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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 USDA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,415 | +0.281% | 38,081 | |
2 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,830 | +0.390% | 3,238 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,642 | +0.055% | 2,836 | |
4 | Plains Commerce Bank | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,381 | +0.426% | 1,767 | |
5 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,651 | +0.404% | 1,626 | |
6 | University Bank | Exceptional | Strong | Exceptional | Strong | Strong | $2,326 | +0.092% | 796 | |
7 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,991 | +0.608% | 3,535 | |
8 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,473 | +0.263% | 2,971 | |
9 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,570 | +0.236% | 1,655 | |
10 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,176 | +0.635% | 1,353 | |
11 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,914 | +0.359% | 1,134 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,519 | +0.503% | 833 | |
13 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Sound | Strong | $1,584 | +0.417% | 808 | |
14 | First Federal Bank | Strong | Exceptional | Sound | Mediocre | Strong | $1,711 | -0.052% | 651 | |
15 | Regions Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,339 | +0.216% | 2,282 | |
16 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,000 | +0.433% | 1,274 | |
17 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,680 | +0.690% | 1,270 | |
18 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,480 | +0.446% | 982 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,161 | +0.526% | 7,983 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,407 | +0.378% | 3,386 | |
21 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,986 | +0.709% | 2,431 | |
22 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | — | Strong | Exceptional | $4,148 | +0.107% | 1,176 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,798 | +0.481% | 2,782 | |
24 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Sound | Sound | Exceptional | $3,492 | +0.491% | 2,773 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $3,300 | +0.457% | 1,846 | |
26 | 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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