Safe Rate Rankings

Best Conventional Mortgage Lenders in Lakeland

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 Lenders143

Total Loans13,226

Median Rate Spread0.31%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$948Fees	0.506%Below	80
2	Suncoast Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	Strong	$885Credit	0.819%Below	42
3	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,992Fees	0.445%Below	478
4	MIDFLORIDACredit Union	Exceptional	Strong	Strong	Sound	Exceptional	$953Fees	0.127%Above	288
5	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,254Fees	0.872%Below	268
6	First Heritage Mortgage, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,585Fees	0.651%Below	94
7	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,220Fees	0.142%Above	40
8	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,218Fees	0.022%Above	36
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,560Fees	0.293%Above	1,543
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,457Fees	0.313%Above	771
11	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$3,233Fees	0.166%Above	124
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,973Fees	0.275%Above	122
13	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,951Fees	0.024%Above	54
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,449Fees	0.324%Above	301
15	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,521Fees	0.200%Above	132
16	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$5,933Fees	0.055%Above	36
17	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,032Fees	0.570%Above	33
18	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$5,565Fees	0.807%Above	318
19	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,495Fees	0.267%Above	254
20	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,126Fees	0.413%Above	229
21	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,985Fees	0.266%Below	151
22	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,561Fees	0.237%Below	150
23	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,098Fees	0.580%Above	108
24	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,427Fees	0.453%Above	101
25	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,802Fees	0.591%Above	99
26	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,013Fees	0.391%Above	93
27	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,339Fees	0.631%Above	89
28	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,573Fees	0.327%Above	80
29	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,717Fees	0.047%Above	73
30	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,326Fees	0.332%Above	71
31	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,835Fees	0.535%Above	67
32	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,371Fees	0.322%Above	65
33	NFM, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,805Fees	0.366%Below	251
34	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,827Fees	0.346%Above	159
35	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$7,401Fees	0.076%Below	64
36	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,433Fees	0.859%Above	53
37	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,089Fees	0.279%Above	34
38	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,895Fees	0.310%Above	34
39	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,427Fees	0.399%Above	32
40	GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$4,156Fees	0.595%Above	302
41	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,106Fees	0.136%Above	195
42	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,014Fees	0.285%Above	181
43	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,146Fees	0.894%Above	96
44	Waterstone Mortgage CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,099Fees	0.597%Above	79
45	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,338Fees	0.317%Above	37
46	American Liberty Mortgage, IncorporatedIndependent Mortgage Company	Strong	Sound	Sound	Acceptable	Strong	$4,304Fees	0.585%Above	36
47	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$3,554Fees	0.508%Above	95
48	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,055Fees	0.873%Above	32
49	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Sound	$4,011Fees	0.806%Above	29

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.