Safe Rate Rankings

Best Mortgage Lenders in Florida

Updated February 6, 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 Lenders604

Total Loans290,958

Median Rate Spread0.31%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Suncoast Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	$710Credit	0.847%Below	1,473
2	LAKE MICHIGAN CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Strong	$1,393Fees	0.071%Below	726
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$828Fees	0.499%Below	3,310
4	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	$2,642Fees	0.055%Above	2,836
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$356Fees	0.414%Below	726
6	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$1,709Fees	0.085%Below	1,003
7	First Federal BankBank	Exceptional	Exceptional	Sound	Strong	$1,711Fees	0.052%Below	651
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,415Fees	0.281%Above	38,081
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Exceptional	$2,202Fees	0.023%Below	2,427
10	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,723Fees	0.145%Below	2,030
11	Citizens First BankBank	Strong	Sound	Exceptional	Exceptional	$1,311Fees	0.417%Above	1,851
12	Truist BankBank	Strong	Strong	Strong	Strong	$1,221Fees	0.078%Above	1,767
13	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$910Fees	0.042%Above	1,658
14	MATTAMY HOME FUNDING, LLCIndependent Mortgage Company	Strong	Strong	Strong	Strong	$566Fees	0.275%Above	1,062
15	SPACE COAST CREDIT UNIONCredit Union	Strong	Strong	Sound	Exceptional	$451Fees	0.120%Below	1,012
16	MIDFLORIDACredit Union	Strong	Strong	Sound	Exceptional	$1,031Fees	0.041%Above	938
17	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$831Fees	0.071%Above	872
18	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Strong	Strong	Strong	$2,062Fees	0.562%Below	841
19	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,500Fees	0.023%Above	5,290
20	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$2,670Fees	0.197%Above	4,800
21	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,662Fees	0.118%Above	4,424
22	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,895Fees	0.181%Above	3,538
23	Regions BankBank	Strong	Sound	Strong	Exceptional	$2,339Fees	0.216%Above	2,282
24	Ameris BankBank	Strong	Sound	Exceptional	Strong	$2,570Fees	0.236%Above	1,655
25	University BankBank	Strong	Sound	Exceptional	Strong	$2,326Fees	0.092%Above	796
26	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,162Fees	0.266%Above	652
27	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,523Fees	0.631%Below	631
28	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,427Fees	0.268%Above	21,334
29	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,407Fees	0.378%Above	3,386
30	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,473Fees	0.263%Above	2,971
31	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,492Fees	0.491%Above	2,773
32	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,471Fees	0.244%Above	2,579
33	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,103Fees	0.021%Above	2,022
34	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,520Fees	0.231%Above	1,255
35	COASTAL LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$5,992Fees	0.073%Above	1,075
36	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,584Fees	0.417%Above	808
37	First Horizon BankBank	Strong	Sound	Strong	Strong	$1,584Fees	0.108%Above	685
38	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,161Fees	0.526%Above	7,983
39	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,164Fees	0.455%Above	4,175
40	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,991Fees	0.608%Above	3,535
41	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Exceptional	$3,266Fees	0.357%Above	2,796
42	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,798Fees	0.481%Above	2,782
43	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,300Fees	0.457%Above	1,846
44	Plains Commerce BankBank	Strong	Acceptable	Strong	Exceptional	$3,381Fees	0.426%Above	1,767
45	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,651Fees	0.404%Above	1,626
46	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,222Fees	0.329%Above	1,310
47	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,148Fees	0.107%Above	1,176
48	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,285Fees	0.349%Above	760
49	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,915Fees	0.405%Above	742
50	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,762Fees	0.489%Above	626

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.