# Best Mortgage Lenders in Orlando

**As of:** 2026-05-23

Compare the top mortgage lenders in Orlando. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/orlando/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 248
- **Total Loans:** 34,597
- **Median Rate Spread:** 0.30975103734439835%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FBC MORTGAGE, LLC | 93 | 60 | 83 | 715 | Independent Mortgage Company |
| 2 | VELOCIO MORTGAGE L.L.C. | 93 | 96 | 85 | 193 | Independent Mortgage Company |
| 3 | PARK SQUARE HOME MORTGAGE, LLC | 86 | 89 | 66 | 140 | Independent Mortgage Company |
| 4 | TRAILBLAZER MORTGAGE L.L.C. | 86 | 92 | 65 | 132 | Independent Mortgage Company |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 4,820 | Independent Mortgage Company |
| 6 | Citizens First Bank | 84 | 52 | 83 | 451 | Bank |
| 7 | Truist Bank | 80 | 70 | 68 | 269 | Bank |
| 8 | Bank of America, National Association | 80 | 73 | 75 | 222 | Bank |
| 9 | JET HOMELOANS, LP | 80 | 71 | 77 | 209 | Independent Mortgage Company |
| 10 | MATTAMY HOME FUNDING, LLC | 80 | 66 | 76 | 186 | Independent Mortgage Company |
| 11 | Fifth Third Bank, National Association | 80 | 62 | 62 | 141 | Bank |
| 12 | U.S. Bank National Association | 80 | 75 | 71 | 111 | Bank |
| 13 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 727 | Bank |
| 14 | FAIRWINDS CREDIT UNION | 78 | 68 | 46 | 308 | Credit Union |
| 15 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 303 | Credit Union |
| 16 | First Heritage Mortgage, LLC | 78 | 51 | 89 | 173 | Independent Mortgage Company |
| 17 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 172 | Independent Mortgage Company |
| 18 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 51 | 82 | 118 | Independent Mortgage Company |
| 19 | TrustCo Bank | 78 | 86 | 55 | 87 | Bank |
| 20 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 2,512 | Independent Mortgage Company |
| 21 | THE MORTGAGE FIRM, INC. | 74 | 20 | 81 | 490 | Independent Mortgage Company |
| 22 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 542 | Independent Mortgage Company |
| 23 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 510 | Independent Mortgage Company |
| 24 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 507 | Independent Mortgage Company |
| 25 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 384 | Independent Mortgage Company |
| 26 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 289 | Bank |
| 27 | SouthState Bank, National Association | 73 | 49 | 73 | 270 | Bank |
| 28 | Regions Bank | 73 | 41 | 64 | 179 | Bank |
| 29 | City National Bank of Florida | 73 | 77 | 59 | 104 | Bank |
| 30 | SPACE COAST CREDIT UNION | 73 | 75 | 57 | 77 | Credit Union |
| 31 | PNC Bank, National Association | 73 | 71 | 61 | 75 | Bank |
| 32 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 728 | Independent Mortgage Company |
| 33 | NFM, INC. | 68 | 23 | 87 | 488 | Independent Mortgage Company |
| 34 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 359 | Independent Mortgage Company |
| 35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 245 | Independent Mortgage Company |
| 36 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 225 | Independent Mortgage Company |
| 37 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 174 | Independent Mortgage Company |
| 38 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 171 | Independent Mortgage Company |
| 39 | FIRST COMMUNITY MORTGAGE, INC. | 68 | 31 | 89 | 95 | Independent Mortgage Company |
| 40 | HOMESPIRE MORTGAGE CORPORATION | 68 | 25 | 84 | 85 | Independent Mortgage Company |
| 41 | PARTNERS Federal Credit Union | 66 | 51 | 47 | 105 | Credit Union |
| 42 | USAA Federal Savings Bank | 66 | 54 | 45 | 99 | Bank |
| 43 | TD Bank, National Association | 66 | 47 | 57 | 88 | Bank |
| 44 | M/I FINANCIAL, LLC | 63 | 38 | 75 | 363 | Independent Mortgage Company |
| 45 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 360 | Independent Mortgage Company |
| 46 | Mortgage Research Center, LLC | 63 | 34 | 70 | 351 | Independent Mortgage Company |
| 47 | Flagstar Bank, N.A. | 63 | 40 | 76 | 324 | Bank |
| 48 | Plains Commerce Bank | 63 | 37 | 67 | 305 | Bank |
| 49 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 63 | 28 | 68 | 239 | Independent Mortgage Company |
| 50 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 204 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Orlando.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.