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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 Company Lenders in Florida
Updated February 6, 2026
Market Overview
50
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,709 | -0.085% | 1,003 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,500 | +0.023% | 5,290 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,415 | +0.281% | 38,081 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427 | +0.268% | 21,334 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,895 | +0.181% | 3,538 | |
6 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,519 | +0.503% | 833 | |
7 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,612 | +0.168% | 753 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,162 | +0.266% | 652 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,523 | -0.631% | 631 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161 | +0.526% | 7,983 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,662 | +0.118% | 4,424 | |
12 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,991 | +0.608% | 3,535 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,407 | +0.378% | 3,386 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,473 | +0.263% | 2,971 | |
15 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $566 | +0.275% | 1,062 | |
16 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,062 | -0.562% | 841 | |
17 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,830 | +0.390% | 3,238 | |
18 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,914 | +0.548% | 3,144 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,798 | +0.481% | 2,782 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,471 | +0.244% | 2,579 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,300 | +0.457% | 1,846 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,651 | +0.404% | 1,626 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,455 | +0.253% | 1,605 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,123 | +0.368% | 1,516 | |
25 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,176 | +0.635% | 1,353 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,222 | +0.329% | 1,310 | |
27 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,000 | +0.433% | 1,274 | |
28 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,914 | +0.359% | 1,134 | |
29 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,480 | +0.446% | 982 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,285 | +0.349% | 760 | |
31 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,915 | +0.405% | 742 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,762 | +0.489% | 626 | |
33 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,806 | +0.630% | 587 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,164 | +0.455% | 4,175 | |
35 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,642 | +0.055% | 2,836 | |
36 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,986 | +0.709% | 2,431 | |
37 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,103 | +0.021% | 2,022 | |
38 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,595 | -0.123% | 1,261 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,319 | +0.270% | 1,103 | |
40 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,584 | +0.417% | 808 | |
41 | THE MORTGAGE FIRM, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,492 | +0.491% | 2,773 | |
42 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,792 | +0.499% | 1,343 | |
43 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,272 | +0.640% | 1,314 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,972 | +0.454% | 756 | |
45 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,304 | +0.460% | 618 | |
46 | A&D Mortgage LLC | Sound | Mediocre | Strong | Sound | Exceptional | $4,697 | +0.790% | 1,652 | |
47 | RMC HOME MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Exceptional | $4,148 | +0.107% | 1,176 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $4,838 | +0.432% | 884 | |
49 | JMAC LENDING, INC. | Sound | Acceptable | Strong | Acceptable | Strong | $2,785 | +0.359% | 613 | |
50 | Click n' Close, Inc. | Sound | Mediocre | Strong | Sound | Strong | $7,673 | +1.765% | 749 |
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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