Safe Rate Rankings

Best VA Mortgage Companie Lenders in Orlando

Updated May 25, 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
FBC MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Exceptional
Exceptional
Exceptional
Exceptional
$2,982Fees
0.151%Above
715
2
JET HOMELOANS, LPIndependent Mortgage Company
Exceptional
Exceptional
Exceptional
Exceptional
Strong
$2,459Fees
0.282%Below
209
3
VELOCIO MORTGAGE L.L.C.Independent Mortgage Company
Exceptional
Exceptional
Exceptional
Exceptional
Strong
$1,448Fees
0.501%Below
193
4
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Exceptional
Exceptional
$3,644Fees
0.306%Above
4,820
5
TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company
Exceptional
Exceptional
Strong
Strong
Strong
$2,264Fees
1.275%Below
132
6
VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company
Exceptional
Strong
Exceptional
Exceptional
Strong
$1,858Fees
0.432%Below
118
7
GUARANTEED RATE, INC.Independent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Strong
$4,462Fees
0.374%Above
510
8
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Strong
$3,034Fees
0.217%Above
507
9
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Strong
$1,866Fees
0.228%Above
384
10
MATTAMY HOME FUNDING, LLCIndependent Mortgage Company
Exceptional
Strong
Strong
Exceptional
Strong
$129Fees
0.005%Below
186
11
GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Strong
$3,069Fees
0.229%Above
152
12
PARK SQUARE HOME MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Exceptional
Sound
Strong
Strong
$2,704Fees
0.520%Below
140
13
AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Strong
$4,306Fees
0.723%Above
131
14
M/I FINANCIAL, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Strong
$5,188Fees
0.125%Below
363
15
MOVEMENT MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Strong
$3,437Fees
0.522%Above
359
16
CMG MORTGAGE, INC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Strong
$3,263Fees
0.272%Above
174
17
First Heritage Mortgage, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Strong
$2,176Fees
0.563%Below
173
18
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$4,583Fees
0.233%Above
2,512
19
LOANDEPOT.COM, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$1,979Fees
0.062%Below
542
20
NEWREZ LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$2,943Fees
0.325%Above
390
21
Paramount Residential Mortgage Group, Inc.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$3,896Fees
0.597%Above
360
22
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$4,631Fees
0.488%Above
728
23
NFM, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$3,026Fees
0.247%Below
488
24
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$3,146Fees
0.419%Above
245
25
NORTHPOINT MORTGAGE, INC.Independent Mortgage Company
Strong
Sound
Strong
Strong
Strong
$1,623Fees
0.232%Above
176
26
RMC HOME MORTGAGE, LLCIndependent Mortgage Company
Strong
Sound
Strong
Strong
Strong
$4,859Fees
0.008%Above
127
27
FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$2,542Fees
0.276%Above
95
28
PLAZA HOME MORTGAGE, INC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Sound
$2,921Fees
0.590%Above
73
29
MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Sound
$2,547Fees
0.252%Above
73
30
Mortgage Research Center, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,696Fees
0.281%Above
351
31
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,224Fees
0.262%Above
225
32
NATIONSTAR MORTGAGE LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,081Fees
0.265%Above
204
33
UNION HOME MORTGAGE CORP.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,273Fees
0.476%Above
171
34
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$4,129Fees
0.443%Above
239
35
ZILLOW HOME LOANS, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$2,828Fees
0.349%Above
198
36
Equity Prime Mortgage LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$4,390Fees
0.650%Above
142
37
CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$5,048Fees
0.425%Above
107
38
THE MORTGAGE FIRM, INC.Independent Mortgage Company
Strong
Mediocre
Strong
Strong
Exceptional
$3,746Fees
0.399%Above
490
39
Waterstone Mortgage CorporationIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$4,562Fees
0.394%Above
369
40
CANOPY MORTGAGE, LLCIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$4,128Fees
0.313%Above
200
41
EVERETT FINANCIAL, INC.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$4,389Fees
0.676%Above
194
42
AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$6,000Fees
0.725%Above
110
43
NEW AMERICAN FUNDING, LLCIndependent Mortgage Company
Sound
Mediocre
Exceptional
Sound
Strong
$4,897Fees
0.708%Above
510
44
Mortgage Lenders Investment Trading CorporationIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
Strong
$3,840Fees
0.721%Above
137
45
MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
Strong
$4,416Fees
0.601%Above
115
46
MORTGAGE FINANCIAL GROUP, INC.Independent Mortgage Company
Sound
Acceptable
Sound
Sound
Strong
$2,637Fees
0.212%Above
75

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.