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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 Company Lenders in Lakeland
Updated February 5, 2026
Market Overview
50
Total Lenders
11,858
Total Loans
0.37%
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 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $3,106 | +0.136% | 195 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,560 | +0.293% | 1,543 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $3,254 | -0.872% | 268 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,992 | -0.445% | 478 | |
7 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $1,585 | -0.651% | 94 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,457 | +0.313% | 771 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,495 | +0.267% | 254 | |
10 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,805 | -0.366% | 251 | |
11 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $4,985 | -0.266% | 151 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,521 | +0.200% | 132 | |
13 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $7,401 | -0.076% | 64 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,449 | +0.324% | 301 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $4,561 | -0.237% | 150 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,098 | +0.580% | 108 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,427 | +0.453% | 101 | |
18 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Strong | $3,554 | +0.508% | 95 | |
19 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Strong | $4,889 | -0.383% | 77 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,717 | +0.047% | 73 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,835 | +0.535% | 67 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,371 | +0.322% | 65 | |
23 | American Liberty Mortgage, Incorporated | Strong | Sound | Sound | Strong | $4,304 | +0.585% | 36 | |
24 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $5,565 | +0.807% | 318 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,014 | +0.285% | 181 | |
26 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,358 | -0.220% | 111 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,802 | +0.591% | 99 | |
28 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,013 | +0.391% | 93 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,543 | +0.589% | 90 | |
30 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $4,339 | +0.631% | 89 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,326 | +0.332% | 71 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $5,933 | +0.055% | 36 | |
33 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Exceptional | $4,156 | +0.595% | 302 | |
34 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,827 | +0.346% | 159 | |
35 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $4,146 | +0.894% | 96 | |
36 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $3,433 | +0.859% | 53 | |
37 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $3,338 | +0.317% | 37 | |
38 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,895 | +0.310% | 34 | |
39 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $3,961 | +1.056% | 33 | |
40 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,032 | +0.570% | 33 | |
41 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $3,427 | +0.399% | 32 | |
42 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $5,099 | +0.597% | 79 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $5,498 | +0.629% | 38 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $5,055 | +0.873% | 32 | |
45 | Click n' Close, Inc. | Sound | Mediocre | Sound | Sound | $7,897 | +1.827% | 49 | |
46 | A&D Mortgage LLC | Sound | Mediocre | Sound | Sound | $3,564 | +0.641% | 36 | |
47 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Sound | Sound | $4,546 | +0.686% | 34 |
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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