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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 VA Mortgage Company Lenders in Lakeland
Updated February 5, 2026
Market Overview
37
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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $3,106 | +0.136% | 195 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,560 | +0.293% | 1,543 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,254 | -0.872% | 268 | |
4 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $2,326 | -1.245% | 104 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,495 | +0.267% | 254 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $4,985 | -0.266% | 151 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,521 | +0.200% | 132 | |
8 | PARK SQUARE HOME MORTGAGE, LLC | Exceptional | Exceptional | Sound | Strong | Strong | $2,257 | -0.680% | 52 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,992 | -0.445% | 478 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,561 | -0.237% | 150 | |
11 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,098 | +0.580% | 108 | |
12 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,585 | -0.651% | 94 | |
13 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $3,338 | +0.317% | 37 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,457 | +0.313% | 771 | |
15 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,805 | -0.366% | 251 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,827 | +0.346% | 159 | |
17 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $4,802 | +0.591% | 99 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,449 | +0.324% | 301 | |
19 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $3,358 | -0.220% | 111 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,835 | +0.535% | 67 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,014 | +0.285% | 181 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,427 | +0.453% | 101 | |
23 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,013 | +0.391% | 93 | |
24 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,339 | +0.631% | 89 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,717 | +0.047% | 73 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,326 | +0.332% | 71 | |
27 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,371 | +0.322% | 65 | |
28 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Strong | Exceptional | Exceptional | $4,156 | +0.595% | 302 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,543 | +0.589% | 90 | |
30 | COASTAL LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,889 | -0.383% | 77 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $5,565 | +0.807% | 318 | |
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 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,498 | +0.629% | 38 | |
35 | THE MORTGAGE FIRM, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,554 | +0.508% | 95 | |
36 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,976 | +0.802% | 31 |
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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