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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 Mortgage Lenders in Lakeland
Updated February 5, 2026
Market Overview
143
Total Lenders
13,226
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | $2,326 | -1.245% | 104 | |
2 | PARK SQUARE HOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | $2,257 | -0.680% | 52 | |
3 | Suncoast Credit Union | Exceptional | Exceptional | Strong | Strong | -$885 | -0.819% | 42 | |
4 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $3,106 | +0.136% | 195 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $948 | -0.506% | 80 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,560 | +0.293% | 1,543 | |
7 | MIDFLORIDA | Strong | Strong | Sound | Exceptional | $953 | +0.127% | 288 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $3,254 | -0.872% | 268 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,992 | -0.445% | 478 | |
10 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $1,585 | -0.651% | 94 | |
11 | Truist Bank | Strong | Strong | Strong | Sound | $1,220 | +0.142% | 40 | |
12 | Bank of America, National Association | Strong | Strong | Strong | Sound | $2,218 | +0.022% | 36 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,457 | +0.313% | 771 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,495 | +0.267% | 254 | |
15 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,805 | -0.366% | 251 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $4,985 | -0.266% | 151 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,521 | +0.200% | 132 | |
18 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $3,233 | +0.166% | 124 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,973 | +0.275% | 122 | |
20 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $7,401 | -0.076% | 64 | |
21 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,951 | +0.024% | 54 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,449 | +0.324% | 301 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $4,561 | -0.237% | 150 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,098 | +0.580% | 108 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,427 | +0.453% | 101 | |
26 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Strong | $3,554 | +0.508% | 95 | |
27 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Strong | $4,889 | -0.383% | 77 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,717 | +0.047% | 73 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,835 | +0.535% | 67 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,371 | +0.322% | 65 | |
31 | American Liberty Mortgage, Incorporated | Strong | Sound | Sound | Strong | $4,304 | +0.585% | 36 | |
32 | Regions Bank | Strong | Sound | Strong | Sound | $2,089 | +0.279% | 34 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $5,565 | +0.807% | 318 | |
34 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,126 | +0.413% | 229 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,014 | +0.285% | 181 | |
36 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,358 | -0.220% | 111 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,802 | +0.591% | 99 | |
38 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,013 | +0.391% | 93 | |
39 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,543 | +0.589% | 90 | |
40 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $4,339 | +0.631% | 89 | |
41 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,573 | +0.327% | 80 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,326 | +0.332% | 71 | |
43 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $5,933 | +0.055% | 36 | |
44 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,827 | +0.346% | 159 | |
45 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $3,433 | +0.859% | 53 | |
46 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $3,338 | +0.317% | 37 | |
47 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,895 | +0.310% | 34 | |
48 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $3,961 | +1.056% | 33 | |
49 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,032 | +0.570% | 33 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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