🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best VA Mortgage Lenders in Orlando
Updated February 5, 2026
Market Overview
248
Total Lenders
34,597
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $2,982 | +0.151% | 715 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,459 | -0.282% | 209 | |
3 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,448 | -0.501% | 193 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,644 | +0.306% | 4,820 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $619 | -0.433% | 303 | |
6 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $2,264 | -1.275% | 132 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,858 | -0.432% | 118 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,713 | +0.143% | 727 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $4,462 | +0.374% | 510 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,034 | +0.217% | 507 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,866 | +0.228% | 384 | |
12 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $129 | -0.005% | 186 | |
13 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,069 | +0.229% | 152 | |
14 | PARK SQUARE HOME MORTGAGE, LLC | Exceptional | Exceptional | Sound | Strong | Strong | $2,704 | -0.520% | 140 | |
15 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $4,306 | +0.723% | 131 | |
16 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,188 | -0.125% | 363 | |
17 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,437 | +0.522% | 359 | |
18 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $3,188 | +0.196% | 270 | |
19 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,263 | +0.272% | 174 | |
20 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,176 | -0.563% | 173 | |
21 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,507 | -0.180% | 99 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,583 | +0.233% | 2,512 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,979 | -0.062% | 542 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,943 | +0.325% | 390 | |
25 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,896 | +0.597% | 360 | |
26 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,440 | +0.394% | 324 | |
27 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,890 | +0.372% | 305 | |
28 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,117 | +0.071% | 269 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,631 | +0.488% | 728 | |
30 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,026 | -0.247% | 488 | |
31 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,375 | -0.087% | 289 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,146 | +0.419% | 245 | |
33 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $1,623 | +0.232% | 176 | |
34 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $4,859 | +0.008% | 127 | |
35 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,542 | +0.276% | 95 | |
36 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,921 | +0.590% | 73 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,547 | +0.252% | 73 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,696 | +0.281% | 351 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,224 | +0.262% | 225 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,081 | +0.265% | 204 | |
41 | Regions Bank | Strong | Sound | Strong | Sound | Strong | $1,868 | +0.277% | 179 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,273 | +0.476% | 171 | |
43 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,129 | +0.443% | 239 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,828 | +0.349% | 198 | |
45 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,390 | +0.650% | 142 | |
46 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,048 | +0.425% | 107 | |
47 | THE MORTGAGE FIRM, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,746 | +0.399% | 490 | |
48 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,562 | +0.394% | 369 | |
49 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,128 | +0.313% | 200 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
OrlandoVA
No credit impact
3-minute process
100% free