Safe Rate Rankings

Best Conventional Mortgage Lenders in Sebring

Updated February 6, 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 Lenders26

Total Loans918

Median Rate Spread0.53%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MIDFLORIDACredit Union	Exceptional	Strong	Strong	Sound	Exceptional	$806Fees	0.153%Above	72
2	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,914Fees	0.397%Above	144
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,037Fees	0.193%Above	129
4	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,804Fees	0.348%Above	11
5	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,965Fees	0.495%Above	91
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,227Fees	0.667%Above	25
7	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,591Fees	0.423%Above	18
8	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,491Fees	0.562%Above	36
9	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,938Fees	0.746%Above	28
10	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,344Fees	0.484%Above	29
11	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,835Fees	0.569%Above	17
12	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,778Fees	0.625%Above	17
13	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,677Fees	0.342%Above	17
14	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,843Fees	1.385%Above	11
15	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,583Fees	0.619%Above	10
16	METROPLEX MORTGAGE SERVICES, INC.Independent Mortgage Company	Sound	Mediocre	Sound	Strong	Exceptional	$3,852Fees	0.224%Above	93
17	FBC MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$4,258Fees	1.265%Above	17
18	GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$4,024Fees	0.682%Above	11

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.