Safe Rate Rankings

Best Mortgage Lenders in Daphne

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Daphne Market Insights

Dsld Mortgage is Safe Rate's top-ranked lender in Daphne, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Daphne: Bank: Trustmark National Bank (#3). Credit union: Navy Federal Credit Union (#2). Mortgage company: Dsld Mortgage (#1).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Daphne, Dsld Mortgage and Navy Federal Credit Union scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 in Daphne, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Rocket Mortgage ranks #9 in Daphne, the nation's largest lender by volume.

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

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

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

❓ Frequently Asked Questions

How are mortgage lenders ranked in Daphne?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Daphne), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Daphne?+

Based on 2024 HMDA data, 82 lenders originated a combined 4,240 loans in Daphne. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Daphne?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Daphne is 0.21%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Daphne's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.