Safe Rate Rankings

Best Credit Union 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 Lenders6

Total Loans13,343

Median Rate Spread-0.05%

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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	SPACE COAST CREDIT UNIONCredit Union	Strong	Strong	Sound	Exceptional	$451Fees	0.120%Below	1,012
5	MIDFLORIDACredit Union	Strong	Strong	Sound	Exceptional	$1,031Fees	0.041%Above	938
6	VYSTAR CREDIT UNIONCredit Union	Strong	Sound	Sound	Strong	$2,462Fees	0.024%Below	719

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.