Safe Rate Rankings

Best Conventional 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$53Fees	0.374%Below	263
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$603Fees	0.407%Below	149
3	Trustmark National BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,116Fees	0.242%Above	227
4	Cadence BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,472Fees	0.358%Above	158
5	GMFS LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,894Fees	0.440%Above	83
6	HANCOCK WHITNEY BANKBank	Exceptional	Strong	Strong	Strong	Strong	$1,783Fees	0.210%Above	75
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,833Fees	0.408%Above	332
8	KEESLERCredit Union	Strong	Strong	Sound	Sound	Exceptional	$532Fees	0.406%Below	251
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,174Fees	0.242%Above	45
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,232Fees	0.133%Above	40
11	BankPlusBank	Strong	Strong	Strong	Strong	Sound	$935Fees	0.056%Below	10
12	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,590Fees	0.446%Above	377
13	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,753Fees	0.154%Above	231
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,564Fees	0.551%Above	166
15	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,821Fees	0.036%Above	88
16	DELMAR FINANCIAL COMPANYIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,659Fees	0.585%Above	58
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,123Fees	0.200%Above	31
18	CHEVRON Federal Credit UnionCredit Union	Strong	Strong	Strong	Sound	Sound	$529Fees	0.274%Above	15
19	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,531Fees	0.385%Above	101
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,166Fees	0.539%Above	93
21	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,788Fees	0.302%Above	65
22	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,845Fees	0.273%Above	56
23	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,888Fees	0.376%Above	46
24	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,561Fees	0.304%Below	31
25	NAVIGATOR CUCredit Union	Strong	Strong	Acceptable	Sound	Strong	$2,289Fees	0.098%Above	28
26	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$3,183Credit	0.135%Above	231
27	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,726Fees	0.657%Above	107
28	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Strong	Strong	Strong	$3,221Fees	0.308%Above	105
29	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,294Fees	0.044%Above	39
30	AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,558Fees	0.451%Above	36
31	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,392Fees	0.496%Above	22
32	Merchants & Marine BankBank	Strong	Sound	Sound	Strong	Sound	$1,042Fees	0.250%Above	19
33	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,961Fees	0.432%Above	18
34	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,476Fees	0.062%Below	15
35	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,553Fees	0.468%Above	14
36	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,942Fees	0.186%Above	14
37	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,245Fees	0.363%Above	12
38	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,365Fees	0.376%Above	11
39	Community Bank of MississippiBank	Strong	Mediocre	Strong	Strong	Exceptional	$2,044Fees	0.601%Above	115
40	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$993Fees	0.031%Above	37
41	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,412Fees	0.512%Above	27
42	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Acceptable	Strong	$2,548Fees	0.650%Above	106

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.