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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 Conventional Mortgage Company Lenders in Tampa
Updated February 5, 2026
Market Overview
50
Total Lenders
34,175
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,811 | -0.055% | 145 | |
2 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $5,041 | +0.209% | 76 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,399 | +0.235% | 4,381 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,496 | +0.256% | 2,421 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,943 | -0.321% | 564 | |
6 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $3,155 | +0.432% | 170 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,369 | -0.896% | 127 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $3,379 | +0.087% | 125 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,956 | +0.467% | 717 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,936 | +0.019% | 711 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,356 | +0.185% | 402 | |
12 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $895 | +0.449% | 230 | |
13 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,580 | +0.306% | 84 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,883 | +0.034% | 524 | |
15 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,460 | -0.221% | 505 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,747 | +0.461% | 400 | |
17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,925 | +0.386% | 338 | |
18 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,336 | +0.115% | 326 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,728 | +0.445% | 278 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,982 | +0.572% | 276 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,807 | +0.509% | 260 | |
22 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,698 | +0.298% | 236 | |
23 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,523 | +0.292% | 193 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,886 | +0.304% | 185 | |
25 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,548 | +0.743% | 159 | |
26 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.309% | 144 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,742 | +0.354% | 122 | |
28 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,453 | +0.356% | 98 | |
29 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,871 | -0.246% | 86 | |
30 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,662 | +0.326% | 468 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,292 | +0.623% | 328 | |
32 | TRAILBLAZER MORTGAGE L.L.C. | Strong | Sound | Sound | Sound | Strong | $1,786 | -1.030% | 232 | |
33 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,304 | +0.279% | 144 | |
34 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,907 | +0.575% | 123 | |
35 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,094 | +0.461% | 72 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,610 | +0.687% | 530 | |
37 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,026 | +0.745% | 367 | |
38 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,346 | +0.286% | 275 | |
39 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,820 | +0.331% | 254 | |
40 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,106 | +0.404% | 217 | |
41 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,448 | +0.624% | 168 | |
42 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $5,338 | +0.528% | 94 | |
43 | THE MORTGAGE FIRM, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,371 | +0.528% | 294 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $5,122 | +0.335% | 137 | |
45 | JMAC LENDING, INC. | Sound | Acceptable | Strong | Acceptable | Strong | $3,035 | +0.264% | 118 | |
46 | Click n' Close, Inc. | Sound | Mediocre | Strong | Sound | Strong | $7,952 | +1.702% | 291 | |
47 | RMC HOME MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Strong | $4,488 | +0.348% | 116 | |
48 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Strong | $4,594 | +0.711% | 83 | |
49 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,176 | +1.033% | 83 |
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.
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