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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,393 | -0.071% | 726 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $828 | -0.499% | 3,310 | |
3 | Suncoast Credit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | -$710 | -0.847% | 1,473 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,709 | -0.085% | 1,003 | |
5 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,202 | -0.023% | 2,427 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,723 | -0.145% | 2,030 | |
7 | Citizens First Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,311 | +0.417% | 1,851 | |
8 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,221 | +0.078% | 1,767 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $910 | +0.042% | 1,658 | |
10 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $356 | -0.414% | 726 | |
11 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,500 | +0.023% | 5,290 | |
12 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,670 | +0.197% | 4,800 | |
13 | SPACE COAST CREDIT UNION | Exceptional | Strong | Strong | Sound | Exceptional | $451 | -0.120% | 1,012 | |
14 | MIDFLORIDA | Exceptional | Strong | Strong | Sound | Exceptional | $1,031 | +0.041% | 938 | |
15 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $831 | +0.071% | 872 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,415 | +0.281% | 38,081 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427 | +0.268% | 21,334 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,895 | +0.181% | 3,538 | |
19 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,570 | +0.236% | 1,655 | |
20 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,520 | +0.231% | 1,255 | |
21 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,519 | +0.503% | 833 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,612 | +0.168% | 753 | |
23 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,584 | +0.108% | 685 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,162 | +0.266% | 652 | |
25 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $1,711 | -0.052% | 651 | |
26 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,523 | -0.631% | 631 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161 | +0.526% | 7,983 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,662 | +0.118% | 4,424 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,991 | +0.608% | 3,535 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,407 | +0.378% | 3,386 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,473 | +0.263% | 2,971 | |
32 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,266 | +0.357% | 2,796 | |
33 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,339 | +0.216% | 2,282 | |
34 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,381 | +0.426% | 1,767 | |
35 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $566 | +0.275% | 1,062 | |
36 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,062 | -0.562% | 841 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,798 | +0.481% | 2,782 | |
38 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,471 | +0.244% | 2,579 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,300 | +0.457% | 1,846 | |
40 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,651 | +0.404% | 1,626 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,455 | +0.253% | 1,605 | |
42 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,123 | +0.368% | 1,516 | |
43 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,176 | +0.635% | 1,353 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,222 | +0.329% | 1,310 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,000 | +0.433% | 1,274 | |
46 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,914 | +0.359% | 1,134 | |
47 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,480 | +0.446% | 982 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,285 | +0.349% | 760 | |
49 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,915 | +0.405% | 742 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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