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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 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 | 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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $828 | -0.499% | 3,310 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,662 | +0.118% | 4,424 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,895 | +0.181% | 3,538 | |
7 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,570 | +0.236% | 1,655 | |
8 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $831 | +0.071% | 872 | |
9 | University Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,326 | +0.092% | 796 | |
10 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,584 | +0.108% | 685 | |
11 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,711 | -0.052% | 651 | |
12 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,523 | -0.631% | 631 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,670 | +0.197% | 4,800 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,407 | +0.378% | 3,386 | |
15 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,473 | +0.263% | 2,971 | |
16 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,471 | +0.244% | 2,579 | |
17 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $910 | +0.042% | 1,658 | |
18 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,176 | +0.635% | 1,353 | |
19 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,914 | +0.359% | 1,134 | |
20 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,319 | +0.270% | 1,103 | |
21 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $566 | +0.275% | 1,062 | |
22 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,584 | +0.417% | 808 | |
23 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,500 | +0.023% | 5,290 | |
24 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,991 | +0.608% | 3,535 | |
25 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,830 | +0.390% | 3,238 | |
26 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,266 | +0.357% | 2,796 | |
27 | Plains Commerce Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,381 | +0.426% | 1,767 | |
28 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,595 | -0.123% | 1,261 | |
29 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $2,520 | +0.231% | 1,255 | |
30 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,724 | -0.152% | 821 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,285 | +0.349% | 760 | |
32 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,915 | +0.405% | 742 | |
33 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,393 | -0.071% | 726 | |
34 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,162 | +0.266% | 652 | |
35 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427 | +0.268% | 21,334 | |
36 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $2,202 | -0.023% | 2,427 | |
37 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,103 | +0.021% | 2,022 | |
38 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,221 | +0.078% | 1,767 | |
39 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,123 | +0.368% | 1,516 | |
40 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $4,148 | +0.107% | 1,176 | |
41 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,519 | +0.503% | 833 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,612 | +0.168% | 753 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161 | +0.526% | 7,983 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,164 | +0.455% | 4,175 | |
45 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,798 | +0.481% | 2,782 | |
46 | Regions Bank | Strong | Sound | Strong | Sound | Exceptional | $2,339 | +0.216% | 2,282 | |
47 | Bank of England | Strong | Sound | Strong | Strong | Strong | $2,967 | +0.298% | 785 | |
48 | OCMBC, INC. | Strong | Sound | Strong | Strong | Strong | $4,435 | +0.785% | 679 | |
49 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,762 | +0.489% | 626 | |
50 | JMAC LENDING, INC. | Strong | Sound | Strong | Strong | Strong | $2,785 | +0.359% | 613 |
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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