Safe Rate Rankings

Best FHA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,037Fees	0.193%Above	129
2	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Sound	$4,258Fees	1.265%Above	17
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,140Fees	0.370%Above	21
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,914Fees	0.397%Above	144
5	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,344Fees	0.484%Above	29
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,227Fees	0.667%Above	25
7	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,835Fees	0.569%Above	17
8	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,129Fees	0.787%Above	16
9	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,491Fees	0.562%Above	36
10	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,881Fees	0.624%Above	21
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,073Fees	0.406%Above	12
12	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,965Fees	0.495%Above	91
13	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,778Fees	0.625%Above	17
14	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,843Fees	0.489%Above	12
15	METROPLEX MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Sound	Sound	Exceptional	$3,852Fees	0.224%Above	93
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,938Fees	0.746%Above	28
17	Presidential Bank, FSBBank	Strong	Acceptable	Strong	Strong	Sound	$2,564Fees	0.386%Above	13
18	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,843Fees	1.385%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.