Safe Rate Rankings

Best FHA Mortgage Credit Union 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.
Total Lenders3
Total Loans290,958
Median Rate Spread0.31%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
LAKE MICHIGAN CREDIT UNIONCredit Union
Exceptional
Strong
Strong
Strong
Strong
$1,393Fees
0.071%Below
726
2
SPACE COAST CREDIT UNIONCredit Union
Strong
Strong
Sound
Sound
Exceptional
$451Fees
0.120%Below
1,012
3
VYSTAR CREDIT UNIONCredit Union
Sound
Acceptable
Sound
Acceptable
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 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.