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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 VA 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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $2,642 | +0.055% | 2,836 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,062 | -0.562% | 841 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,415 | +0.281% | 38,081 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,662 | +0.118% | 4,424 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,895 | +0.181% | 3,538 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,523 | -0.631% | 631 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,407 | +0.378% | 3,386 | |
8 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,473 | +0.263% | 2,971 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,471 | +0.244% | 2,579 | |
10 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,176 | +0.635% | 1,353 | |
11 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,914 | +0.359% | 1,134 | |
12 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,319 | +0.270% | 1,103 | |
13 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $566 | +0.275% | 1,062 | |
14 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,584 | +0.417% | 808 | |
15 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,500 | +0.023% | 5,290 | |
16 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,991 | +0.608% | 3,535 | |
17 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,830 | +0.390% | 3,238 | |
18 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,595 | -0.123% | 1,261 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,285 | +0.349% | 760 | |
20 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,915 | +0.405% | 742 | |
21 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,162 | +0.266% | 652 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427 | +0.268% | 21,334 | |
23 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,103 | +0.021% | 2,022 | |
24 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,123 | +0.368% | 1,516 | |
25 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $4,148 | +0.107% | 1,176 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,519 | +0.503% | 833 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,612 | +0.168% | 753 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161 | +0.526% | 7,983 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,164 | +0.455% | 4,175 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,798 | +0.481% | 2,782 | |
31 | OCMBC, INC. | Strong | Sound | Strong | Strong | Strong | $4,435 | +0.785% | 679 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,762 | +0.489% | 626 | |
33 | JMAC LENDING, INC. | Strong | Sound | Strong | Strong | Strong | $2,785 | +0.359% | 613 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,300 | +0.457% | 1,846 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,651 | +0.404% | 1,626 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,455 | +0.253% | 1,605 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,222 | +0.329% | 1,310 | |
38 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,000 | +0.433% | 1,274 | |
39 | COASTAL LOANS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $5,992 | +0.073% | 1,075 | |
40 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,986 | +0.709% | 2,431 | |
41 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,680 | +0.690% | 1,270 | |
42 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,480 | +0.446% | 982 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,838 | +0.432% | 884 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,972 | +0.454% | 756 | |
45 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,914 | +0.548% | 3,144 | |
46 | THE MORTGAGE FIRM, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,492 | +0.491% | 2,773 | |
47 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,792 | +0.499% | 1,343 | |
48 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,272 | +0.640% | 1,314 | |
49 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,806 | +0.630% | 587 |
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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