# Best Conventional Mortgage Lenders in Orlando

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

Compare the top Conventional mortgage lenders in Orlando. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Citizens First Bank | 88 | 53 | 82 | 451 | Bank |
| 2 | Truist Bank | 85 | 71 | 69 | 269 | Bank |
| 3 | Bank of America, National Association | 85 | 71 | 67 | 222 | Bank |
| 4 | U.S. Bank National Association | 85 | 75 | 69 | 111 | Bank |
| 5 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 727 | Bank |
| 6 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 303 | Credit Union |
| 7 | First Heritage Mortgage, LLC | 83 | 47 | 81 | 173 | Independent Mortgage Company |
| 8 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 172 | Independent Mortgage Company |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 4,820 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 2,512 | Independent Mortgage Company |
| 11 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 542 | Independent Mortgage Company |
| 12 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 289 | Bank |
| 13 | SouthState Bank, National Association | 79 | 48 | 72 | 270 | Bank |
| 14 | Fifth Third Bank, National Association | 79 | 61 | 60 | 141 | Bank |
| 15 | VANDERBILT MORTGAGE AND FINANCE, INC. | 79 | 45 | 68 | 118 | Independent Mortgage Company |
| 16 | TrustCo Bank | 79 | 87 | 54 | 87 | Bank |
| 17 | PNC Bank, National Association | 79 | 75 | 63 | 75 | Bank |
| 18 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 728 | Independent Mortgage Company |
| 19 | JET HOMELOANS, LP | 74 | 53 | 65 | 209 | Independent Mortgage Company |
| 20 | VELOCIO MORTGAGE L.L.C. | 74 | 77 | 57 | 193 | Independent Mortgage Company |
| 21 | MATTAMY HOME FUNDING, LLC | 74 | 55 | 63 | 186 | Independent Mortgage Company |
| 22 | SPACE COAST CREDIT UNION | 74 | 77 | 59 | 77 | Credit Union |
| 23 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 384 | Independent Mortgage Company |
| 24 | City National Bank of Florida | 73 | 82 | 48 | 104 | Bank |
| 25 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 73 | Independent Mortgage Company |
| 26 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 510 | Independent Mortgage Company |
| 27 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 360 | Independent Mortgage Company |
| 28 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 359 | Independent Mortgage Company |
| 29 | Flagstar Bank, N.A. | 71 | 34 | 72 | 324 | Bank |
| 30 | Plains Commerce Bank | 71 | 35 | 64 | 305 | Bank |
| 31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 245 | Independent Mortgage Company |
| 32 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 71 | 29 | 60 | 239 | Independent Mortgage Company |
| 33 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 225 | Independent Mortgage Company |
| 34 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 204 | Independent Mortgage Company |
| 35 | Regions Bank | 71 | 39 | 64 | 179 | Bank |
| 36 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 174 | Independent Mortgage Company |
| 37 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 171 | Independent Mortgage Company |
| 38 | THE LOAN STORE, INC. | 71 | 39 | 71 | 151 | Independent Mortgage Company |
| 39 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 29 | 63 | 131 | Independent Mortgage Company |
| 40 | KIND LENDING, LLC | 71 | 31 | 66 | 113 | Independent Mortgage Company |
| 41 | FIRST COMMUNITY MORTGAGE, INC. | 71 | 31 | 79 | 95 | Independent Mortgage Company |
| 42 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 507 | Independent Mortgage Company |
| 43 | TD Bank, National Association | 69 | 54 | 50 | 88 | Bank |
| 44 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 73 | Independent Mortgage Company |
| 45 | M/I FINANCIAL, LLC | 67 | 35 | 62 | 363 | Independent Mortgage Company |
| 46 | NORTHPOINT MORTGAGE, INC. | 67 | 35 | 62 | 176 | Independent Mortgage Company |
| 47 | HOMESPIRE MORTGAGE CORPORATION | 67 | 25 | 67 | 85 | Independent Mortgage Company |
| 48 | FBC MORTGAGE, LLC | 66 | 36 | 60 | 715 | Independent Mortgage Company |
| 49 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 510 | Independent Mortgage Company |
| 50 | NEWREZ LLC | 66 | 31 | 58 | 390 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.