Safe Rate Rankings

Best All Lender Mortgage Lenders in Gulfport

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 Lenders52

Total Loans4,540

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	Exceptional	$53Fees	0.374%Below	263
2	KEESLERCredit Union	Exceptional	Exceptional	Sound	Exceptional	$532Fees	0.406%Below	251
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$603Fees	0.407%Below	149
4	Trustmark National BankBank	Strong	Sound	Exceptional	Exceptional	$2,116Fees	0.242%Above	227
5	HANCOCK WHITNEY BANKBank	Strong	Strong	Strong	Strong	$1,783Fees	0.210%Above	75
6	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	$654Fees	1.307%Below	28
7	Cadence BankBank	Strong	Sound	Strong	Exceptional	$1,472Fees	0.358%Above	158
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,821Fees	0.036%Above	88
9	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,894Fees	0.440%Above	83
10	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,845Fees	0.273%Above	56
11	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,590Fees	0.446%Above	377
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,833Fees	0.408%Above	332
13	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,753Fees	0.154%Above	231
14	Community Bank of MississippiBank	Strong	Acceptable	Exceptional	Exceptional	$2,044Fees	0.601%Above	115
15	Regions BankBank	Strong	Sound	Strong	Strong	$2,531Fees	0.385%Above	101
16	DELMAR FINANCIAL COMPANYIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,659Fees	0.585%Above	58
17	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,420Fees	0.680%Above	53
18	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,174Fees	0.242%Above	45
19	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,232Fees	0.133%Above	40
20	NAVIGATOR CUCredit Union	Strong	Strong	Acceptable	Strong	$2,289Fees	0.098%Above	28
21	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,183Credit	0.135%Above	231
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,564Fees	0.551%Above	166
23	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Exceptional	Strong	$3,221Fees	0.308%Above	105
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,166Fees	0.539%Above	93
25	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,888Fees	0.376%Above	46
26	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,561Fees	0.304%Below	31
27	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,123Fees	0.200%Above	31
28	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,548Fees	0.650%Above	106
29	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,788Fees	0.302%Above	65
30	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$993Fees	0.031%Above	37
31	AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,558Fees	0.451%Above	36
32	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$3,102Fees	0.063%Above	25
33	Renasant BankBank	Strong	Acceptable	Exceptional	Sound	$2,392Fees	0.496%Above	22
34	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,633Fees	0.500%Above	20
35	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,726Fees	0.657%Above	107
36	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$1,294Fees	0.044%Above	39
37	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,412Fees	0.512%Above	27
38	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$3,919Fees	1.137%Above	30

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.