# Best Conventional Mortgage Lenders in Lakeland

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

Compare the top Conventional mortgage lenders in Lakeland. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Suncoast Credit Union | 85 | 98 | 62 | 42 | Credit Union |
| 2 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 478 | Independent Mortgage Company |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 45 | 68 | 268 | Independent Mortgage Company |
| 4 | First Heritage Mortgage, LLC | 83 | 47 | 81 | 94 | Independent Mortgage Company |
| 5 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 80 | Credit Union |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 1,543 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 771 | Independent Mortgage Company |
| 8 | MIDFLORIDA | 79 | 62 | 56 | 288 | Credit Union |
| 9 | SouthState Bank, National Association | 79 | 48 | 72 | 124 | Bank |
| 10 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 122 | Bank |
| 11 | Truist Bank | 79 | 71 | 69 | 40 | Bank |
| 12 | Bank of America, National Association | 79 | 71 | 67 | 36 | Bank |
| 13 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 301 | Independent Mortgage Company |
| 14 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 132 | Independent Mortgage Company |
| 15 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 54 | Bank |
| 16 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 33 | Independent Mortgage Company |
| 17 | Plains Commerce Bank | 71 | 35 | 64 | 229 | Bank |
| 18 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 151 | Independent Mortgage Company |
| 19 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 150 | Independent Mortgage Company |
| 20 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 108 | Independent Mortgage Company |
| 21 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 101 | Independent Mortgage Company |
| 22 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 99 | Independent Mortgage Company |
| 23 | LOWER, LLC | 71 | 33 | 66 | 93 | Independent Mortgage Company |
| 24 | STOCKTON MORTGAGE CORPORATION | 71 | 29 | 65 | 89 | Independent Mortgage Company |
| 25 | Flagstar Bank, N.A. | 71 | 34 | 72 | 80 | Bank |
| 26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 20 | 78 | 73 | Independent Mortgage Company |
| 27 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 71 | Independent Mortgage Company |
| 28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 67 | Independent Mortgage Company |
| 29 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 65 | Independent Mortgage Company |
| 30 | NEW AMERICAN FUNDING, LLC | 70 | 26 | 60 | 318 | Independent Mortgage Company |
| 31 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 254 | Independent Mortgage Company |
| 32 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 36 | Independent Mortgage Company |
| 33 | INSPIRE HOME LOANS INC. | 67 | 40 | 61 | 64 | Independent Mortgage Company |
| 34 | NEWREZ LLC | 66 | 31 | 58 | 159 | Independent Mortgage Company |
| 35 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 29 | 63 | 53 | Independent Mortgage Company |
| 36 | Regions Bank | 66 | 39 | 64 | 34 | Bank |
| 37 | KIND LENDING, LLC | 66 | 31 | 66 | 34 | Independent Mortgage Company |
| 38 | THE LOAN STORE, INC. | 66 | 39 | 71 | 32 | Independent Mortgage Company |
| 39 | NFM, INC. | 63 | 19 | 77 | 251 | Independent Mortgage Company |
| 40 | FBC MORTGAGE, LLC | 63 | 36 | 60 | 195 | Independent Mortgage Company |
| 41 | Mortgage Research Center, LLC | 63 | 34 | 43 | 181 | Independent Mortgage Company |
| 42 | GUARANTEED RATE AFFINITY, LLC | 62 | 32 | 54 | 37 | Independent Mortgage Company |
| 43 | GARDNER FINANCIAL SERVICES, LTD. | 60 | 14 | 65 | 302 | Independent Mortgage Company |
| 44 | EVERETT FINANCIAL, INC. | 60 | 13 | 71 | 96 | Independent Mortgage Company |
| 45 | Waterstone Mortgage Corporation | 60 | 17 | 72 | 79 | Independent Mortgage Company |
| 46 | American Liberty Mortgage, Incorporated | 58 | 41 | 40 | 36 | Independent Mortgage Company |
| 47 | THE MORTGAGE FIRM, INC. | 57 | 20 | 73 | 95 | Independent Mortgage Company |
| 48 | HOME SOLUTION LENDERS INC. | 56 | N/A | 67 | 298 | Independent Mortgage Company |
| 49 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 56 | 16 | 69 | 32 | Independent Mortgage Company |
| 50 | Ixonia Bank | 56 | 19 | 71 | 29 | Bank |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.