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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 FHA 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 | PARK SQUARE HOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,257 | -0.680% | 52 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,106 | +0.136% | 195 | |
3 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $2,326 | -1.245% | 104 | |
4 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,585 | -0.651% | 94 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,560 | +0.293% | 1,543 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,254 | -0.872% | 268 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,495 | +0.267% | 254 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,992 | -0.445% | 478 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,521 | +0.200% | 132 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,457 | +0.313% | 771 | |
11 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,805 | -0.366% | 251 | |
12 | RMC HOME MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,358 | -0.220% | 111 | |
13 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $7,401 | -0.076% | 64 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,827 | +0.346% | 159 | |
15 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,554 | +0.508% | 95 | |
16 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,889 | -0.383% | 77 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,835 | +0.535% | 67 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,371 | +0.322% | 65 | |
19 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,895 | +0.310% | 34 | |
20 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,427 | +0.399% | 32 | |
21 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,156 | +0.595% | 302 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,985 | -0.266% | 151 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,561 | -0.237% | 150 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,098 | +0.580% | 108 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,427 | +0.453% | 101 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,802 | +0.591% | 99 | |
27 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,013 | +0.391% | 93 | |
28 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,543 | +0.589% | 90 | |
29 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,339 | +0.631% | 89 | |
30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,717 | +0.047% | 73 | |
31 | American Liberty Mortgage, Incorporated | Strong | Sound | Strong | Sound | Strong | $4,304 | +0.585% | 36 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,449 | +0.324% | 301 | |
33 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,146 | +0.894% | 96 | |
34 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,099 | +0.597% | 79 | |
35 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,433 | +0.859% | 53 | |
36 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,338 | +0.317% | 37 | |
37 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,961 | +1.056% | 33 | |
38 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,032 | +0.570% | 33 | |
39 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $5,565 | +0.807% | 318 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,326 | +0.332% | 71 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,498 | +0.629% | 38 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $5,933 | +0.055% | 36 | |
43 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $7,897 | +1.827% | 49 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,055 | +0.873% | 32 | |
45 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | 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 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.
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