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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 FHA 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 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,642 | +0.055% | 2,836 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,062 | -0.562% | 841 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,662 | +0.118% | 4,424 | |
4 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $566 | +0.275% | 1,062 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,415 | +0.281% | 38,081 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,895 | +0.181% | 3,538 | |
7 | University Bank | Exceptional | Strong | Strong | Exceptional | Strong | $2,326 | +0.092% | 796 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,162 | +0.266% | 652 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,500 | +0.023% | 5,290 | |
10 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,266 | +0.357% | 2,796 | |
11 | Plains Commerce Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,381 | +0.426% | 1,767 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $910 | +0.042% | 1,658 | |
13 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $2,520 | +0.231% | 1,255 | |
14 | RMC HOME MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,148 | +0.107% | 1,176 | |
15 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $831 | +0.071% | 872 | |
16 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,915 | +0.405% | 742 | |
17 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,393 | -0.071% | 726 | |
18 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Strong | $1,584 | +0.108% | 685 | |
19 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $1,711 | -0.052% | 651 | |
20 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,523 | -0.631% | 631 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427 | +0.268% | 21,334 | |
22 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,830 | +0.390% | 3,238 | |
23 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,492 | +0.491% | 2,773 | |
24 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $2,339 | +0.216% | 2,282 | |
25 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,103 | +0.021% | 2,022 | |
26 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,221 | +0.078% | 1,767 | |
27 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,570 | +0.236% | 1,655 | |
28 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,123 | +0.368% | 1,516 | |
29 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,595 | -0.123% | 1,261 | |
30 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,914 | +0.359% | 1,134 | |
31 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,992 | +0.073% | 1,075 | |
32 | SPACE COAST CREDIT UNION | Strong | Strong | Sound | Sound | Exceptional | $451 | -0.120% | 1,012 | |
33 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,584 | +0.417% | 808 | |
34 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $2,967 | +0.298% | 785 | |
35 | TD Bank, National Association | Strong | Strong | Strong | Sound | Strong | $975 | +0.238% | 707 | |
36 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,670 | +0.197% | 4,800 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,991 | +0.608% | 3,535 | |
38 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,407 | +0.378% | 3,386 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,473 | +0.263% | 2,971 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,798 | +0.481% | 2,782 | |
41 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,202 | -0.023% | 2,427 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,300 | +0.457% | 1,846 | |
43 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,285 | +0.349% | 760 | |
44 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,762 | +0.489% | 626 | |
45 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,471 | +0.244% | 2,579 | |
46 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,651 | +0.404% | 1,626 | |
47 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,176 | +0.635% | 1,353 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,222 | +0.329% | 1,310 | |
49 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,000 | +0.433% | 1,274 | |
50 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,680 | +0.690% | 1,270 |
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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