Safe Rate Rankings

Best Conventional Mortgage Companie Lenders in Orlando

Updated May 26, 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.
Total Lenders248
Total Loans34,597
Median Rate Spread0.31%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company
Exceptional
Exceptional
Exceptional
Sound
Strong
$1,618Fees
0.113%Below
172
2
First Heritage Mortgage, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Strong
$2,176Fees
0.563%Below
173
3
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$3,644Fees
0.306%Above
4,820
4
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$4,583Fees
0.233%Above
2,512
5
LOANDEPOT.COM, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$1,979Fees
0.062%Below
542
6
VELOCIO MORTGAGE L.L.C.Independent Mortgage Company
Strong
Strong
Strong
Sound
Strong
$1,448Fees
0.501%Below
193
7
VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$1,858Fees
0.432%Below
118
8
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$4,631Fees
0.488%Above
728
9
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Sound
Strong
$1,866Fees
0.228%Above
384
10
JET HOMELOANS, LPIndependent Mortgage Company
Strong
Sound
Strong
Strong
Strong
$2,459Fees
0.282%Below
209
11
MATTAMY HOME FUNDING, LLCIndependent Mortgage Company
Strong
Sound
Strong
Strong
Strong
$129Fees
0.005%Below
186
12
PLAZA HOME MORTGAGE, INC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Sound
$2,921Fees
0.590%Above
73
13
MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company
Strong
Strong
Strong
Sound
Sound
$2,547Fees
0.252%Above
73
14
GUARANTEED RATE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,462Fees
0.374%Above
510
15
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Sound
Strong
Sound
Strong
$3,034Fees
0.217%Above
507
16
Paramount Residential Mortgage Group, Inc.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,896Fees
0.597%Above
360
17
MOVEMENT MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,437Fees
0.522%Above
359
18
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,146Fees
0.419%Above
245
19
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,129Fees
0.443%Above
239
20
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,224Fees
0.262%Above
225
21
NATIONSTAR MORTGAGE LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,081Fees
0.265%Above
204
22
CMG MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,263Fees
0.272%Above
174
23
UNION HOME MORTGAGE CORP.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,273Fees
0.476%Above
171
24
THE LOAN STORE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,017Fees
0.341%Above
151
25
AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,306Fees
0.723%Above
131
26
KIND LENDING, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,822Fees
0.433%Above
113
27
FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,542Fees
0.276%Above
95
28
FBC MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Exceptional
$2,982Fees
0.151%Above
715
29
NEW AMERICAN FUNDING, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$4,897Fees
0.708%Above
510
30
NEWREZ LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$2,943Fees
0.325%Above
390
31
M/I FINANCIAL, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$5,188Fees
0.125%Below
363
32
CANOPY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$4,128Fees
0.313%Above
200
33
NORTHPOINT MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$1,623Fees
0.232%Above
176
34
GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$3,069Fees
0.229%Above
152
35
TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company
Strong
Sound
Sound
Sound
Strong
$2,264Fees
1.275%Below
132
36
HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$4,885Fees
0.504%Above
85
37
THE MORTGAGE FIRM, INC.Independent Mortgage Company
Strong
Mediocre
Strong
Strong
Exceptional
$3,746Fees
0.399%Above
490
38
NFM, INC.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$3,026Fees
0.247%Below
488
39
Waterstone Mortgage CorporationIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$4,562Fees
0.394%Above
369
40
Mortgage Research Center, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$2,696Fees
0.281%Above
351
41
ZILLOW HOME LOANS, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$2,828Fees
0.349%Above
198
42
EVERETT FINANCIAL, INC.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$4,389Fees
0.676%Above
194
43
MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$4,416Fees
0.601%Above
115
44
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$4,387Fees
0.549%Above
111
45
AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$6,000Fees
0.725%Above
110
46
PARK SQUARE HOME MORTGAGE, LLCIndependent Mortgage Company
Sound
Sound
Acceptable
Acceptable
Strong
$2,704Fees
0.520%Below
140
47
Mortgage Lenders Investment Trading CorporationIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
Strong
$3,840Fees
0.721%Above
137
48
CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company
Sound
Acceptable
Strong
Acceptable
Strong
$5,048Fees
0.425%Above
107
49
PFN Lending Group, Inc.Independent Mortgage Company
Sound
Acceptable
Sound
Sound
Strong
$6,020Fees
0.153%Above
72

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)

10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.