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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 Company Lenders in Florida
Updated February 6, 2026
Market Overview
50
Total Lenders
233,352
Total Loans
0.42%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | $2,642 | +0.055% | 2,836 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,709 | -0.085% | 1,003 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,415 | +0.281% | 38,081 | |
4 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $566 | +0.275% | 1,062 | |
5 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,062 | -0.562% | 841 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,500 | +0.023% | 5,290 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,662 | +0.118% | 4,424 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,895 | +0.181% | 3,538 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,162 | +0.266% | 652 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $2,523 | -0.631% | 631 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,427 | +0.268% | 21,334 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,407 | +0.378% | 3,386 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,473 | +0.263% | 2,971 | |
14 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,492 | +0.491% | 2,773 | |
15 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,471 | +0.244% | 2,579 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,103 | +0.021% | 2,022 | |
17 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Exceptional | $5,992 | +0.073% | 1,075 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,584 | +0.417% | 808 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,161 | +0.526% | 7,983 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,164 | +0.455% | 4,175 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $3,991 | +0.608% | 3,535 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,798 | +0.481% | 2,782 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,300 | +0.457% | 1,846 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,651 | +0.404% | 1,626 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,222 | +0.329% | 1,310 | |
26 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,148 | +0.107% | 1,176 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,285 | +0.349% | 760 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,612 | +0.168% | 753 | |
29 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,915 | +0.405% | 742 | |
30 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,762 | +0.489% | 626 | |
31 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $2,830 | +0.390% | 3,238 | |
32 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,914 | +0.548% | 3,144 | |
33 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | $3,986 | +0.709% | 2,431 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,455 | +0.253% | 1,605 | |
35 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,123 | +0.368% | 1,516 | |
36 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,176 | +0.635% | 1,353 | |
37 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,000 | +0.433% | 1,274 | |
38 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,680 | +0.690% | 1,270 | |
39 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $4,595 | -0.123% | 1,261 | |
40 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,914 | +0.359% | 1,134 | |
41 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $3,319 | +0.270% | 1,103 | |
42 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $3,480 | +0.446% | 982 | |
43 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,519 | +0.503% | 833 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $2,972 | +0.454% | 756 | |
45 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,435 | +0.785% | 679 | |
46 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,304 | +0.460% | 618 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $5,272 | +0.640% | 1,314 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,838 | +0.432% | 884 | |
49 | JMAC LENDING, INC. | Sound | Acceptable | Sound | Strong | $2,785 | +0.359% | 613 | |
50 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $4,792 | +0.499% | 1,343 |
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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