
| 4 | GMFS LLC | 85 | 68 | 77 | 92 | Independent Mortgage Company |
| 5 | Cadence Bank | 85 | 71 | 69 | 85 | Bank |
| 6 | First Federal Bank, A FSB | 85 | 63 | 79 | 54 | Bank |
| 7 | Trustmark National Bank | 83 | 58 | 78 | 165 | Bank |
| 8 | SWBC MORTGAGE CORPORATION | 83 | 42 | 83 | 44 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 262 | Independent Mortgage Company |
| 10 | FirstBank | 79 | 56 | 78 | 126 | Bank |
| 11 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 46 | Independent Mortgage Company |
| 12 | Prosperity Home Mortgage, LLC | 79 | 63 | 72 | 17 | Independent Mortgage Company |
| 13 | TOWNE MORTGAGE COMPANY | 77 | 46 | 82 | 28 | Independent Mortgage Company |
| 14 | Regions Bank | 73 | 60 | 59 | 138 | Bank |
| 15 | NEWREZ LLC | 73 | 52 | 56 | 59 | Independent Mortgage Company |
| 16 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 45 | Independent Mortgage Company |
| 17 | Plains Commerce Bank | 73 | 47 | 66 | 37 | Bank |
| 18 | RMC HOME MORTGAGE, LLC | 73 | 45 | 71 | 34 | Independent Mortgage Company |
| 19 | Bank of England | 73 | 45 | 70 | 28 | Bank |
| 20 | Flagstar Bank, N.A. | 73 | 58 | 71 | 27 | Bank |
| 21 | NATIONS DIRECT MORTGAGE, LLC | 73 | 46 | 68 | 22 | Independent Mortgage Company |
| 22 | INSPIRE HOME LOANS INC. | 73 | 53 | 75 | 16 | Independent Mortgage Company |
| 23 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 122 | Independent Mortgage Company |
| 24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 70 | 20 | 82 | 39 | Independent Mortgage Company |
| 25 | UNION HOME MORTGAGE CORP. | 70 | 22 | 80 | 33 | Independent Mortgage Company |
| 26 | NFM, INC. | 70 | 40 | 83 | 17 | Independent Mortgage Company |
| 27 | Magnolia Bank, Incorporated | 69 | 48 | 74 | 26 | Bank |
| 28 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 31 | Independent Mortgage Company |
| 29 | STOCKTON MORTGAGE CORPORATION | 66 | 28 | 67 | 28 | Independent Mortgage Company |
| 30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 24 | Independent Mortgage Company |
| 31 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 19 | Independent Mortgage Company |
| 32 | EMBRACE HOME LOANS, INC. | 66 | 35 | 71 | 18 | Independent Mortgage Company |
| 33 | NORWICH COMMERCIAL GROUP, INC. | 64 | 53 | 60 | 11 | Independent Mortgage Company |
| 34 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 23 | Independent Mortgage Company |
| 35 | Equity Prime Mortgage LLC | 60 | 22 | 63 | 10 | Independent Mortgage Company |
| 36 | Click n' Close, Inc. | 56 | N/A | 63 | 34 | Independent Mortgage Company |
| 37 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 28 | Independent Mortgage Company |
| 38 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 44 | 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. **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.