Safe Rate Rankings

Best Mortgage Lenders in Orlando

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 Lenders248

Total Loans34,597

Median Rate Spread0.31%

Orlando Market Insights

Velocio Mortgage is Safe Rate's top-ranked lender in Orlando, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Orlando: Bank: Citizens First Bank (#7). Credit union: Navy Federal Credit Union (#6). Mortgage company: Velocio Mortgage (#1).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Orlando, Velocio Mortgage and Navy Federal Credit Union scores highest on 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 Orlando, 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 Orlando: Rocket Mortgage (#9) and United Wholesale Mortgage (#2).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VELOCIO MORTGAGE L.L.C. Independent Mortgage CompanyDirect	Exceptional	Exceptional	Exceptional	Strong	$1,448Fees	0.501%Below	193
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$3,644Fees	0.306%Above	4,820
3	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Exceptional	$2,982Fees	0.151%Above	715
4	PARK SQUARE HOME MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Strong	$2,704Fees	0.520%Below	140
5	TRAILBLAZER MORTGAGE L.L.C. Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Strong	$2,264Fees	1.275%Below	132
6	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$619Fees	0.433%Below	303
7	Citizens First Bank BankDirect	Strong	Sound	Exceptional	Exceptional	$1,343Fees	0.394%Above	451
8	JET HOMELOANS, LP Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	$2,459Fees	0.282%Below	209
9	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,583Fees	0.233%Above	2,512
10	Bank of America, National Association BankDirect	Strong	Strong	Strong	Strong	$1,713Fees	0.132%Below	222
11	MATTAMY HOME FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	$129Fees	0.005%Below	186
12	Truist Bank BankDirect	Strong	Strong	Strong	Strong	$1,117Fees	0.071%Above	269
13	First Heritage Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	$2,176Fees	0.563%Below	173
14	ALKAN MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	—	Strong	Exceptional	—	—	321
15	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Strong	$1,256Fees	0.079%Above	111
16	TrustCo Bank BankDirect	Strong	Exceptional	Sound	Strong	$1,286Fees	0.336%Below	87
17	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Strong	$1,618Fees	0.113%Below	172
18	City National Bank of Florida BankDirect	Strong	Strong	Sound	Strong	$2,328Fees	0.693%Below	104
19	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$2,713Fees	0.143%Above	727
20	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,979Fees	0.062%Below	542
21	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,034Fees	0.217%Above	507
22	FAIRWINDS CREDIT UNION Credit UnionDirect	Strong	Strong	Sound	Exceptional	$1,638Fees	0.062%Above	308
23	SouthState Bank, National Association BankDirect	Strong	Sound	Strong	Strong	$3,188Fees	0.196%Above	270
24	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	$1,858Fees	0.432%Below	118
25	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,866Fees	0.228%Above	384
26	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Strong	$2,375Fees	0.087%Below	289
27	SPACE COAST CREDIT UNION Credit UnionDirect	Strong	Strong	Sound	Strong	$316Fees	0.299%Below	77
28	M/I FINANCIAL, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$5,188Fees	0.125%Below	363
29	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$4,462Fees	0.374%Above	510
30	NFM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,026Fees	0.247%Below	488
31	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,437Fees	0.522%Above	359
32	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Strong	Strong	$3,440Fees	0.394%Above	324
33	Fifth Third Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$549Fees	0.005%Above	141
34	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Sound	$1,913Fees	0.143%Above	75
35	THE MORTGAGE FIRM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,746Fees	0.399%Above	490
36	NORTHPOINT MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$1,623Fees	0.232%Above	176
37	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	$3,017Fees	0.341%Above	151
38	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Strong	Strong	$3,890Fees	0.372%Above	305
39	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,263Fees	0.272%Above	174
40	AMWEST FUNDING CORP. Independent Mortgage CompanyWholesale	Strong	—	Strong	Strong	—	—	133
41	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$2,542Fees	0.276%Above	95
42	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Exceptional	$4,631Fees	0.488%Above	728
43	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$2,696Fees	0.281%Above	351
44	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$3,146Fees	0.419%Above	245
45	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$3,224Fees	0.262%Above	225
46	Waterstone Mortgage Corporation Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$4,562Fees	0.394%Above	369
47	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$3,896Fees	0.597%Above	360
48	Regions Bank BankDirect	Sound	Sound	Strong	Strong	$1,868Fees	0.277%Above	179
49	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	$2,822Fees	0.433%Above	113
50	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$4,129Fees	0.443%Above	239

❓ Frequently Asked Questions

How are mortgage lenders ranked in Orlando?+

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 Orlando), 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 Orlando?+

Based on 2024 HMDA data, 248 lenders originated a combined 34,597 loans in Orlando. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

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

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Orlando 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 Orlando'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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

⚖️ 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.