🛡️
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 Mortgage Lenders in Orlando
Updated February 5, 2026
Market Overview
248
Total Lenders
34,597
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $1,448 | -0.501% | 193 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | $2,982 | +0.151% | 715 | |
3 | PARK SQUARE HOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | $2,704 | -0.520% | 140 | |
4 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | $2,264 | -1.275% | 132 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $619 | -0.433% | 303 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,618 | -0.113% | 172 | |
7 | TrustCo Bank | Exceptional | Exceptional | Sound | Strong | $1,286 | -0.336% | 87 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,644 | +0.306% | 4,820 | |
9 | Citizens First Bank | Strong | Sound | Exceptional | Exceptional | $1,343 | +0.394% | 451 | |
10 | FAIRWINDS CREDIT UNION | Strong | Strong | Sound | Exceptional | $1,638 | +0.062% | 308 | |
11 | Truist Bank | Strong | Strong | Strong | Strong | $1,117 | +0.071% | 269 | |
12 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,713 | -0.132% | 222 | |
13 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,459 | -0.282% | 209 | |
14 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $129 | -0.005% | 186 | |
15 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $549 | +0.005% | 141 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,256 | +0.079% | 111 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,713 | +0.143% | 727 | |
18 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,375 | -0.087% | 289 | |
19 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,176 | -0.563% | 173 | |
20 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $1,858 | -0.432% | 118 | |
21 | City National Bank of Florida | Strong | Strong | Sound | Strong | $2,328 | -0.693% | 104 | |
22 | SPACE COAST CREDIT UNION | Strong | Strong | Sound | Strong | $316 | -0.299% | 77 | |
23 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $1,913 | +0.143% | 75 | |
24 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,583 | +0.233% | 2,512 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,979 | -0.062% | 542 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $4,462 | +0.374% | 510 | |
27 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,034 | +0.217% | 507 | |
28 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,746 | +0.399% | 490 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,866 | +0.228% | 384 | |
30 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $3,188 | +0.196% | 270 | |
31 | Regions Bank | Strong | Sound | Strong | Strong | $1,868 | +0.277% | 179 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,631 | +0.488% | 728 | |
33 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,026 | -0.247% | 488 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,437 | +0.522% | 359 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,146 | +0.419% | 245 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,224 | +0.262% | 225 | |
37 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,263 | +0.272% | 174 | |
38 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,273 | +0.476% | 171 | |
39 | PARTNERS Federal Credit Union | Strong | Sound | Sound | Strong | $3,341 | -0.205% | 105 | |
40 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,507 | -0.180% | 99 | |
41 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,542 | +0.276% | 95 | |
42 | TD Bank, National Association | Strong | Sound | Sound | Strong | $1,223 | +0.246% | 88 | |
43 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,885 | +0.504% | 85 | |
44 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $5,188 | -0.125% | 363 | |
45 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,896 | +0.597% | 360 | |
46 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,696 | +0.281% | 351 | |
47 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,440 | +0.394% | 324 | |
48 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,890 | +0.372% | 305 | |
49 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $4,129 | +0.443% | 239 | |
50 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,081 | +0.265% | 204 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Orlando
No credit impact
3-minute process
100% free