Safe Rate Rankings

Best Conventional Mortgage Lenders in Orlando

Updated May 23, 2026

⚖️ 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%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$619Fees	0.433%Below	303
2	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,618Fees	0.113%Below	172
3	Citizens First BankBank	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,343Fees	0.394%Above	451
4	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,117Fees	0.071%Above	269
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,713Fees	0.132%Below	222
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,256Fees	0.079%Above	111
7	TrustCo BankBank	Exceptional	Exceptional	Strong	Sound	Strong	$1,286Fees	0.336%Below	87
8	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,713Fees	0.143%Above	727
9	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,375Fees	0.087%Below	289
10	First Heritage Mortgage, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,176Fees	0.563%Below	173
11	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$549Fees	0.005%Above	141
12	City National Bank of FloridaBank	Exceptional	Exceptional	Sound	Sound	Strong	$2,328Fees	0.693%Below	104
13	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,913Fees	0.143%Above	75
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,644Fees	0.306%Above	4,820
15	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,583Fees	0.233%Above	2,512
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,979Fees	0.062%Below	542
17	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$3,188Fees	0.196%Above	270
18	VELOCIO MORTGAGE L.L.C.Independent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$1,448Fees	0.501%Below	193
19	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,858Fees	0.432%Below	118
20	SPACE COAST CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Strong	$316Fees	0.299%Below	77
21	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,631Fees	0.488%Above	728
22	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,866Fees	0.228%Above	384
23	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,459Fees	0.282%Below	209
24	MATTAMY HOME FUNDING, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$129Fees	0.005%Below	186
25	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,921Fees	0.590%Above	73
26	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,547Fees	0.252%Above	73
27	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,462Fees	0.374%Above	510
28	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,034Fees	0.217%Above	507
29	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,896Fees	0.597%Above	360
30	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,437Fees	0.522%Above	359
31	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,440Fees	0.394%Above	324
32	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,890Fees	0.372%Above	305
33	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,146Fees	0.419%Above	245
34	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,129Fees	0.443%Above	239
35	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,224Fees	0.262%Above	225
36	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,081Fees	0.265%Above	204
37	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,868Fees	0.277%Above	179
38	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,263Fees	0.272%Above	174
39	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,273Fees	0.476%Above	171
40	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,017Fees	0.341%Above	151
41	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,306Fees	0.723%Above	131
42	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,822Fees	0.433%Above	113
43	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,542Fees	0.276%Above	95
44	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$1,223Fees	0.246%Above	88
45	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$2,982Fees	0.151%Above	715
46	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,897Fees	0.708%Above	510
47	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,943Fees	0.325%Above	390
48	M/I FINANCIAL, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$5,188Fees	0.125%Below	363
49	NORTHPOINT MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,623Fees	0.232%Above	176
50	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,885Fees	0.504%Above	85

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 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.