Safe Rate Rankings

Best Conventional Mortgage Lenders in Wildwood

Updated May 23, 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 Lenders33

Total Loans2,451

Median Rate Spread0.16%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Citizens First BankBank	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,302Fees	0.423%Above	1,340
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,333Fees	0.461%Below	49
3	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,500Fees	0.064%Above	27
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,748Fees	0.314%Below	19
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$442Fees	0.220%Below	16
6	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,969Fees	0.068%Above	46
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,044Fees	0.179%Above	179
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,822Fees	0.137%Above	152
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,471Fees	0.195%Above	39
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,162Fees	0.066%Above	22
11	MIDFLORIDACredit Union	Strong	Strong	Strong	Sound	Sound	$1,445Fees	0.285%Below	22
12	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,254Fees	0.024%Above	15
13	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,836Fees	0.169%Above	85
14	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,042Fees	0.100%Above	21
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,018Fees	0.430%Above	41
16	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$692Fees	0.545%Above	23
17	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,770Fees	0.281%Above	20
18	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,774Fees	0.342%Above	19
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,567Fees	0.398%Above	18
20	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,526Fees	0.207%Above	16
21	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,802Fees	0.275%Above	16
22	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,253Fees	0.445%Above	14
23	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,423Fees	0.494%Above	14
24	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,502Fees	0.393%Above	13
25	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,755Fees	0.307%Above	11
26	FLORIDACredit Union	Strong	Strong	Sound	Acceptable	Sound	$1,344Fees	0.926%Below	10
27	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$156Fees	0.608%Above	52
28	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,158Fees	0.072%Above	21
29	FBC MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,681Fees	0.386%Above	39
30	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$4,264Fees	0.453%Above	16

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.