🛡️
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 Conventional Mortgage Company Lenders in Lakeland
Updated February 5, 2026
Market Overview
47
Total Lenders
13,226
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,992 | -0.445% | 478 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,254 | -0.872% | 268 | |
3 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,585 | -0.651% | 94 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,560 | +0.293% | 1,543 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,457 | +0.313% | 771 | |
6 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,449 | +0.324% | 301 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,521 | +0.200% | 132 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $5,933 | +0.055% | 36 | |
9 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,032 | +0.570% | 33 | |
10 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $5,565 | +0.807% | 318 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,495 | +0.267% | 254 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,985 | -0.266% | 151 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,561 | -0.237% | 150 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,098 | +0.580% | 108 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,427 | +0.453% | 101 | |
16 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,802 | +0.591% | 99 | |
17 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,013 | +0.391% | 93 | |
18 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,339 | +0.631% | 89 | |
19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,717 | +0.047% | 73 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,326 | +0.332% | 71 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,835 | +0.535% | 67 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,371 | +0.322% | 65 | |
23 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,805 | -0.366% | 251 | |
24 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,827 | +0.346% | 159 | |
25 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $7,401 | -0.076% | 64 | |
26 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,433 | +0.859% | 53 | |
27 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,895 | +0.310% | 34 | |
28 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,427 | +0.399% | 32 | |
29 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Strong | Strong | Exceptional | $4,156 | +0.595% | 302 | |
30 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,106 | +0.136% | 195 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,014 | +0.285% | 181 | |
32 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,146 | +0.894% | 96 | |
33 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $5,099 | +0.597% | 79 | |
34 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,338 | +0.317% | 37 | |
35 | American Liberty Mortgage, Incorporated | Strong | Sound | Sound | Acceptable | Strong | $4,304 | +0.585% | 36 | |
36 | THE MORTGAGE FIRM, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,554 | +0.508% | 95 | |
37 | PARK SQUARE HOME MORTGAGE, LLC | Sound | Sound | Acceptable | Acceptable | Strong | $2,257 | -0.680% | 52 | |
38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,055 | +0.873% | 32 | |
39 | RMC HOME MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Strong | $3,358 | -0.220% | 111 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $5,498 | +0.629% | 38 | |
41 | A&D Mortgage LLC | Sound | Mediocre | Strong | Sound | Sound | $3,564 | +0.641% | 36 | |
42 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Sound | $4,546 | +0.686% | 34 | |
43 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $3,961 | +1.056% | 33 | |
44 | Equity Prime Mortgage LLC | Sound | Mediocre | Sound | Acceptable | Strong | $3,543 | +0.589% | 90 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
LakelandConventional
No credit impact
3-minute process
100% free