Safe Rate Rankings

Best Conventional Mortgage Lenders in Fort lauderdale

Updated May 23, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders163

Total Loans17,885

Median Rate Spread0.38%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,105Fees	0.288%Below	103
2	FIRSTBANK PUERTO RICOBank	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,564Fees	0.002%Above	99
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,386Fees	0.228%Below	159
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$539Fees	0.653%Below	79
5	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,968Fees	0.146%Below	72
6	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,047Fees	0.177%Above	724
7	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,527Fees	0.188%Below	175
8	City National Bank of FloridaBank	Exceptional	Exceptional	Sound	Sound	Strong	$1,977Fees	0.341%Below	108
9	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,720Fees	0.111%Above	79
10	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$508Fees	0.491%Below	73
11	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$759Fees	0.141%Below	47
12	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,984Fees	0.441%Above	4,195
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$5,015Fees	0.282%Above	1,490
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,763Fees	0.361%Above	230
15	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,529Fees	0.164%Above	83
16	SPACE COAST CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Strong	$929Fees	0.132%Above	83
17	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,933Fees	0.162%Below	45
18	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,991Fees	0.660%Above	762
19	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,680Fees	0.317%Above	336
20	POINT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$5,494Fees	0.582%Above	97
21	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,839Fees	0.480%Above	65
22	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,028Fees	0.298%Above	47
23	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$4,260Fees	0.571%Above	288
24	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,819Fees	0.151%Above	231
25	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,982Fees	0.528%Above	213
26	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,748Fees	0.414%Above	213
27	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,109Fees	0.237%Above	199
28	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,032Fees	0.575%Above	180
29	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$4,250Fees	0.494%Above	137
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,155Fees	0.447%Above	136
31	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,688Fees	0.229%Above	103
32	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,262Fees	0.349%Above	93
33	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,906Fees	0.244%Above	92
34	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,416Fees	0.377%Above	86
35	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,473Fees	0.707%Above	84
36	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,533Fees	0.614%Above	79
37	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$733Fees	0.288%Above	74
38	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,526Fees	0.539%Above	277
39	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,286Fees	0.463%Above	56
40	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,120Fees	0.503%Above	54
41	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,718Fees	0.606%Above	45
42	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,061Fees	0.376%Above	45
43	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,686Fees	0.338%Above	40
44	NFM, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,285Fees	0.305%Below	164
45	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,215Fees	0.799%Above	106
46	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,763Fees	0.222%Above	58
47	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,890Fees	0.448%Above	54
48	BELEM SERVICING LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$5,546Fees	0.528%Above	41
49	RIGHT START MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$6,032Fees	1.181%Above	125
50	FBC MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,922Fees	0.190%Below	73

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.