Safe Rate Rankings

Best Mortgage Lenders in Tampa

Updated February 5, 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 Lenders235

Total Loans34,175

Median Rate Spread0.28%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Suncoast Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	$751Credit	0.884%Below	501
2	TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company	Exceptional	Exceptional	Strong	Strong	$1,786Fees	1.030%Below	232
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$805Fees	0.527%Below	398
4	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$2,346Fees	0.286%Above	275
5	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$1,811Fees	0.055%Below	145
6	TrustCo BankBank	Exceptional	Exceptional	Sound	Strong	$1,326Fees	0.236%Below	95
7	Grow Financial Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	$1,173Fees	0.929%Below	88
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,399Fees	0.235%Above	4,381
9	Truist BankBank	Strong	Strong	Strong	Strong	$697Fees	0.064%Above	257
10	MATTAMY HOME FUNDING, LLCIndependent Mortgage Company	Strong	Strong	Strong	Strong	$895Fees	0.449%Above	230
11	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$2,005Fees	0.052%Below	219
12	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,374Fees	0.035%Below	182
13	HANCOCK WHITNEY BANKBank	Strong	Strong	Strong	Strong	$1,788Fees	0.027%Below	105
14	NJ LENDERS CORP.Independent Mortgage Company	Strong	Strong	Strong	Strong	$5,041Fees	0.209%Above	76
15	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,936Fees	0.019%Above	711
16	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,873Fees	0.003%Above	206
17	MIDFLORIDACredit Union	Strong	Strong	Sound	Strong	$1,180Fees	0.007%Below	128
18	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,369Fees	0.896%Below	127
19	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Sound	$591Fees	0.088%Above	74
20	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,496Fees	0.256%Above	2,421
21	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,943Fees	0.321%Below	564
22	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,431Fees	0.162%Above	479
23	Regions BankBank	Strong	Sound	Strong	Strong	$2,215Fees	0.111%Above	413
24	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,356Fees	0.185%Above	402
25	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,336Fees	0.115%Above	326
26	GTE Federal Credit UnionCredit Union	Strong	Sound	Sound	Exceptional	$1,355Fees	0.079%Above	209
27	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,155Fees	0.432%Above	170
28	First Horizon BankBank	Strong	Sound	Strong	Strong	$1,217Fees	0.049%Above	112
29	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Strong	$3,170Fees	0.286%Above	107
30	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,956Fees	0.467%Above	717
31	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,883Fees	0.034%Above	524
32	M/I FINANCIAL, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,460Fees	0.221%Below	505
33	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,747Fees	0.461%Above	400
34	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,925Fees	0.386%Above	338
35	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,371Fees	0.528%Above	294
36	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,728Fees	0.445%Above	278
37	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,807Fees	0.509%Above	260
38	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,820Fees	0.331%Above	254
39	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	$3,379Fees	0.087%Above	125
40	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,742Fees	0.354%Above	122
41	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,778Fees	0.226%Below	97
42	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$3,871Fees	0.246%Below	86
43	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,610Fees	0.687%Above	530
44	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,982Fees	0.572%Above	276
45	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,698Fees	0.298%Above	236
46	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,106Fees	0.404%Above	217
47	RESIDENTIAL ACCEPTANCE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$6,111Fees	0.101%Above	197
48	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,523Fees	0.292%Above	193
49	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,886Fees	0.304%Above	185
50	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$3,291Fees	0.435%Above	174

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.