🛡️
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 Lenders in Tampa
Updated February 5, 2026
Market Overview
235
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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $805 | -0.527% | 398 | |
5 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $1,786 | -1.030% | 232 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,369 | -0.896% | 127 | |
7 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,217 | +0.049% | 112 | |
8 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,460 | -0.221% | 505 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,356 | +0.185% | 402 | |
10 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,336 | +0.115% | 326 | |
11 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $895 | +0.449% | 230 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,374 | -0.035% | 182 | |
13 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $3,155 | +0.432% | 170 | |
14 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,548 | +0.743% | 159 | |
15 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,304 | +0.279% | 144 | |
16 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,472 | +0.309% | 144 | |
17 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,883 | +0.034% | 524 | |
18 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,431 | +0.162% | 479 | |
19 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,728 | +0.445% | 278 | |
20 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $3,170 | +0.286% | 107 | |
21 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,788 | -0.027% | 105 | |
22 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,778 | -0.226% | 97 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,496 | +0.256% | 2,421 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,943 | -0.321% | 564 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,662 | +0.326% | 468 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,982 | +0.572% | 276 | |
27 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $697 | +0.064% | 257 | |
28 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,523 | +0.292% | 193 | |
29 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,291 | +0.435% | 174 | |
30 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,916 | +0.527% | 153 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,379 | +0.087% | 125 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,956 | +0.467% | 717 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,747 | +0.461% | 400 | |
34 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,820 | +0.331% | 254 | |
35 | JMAC LENDING, INC. | Strong | Sound | Strong | Strong | Strong | $3,035 | +0.264% | 118 | |
36 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $4,488 | +0.348% | 116 | |
37 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,580 | +0.306% | 84 | |
38 | MICHIGAN MUTUAL, INC. | Strong | Sound | Strong | Strong | Strong | $3,094 | +0.461% | 72 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,610 | +0.687% | 530 | |
40 | Regions Bank | Strong | Sound | Strong | Sound | Strong | $2,215 | +0.111% | 413 | |
41 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,925 | +0.386% | 338 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,807 | +0.509% | 260 | |
43 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,698 | +0.298% | 236 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,886 | +0.304% | 185 | |
45 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,742 | +0.354% | 122 | |
46 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,871 | -0.246% | 86 | |
47 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,448 | +0.624% | 168 | |
48 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,698 | +0.843% | 138 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,122 | +0.335% | 137 | |
50 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,453 | +0.356% | 98 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Tampa, FLVA
No credit impact
3-minute process
100% free