Safe Rate Rankings

Best Conventional Mortgage Lenders in Florida

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders604

Total Loans290,958

Median Rate Spread0.31%

Florida Market Insights

Lake Michigan Credit Union is Safe Rate's top-ranked Conventional lender in Florida, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Florida, Suncoast Credit Union and Navy Federal Credit Union scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Florida, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Florida: Rocket Mortgage (#5) and United Wholesale Mortgage (#2).

Explore Rankings by Type

Overall Rankings

All lenders in Florida

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	LAKE MICHIGAN CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$1,393Fees	0.071%Below	726
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Acceptable*	Exceptional	Exceptional	Exceptional	$3,415Fees	0.281%Above	38,081
3	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$828Fees	0.499%Below	3,310
4	Suncoast Credit Union Credit UnionDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$710Credit	0.847%Below	1,473
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,427Fees	0.268%Above	21,334
6	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$910Fees	0.042%Above	1,658
7	Citizens First Bank BankDirect	Strong	Sound	Exceptional	Exceptional	Exceptional	$1,311Fees	0.417%Above	1,851
8	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,221Fees	0.078%Above	1,767
9	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,670Fees	0.197%Above	4,800
10	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,723Fees	0.145%Below	2,030
11	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	Strong	$356Fees	0.414%Below	726
12	SPACE COAST CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Sound	Exceptional	$451Fees	0.120%Below	1,012
13	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Strong	$1,709Fees	0.085%Below	1,003
14	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,500Fees	0.023%Above	5,290
15	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,407Fees	0.378%Above	3,386
16	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Exceptional	$2,202Fees	0.023%Below	2,427
17	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,473Fees	0.263%Above	2,971
18	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,570Fees	0.236%Above	1,655
19	SouthState Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,520Fees	0.231%Above	1,255
20	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,161Fees	0.526%Above	7,983
21	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$3,266Fees	0.357%Above	2,796
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,798Fees	0.481%Above	2,782
23	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$831Fees	0.071%Above	872
24	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,471Fees	0.244%Above	2,579
25	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,123Fees	0.368%Above	1,516
26	MIDFLORIDA Credit UnionDirect	Strong	Strong	Strong	Sound	Exceptional	$1,031Fees	0.041%Above	938
27	First Horizon Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,584Fees	0.108%Above	685
28	First Federal Bank BankDirect	Strong	Strong	Strong	Sound	Strong	$1,711Fees	0.052%Below	651
29	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Exceptional	$1,895Fees	0.181%Above	3,538
30	Regions Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,339Fees	0.216%Above	2,282
31	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,651Fees	0.404%Above	1,626
32	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,915Fees	0.405%Above	742
33	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,162Fees	0.266%Above	652
34	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,300Fees	0.457%Above	1,846
35	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$3,381Fees	0.426%Above	1,767
36	MATTAMY HOME FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$566Fees	0.275%Above	1,062
37	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$2,612Fees	0.168%Above	753
38	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Exceptional	$2,830Fees	0.390%Above	3,238
39	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,103Fees	0.021%Above	2,022
40	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,222Fees	0.329%Above	1,310
41	JET HOMELOANS, LP Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$2,062Fees	0.562%Below	841
42	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,285Fees	0.349%Above	760
43	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,523Fees	0.631%Below	631
44	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,762Fees	0.489%Above	626
45	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,914Fees	0.548%Above	3,144
46	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Sound	Exceptional	$2,642Fees	0.055%Above	2,836
47	THE MORTGAGE FIRM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Strong	Exceptional	$3,492Fees	0.491%Above	2,773
48	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,000Fees	0.433%Above	1,274
49	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,519Fees	0.503%Above	833
50	University Bank BankDirect	Strong	Acceptable	Strong	Strong	Strong	$2,326Fees	0.092%Above	796

❓ Frequently Asked Questions

How are mortgage lenders ranked in Florida?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Florida), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Florida?+

Based on 2024 HMDA data, 604 lenders originated a combined 290,958 loans in Florida. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Florida?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Florida is 0.31%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Florida's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.