# Best Mortgage Lenders in Lakeland

**As of:** 2026-05-23

Compare the top mortgage lenders in Lakeland. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/lakeland/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 143
- **Total Loans:** 13,226
- **Median Rate Spread:** 0.3137676056338028%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 195 | Independent Mortgage Company |
| 2 | TRAILBLAZER MORTGAGE L.L.C. | 86 | 92 | 65 | 104 | Independent Mortgage Company |
| 3 | PARK SQUARE HOME MORTGAGE, LLC | 86 | 89 | 66 | 52 | Independent Mortgage Company |
| 4 | Suncoast Credit Union | 86 | 98 | 61 | 42 | Credit Union |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 1,543 | Independent Mortgage Company |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 84 | 51 | 82 | 268 | Independent Mortgage Company |
| 7 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 478 | Independent Mortgage Company |
| 8 | MIDFLORIDA | 78 | 62 | 44 | 288 | Credit Union |
| 9 | First Heritage Mortgage, LLC | 78 | 51 | 89 | 94 | Independent Mortgage Company |
| 10 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 80 | Credit Union |
| 11 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 771 | Independent Mortgage Company |
| 12 | NFM, INC. | 74 | 23 | 87 | 251 | Independent Mortgage Company |
| 13 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 254 | Independent Mortgage Company |
| 14 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 151 | Independent Mortgage Company |
| 15 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 132 | Independent Mortgage Company |
| 16 | SouthState Bank, National Association | 73 | 49 | 73 | 124 | Bank |
| 17 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 122 | Bank |
| 18 | INSPIRE HOME LOANS INC. | 73 | 43 | 75 | 64 | Independent Mortgage Company |
| 19 | Truist Bank | 73 | 70 | 68 | 40 | Bank |
| 20 | Bank of America, National Association | 73 | 73 | 75 | 36 | Bank |
| 21 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 301 | Independent Mortgage Company |
| 22 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 150 | Independent Mortgage Company |
| 23 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 108 | Independent Mortgage Company |
| 24 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 101 | Independent Mortgage Company |
| 25 | THE MORTGAGE FIRM, INC. | 68 | 20 | 81 | 95 | Independent Mortgage Company |
| 26 | COASTAL LOANS, LLC | 68 | 22 | 84 | 77 | Independent Mortgage Company |
| 27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 68 | 26 | 87 | 73 | Independent Mortgage Company |
| 28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 67 | Independent Mortgage Company |
| 29 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 65 | Independent Mortgage Company |
| 30 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 54 | Bank |
| 31 | Regions Bank | 66 | 41 | 64 | 34 | Bank |
| 32 | American Liberty Mortgage, Incorporated | 66 | 41 | 50 | 36 | Independent Mortgage Company |
| 33 | Plains Commerce Bank | 63 | 37 | 67 | 229 | Bank |
| 34 | Mortgage Research Center, LLC | 63 | 34 | 70 | 181 | Independent Mortgage Company |
| 35 | RMC HOME MORTGAGE, LLC | 63 | 26 | 64 | 111 | Independent Mortgage Company |
| 36 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 99 | Independent Mortgage Company |
| 37 | LOWER, LLC | 63 | 30 | 71 | 93 | Independent Mortgage Company |
| 38 | Equity Prime Mortgage LLC | 63 | 20 | 66 | 90 | Independent Mortgage Company |
| 39 | STOCKTON MORTGAGE CORPORATION | 63 | 27 | 70 | 89 | Independent Mortgage Company |
| 40 | Flagstar Bank, N.A. | 63 | 40 | 76 | 80 | Bank |
| 41 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 71 | Independent Mortgage Company |
| 42 | NEW AMERICAN FUNDING, LLC | 62 | 22 | 60 | 318 | Independent Mortgage Company |
| 43 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 36 | Independent Mortgage Company |
| 44 | HOME SOLUTION LENDERS INC. | 58 | N/A | 81 | 298 | Independent Mortgage Company |
| 45 | NEWREZ LLC | 58 | 35 | 59 | 159 | Independent Mortgage Company |
| 46 | AMERICAN FINANCIAL NETWORK, INC. | 58 | 28 | 71 | 53 | Independent Mortgage Company |
| 47 | GUARANTEED RATE AFFINITY, LLC | 58 | 33 | 60 | 37 | Independent Mortgage Company |
| 48 | KIND LENDING, LLC | 58 | 39 | 73 | 34 | Independent Mortgage Company |
| 49 | PLAZA HOME MORTGAGE, INC. | 58 | 36 | 69 | 33 | Independent Mortgage Company |
| 50 | OCMBC, INC. | 58 | 21 | 64 | 33 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Lakeland.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.