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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Florida
Updated February 6, 2026
Market Overview
604
Total Lenders
290,958
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Suncoast Credit Union | Exceptional | Exceptional | Strong | Exceptional | -$710 | -0.847% | 1,473 | |
2 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | $1,393 | -0.071% | 726 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $828 | -0.499% | 3,310 | |
4 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | $2,642 | +0.055% | 2,836 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $356 | -0.414% | 726 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,709 | -0.085% | 1,003 | |
7 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,711 | -0.052% | 651 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,415 | +0.281% | 38,081 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $2,202 | -0.023% | 2,427 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,723 | -0.145% | 2,030 | |
11 | Citizens First Bank | Strong | Sound | Exceptional | Exceptional | $1,311 | +0.417% | 1,851 | |
12 | Truist Bank | Strong | Strong | Strong | Strong | $1,221 | +0.078% | 1,767 | |
13 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $910 | +0.042% | 1,658 | |
14 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $566 | +0.275% | 1,062 | |
15 | SPACE COAST CREDIT UNION | Strong | Strong | Sound | Exceptional | $451 | -0.120% | 1,012 | |
16 | MIDFLORIDA | Strong | Strong | Sound | Exceptional | $1,031 | +0.041% | 938 | |
17 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $831 | +0.071% | 872 | |
18 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,062 | -0.562% | 841 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,500 | +0.023% | 5,290 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,670 | +0.197% | 4,800 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,662 | +0.118% | 4,424 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,895 | +0.181% | 3,538 | |
23 | Regions Bank | Strong | Sound | Strong | Exceptional | $2,339 | +0.216% | 2,282 | |
24 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,570 | +0.236% | 1,655 | |
25 | University Bank | Strong | Sound | Exceptional | Strong | $2,326 | +0.092% | 796 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,162 | +0.266% | 652 | |
27 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $2,523 | -0.631% | 631 | |
28 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,427 | +0.268% | 21,334 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,407 | +0.378% | 3,386 | |
30 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,473 | +0.263% | 2,971 | |
31 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,492 | +0.491% | 2,773 | |
32 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,471 | +0.244% | 2,579 | |
33 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,103 | +0.021% | 2,022 | |
34 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $2,520 | +0.231% | 1,255 | |
35 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Exceptional | $5,992 | +0.073% | 1,075 | |
36 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,584 | +0.417% | 808 | |
37 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,584 | +0.108% | 685 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,161 | +0.526% | 7,983 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,164 | +0.455% | 4,175 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $3,991 | +0.608% | 3,535 | |
41 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $3,266 | +0.357% | 2,796 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,798 | +0.481% | 2,782 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,300 | +0.457% | 1,846 | |
44 | Plains Commerce Bank | Strong | Acceptable | Strong | Exceptional | $3,381 | +0.426% | 1,767 | |
45 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,651 | +0.404% | 1,626 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,222 | +0.329% | 1,310 | |
47 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,148 | +0.107% | 1,176 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,285 | +0.349% | 760 | |
49 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,915 | +0.405% | 742 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,762 | +0.489% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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