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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 VA Mortgage Company Lenders in Tampa
Updated February 5, 2026
Market Overview
47
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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,346 | +0.286% | 275 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,399 | +0.235% | 4,381 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,936 | +0.019% | 711 | |
4 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $1,786 | -1.030% | 232 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,369 | -0.896% | 127 | |
6 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,460 | -0.221% | 505 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,356 | +0.185% | 402 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,336 | +0.115% | 326 | |
9 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $895 | +0.449% | 230 | |
10 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $3,155 | +0.432% | 170 | |
11 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,548 | +0.743% | 159 | |
12 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,304 | +0.279% | 144 | |
13 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,472 | +0.309% | 144 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,883 | +0.034% | 524 | |
15 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,728 | +0.445% | 278 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,496 | +0.256% | 2,421 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,943 | -0.321% | 564 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,662 | +0.326% | 468 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,982 | +0.572% | 276 | |
20 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,523 | +0.292% | 193 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,379 | +0.087% | 125 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,956 | +0.467% | 717 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,747 | +0.461% | 400 | |
24 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,820 | +0.331% | 254 | |
25 | JMAC LENDING, INC. | Strong | Sound | Strong | Strong | Strong | $3,035 | +0.264% | 118 | |
26 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $4,488 | +0.348% | 116 | |
27 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,580 | +0.306% | 84 | |
28 | MICHIGAN MUTUAL, INC. | Strong | Sound | Strong | Strong | Strong | $3,094 | +0.461% | 72 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,610 | +0.687% | 530 | |
30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,925 | +0.386% | 338 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,807 | +0.509% | 260 | |
32 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,698 | +0.298% | 236 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,886 | +0.304% | 185 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,742 | +0.354% | 122 | |
35 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,871 | -0.246% | 86 | |
36 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,448 | +0.624% | 168 | |
37 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,698 | +0.843% | 138 | |
38 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,122 | +0.335% | 137 | |
39 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,453 | +0.356% | 98 | |
40 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,026 | +0.745% | 367 | |
41 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $5,338 | +0.528% | 94 | |
42 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,292 | +0.623% | 328 | |
43 | THE MORTGAGE FIRM, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,371 | +0.528% | 294 | |
44 | VAN DYK MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $3,106 | +0.404% | 217 | |
45 | AMERISAVE MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $4,546 | +0.304% | 79 | |
46 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $6,069 | +1.146% | 77 |
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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