Safe Rate Rankings

Best Conventional Mortgage Lenders in Tampa

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 Lenders235

Total Loans34,175

Median Rate Spread0.28%

Tampa Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional lender in Tampa, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Tampa, 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 #1 in Tampa, 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 Tampa: Rocket Mortgage (#4) and United Wholesale Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Tampa

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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	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Acceptable*	Exceptional	Exceptional	Exceptional	$3,399Fees	0.235%Above	4,381
2	Suncoast Credit Union Credit UnionDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$751Credit	0.884%Below	501
3	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$805Fees	0.527%Below	398
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,496Fees	0.256%Above	2,421
5	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$697Fees	0.064%Above	257
6	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,374Fees	0.035%Below	182
7	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,431Fees	0.162%Above	479
8	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$2,005Fees	0.052%Below	219
9	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,943Fees	0.321%Below	564
10	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Strong	$1,811Fees	0.055%Below	145
11	TrustCo Bank BankDirect	Strong	Exceptional	Strong	Sound	Strong	$1,326Fees	0.236%Below	95
12	NJ LENDERS CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$5,041Fees	0.209%Above	76
13	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,883Fees	0.034%Above	524
14	GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$3,155Fees	0.432%Above	170
15	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,728Fees	0.445%Above	278
16	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,873Fees	0.003%Above	206
17	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,956Fees	0.467%Above	717
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,747Fees	0.461%Above	400
19	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,336Fees	0.115%Above	326
20	Regions Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,215Fees	0.111%Above	413
21	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,523Fees	0.292%Above	193
22	MIDFLORIDA Credit UnionDirect	Strong	Strong	Strong	Sound	Strong	$1,180Fees	0.007%Below	128
23	First Horizon Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,217Fees	0.049%Above	112
24	SouthState Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$3,170Fees	0.286%Above	107
25	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,356Fees	0.185%Above	402
26	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,925Fees	0.386%Above	338
27	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,807Fees	0.509%Above	260
28	MATTAMY HOME FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$895Fees	0.449%Above	230
29	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,291Fees	0.435%Above	174
30	HANCOCK WHITNEY BANK BankDirect	Strong	Strong	Strong	Strong	Strong	$1,788Fees	0.027%Below	105
31	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$591Fees	0.088%Above	74
32	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,662Fees	0.326%Above	468
33	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$1,369Fees	0.896%Below	127
34	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$3,379Fees	0.087%Above	125
35	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,742Fees	0.354%Above	122
36	M/I FINANCIAL, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$4,460Fees	0.221%Below	505
37	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,820Fees	0.331%Above	254
38	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,698Fees	0.298%Above	236
39	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,916Fees	0.527%Above	153
40	Grow Financial Federal Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Sound	Strong	$1,173Fees	0.929%Below	88
41	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$4,292Fees	0.623%Above	328
42	THE MORTGAGE FIRM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Strong	Strong	$3,371Fees	0.528%Above	294
43	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Sound	Exceptional	$2,936Fees	0.019%Above	711
44	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Sound	Strong	$2,346Fees	0.286%Above	275
45	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,472Fees	0.309%Above	144
46	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,580Fees	0.306%Above	84
47	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$4,026Fees	0.745%Above	367
48	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,548Fees	0.743%Above	159
49	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,982Fees	0.572%Above	276
50	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,886Fees	0.304%Above	185

❓ Frequently Asked Questions

How are mortgage lenders ranked in Tampa, FL?+

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 Tampa, FL), 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 Tampa, FL?+

Based on 2024 HMDA data, 235 lenders originated a combined 34,175 loans in Tampa, FL. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Tampa, FL?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Tampa, FL is 0.28%. 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 Tampa, FL'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.