Best mortgage lenders in Florida
No lender is best for everyone, so this page ranks Florida lenders on what federal records can measure: who makes the most loans here, who leads for FHA and VA, and what their Florida borrowers paid. All figures are 2025 HMDA data; no lender pays to be listed.
Who leads for what in Florida
"Most loans" and "Largest average loan" are among the 15 lenders with the most Florida originations in 2025 (the latter counts lenders with at least 300 loans in the state); FHA and VA leaders count every lender's home-purchase loans.
The 15 lenders that made the most home loans in Florida
| # | Lender | Type | Loans | FHA | VA | Avg loan | Approval* |
|---|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | Nonbank lender | 49,897 | 26.5% | 14.4% | $365,628 | 82.1% |
| 2 | Rocket Mortgage | Nonbank lender | 31,530 | 15.8% | 9.5% | $270,378 | 76.3% |
| 3 | CrossCountry Mortgage | Nonbank lender | 11,987 | 22.2% | 10.3% | $385,109 | 92.4% |
| 4 | DHI Mortgage | Nonbank lender | 11,582 | 51.7% | 19.5% | $330,286 | 82.7% |
| 5 | Lennar Mortgage | Nonbank lender | 10,692 | 38.9% | 11.8% | $339,830 | 77.3% |
| 6 | PennyMac | Nonbank lender | 9,704 | 23.8% | 10.7% | $361,658 | 78.0% |
| 7 | Navy Federal Credit Union | Credit union | 8,416 | 0.0% | 22.6% | $227,464 | 65.1% |
| 8 | Suncoast Credit Union | — | 8,364 | 0.0% | 0.0% | $156,049 | 76.8% |
| 9 | Bank of America | Bank | 7,938 | 0.5% | 0.1% | $387,687 | 47.1% |
| 10 | loanDepot | Nonbank lender | 7,460 | 30.3% | 10.5% | $257,850 | 69.1% |
| 11 | Chase | Bank | 6,131 | 2.4% | 1.5% | $724,501 | 79.3% |
| 12 | Truist | Bank | 6,117 | 1.2% | 1.1% | $402,919 | 51.0% |
| 13 | Space Coast Credit Union | — | 5,900 | 0.1% | 0.0% | $181,980 | 62.1% |
| 14 | Regions Bank | Bank | 5,826 | 2.7% | 1.6% | $280,913 | 51.2% |
| 15 | Newrez | Nonbank lender | 5,643 | 15.6% | 18.5% | $328,702 | 59.0% |
Source: 2025 HMDA originations, FFIEC/CFPB. FHA/VA = share of each lender's Florida loans. *Approval = originated ÷ (originated + denied); it mirrors a lender's channel and borrower mix, not how hard it is to qualify.
Also among the 25 lenders with the most HMDA filings here: Lakeview Loan Servicing, Freedom Mortgage, AmeriHome Mortgage Company, LLC, Veterans United, Coastal Community Bank, 21st Mortgage Corporation, Spring Eq, LLC, Figure Lending LLC, New American Funding, PNC Bank.
FHA lenders in Florida
68,950 FHA home-purchase loans were made in Florida in 2025 by 492 lenders. The typical FHA buyer here paid $12,326 in loan costs, including the 1.75% upfront mortgage insurance premium, at a median rate of 6.125%. The ten lenders that made the most:
| # | Lender | FHA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 10,592 | 15.4% | $14,257 | +0.38 |
| 2 | DHI Mortgage | 5,986 | 8.7% | $9,425 | −1.42 |
| 3 | Lennar Mortgage | 4,163 | 6.0% | $11,451 | −1.33 |
| 4 | Rocket Mortgage | 2,424 | 3.5% | $13,377 | +0.29 |
| 5 | CrossCountry Mortgage | 2,262 | 3.3% | $14,272 | +0.66 |
| 6 | loanDepot | 1,719 | 2.5% | $11,923 | −0.16 |
| 7 | Paramount Residential Mortgage Group, Inc. | 1,380 | 2.0% | $14,767 | +0.59 |
| 8 | PennyMac | 1,106 | 1.6% | $12,774 | +0.41 |
| 9 | Click n' Close, Inc. | 1,089 | 1.6% | $8,868 | +1.67 |
| 10 | Fbc Mortgage, LLC | 1,060 | 1.5% | $11,798 | +0.07 |
| All Florida FHA buyers | 68,950 | 100% | $12,326 | +0.28 |
Among them, Click n' Close, Inc. had the lowest median loan costs ($8,868) and Paramount Residential Mortgage Group, Inc. the highest ($14,767) — $5,899 apart on similar loans, which is why a second Loan Estimate is worth getting. Homebuilder-owned lenders can show far-below-market APRs because builders pay to buy down the rate on their own new homes.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien FHA home purchases in Florida. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. How we measured this.
VA lenders in Florida
31,059 VA home-purchase loans were made in Florida in 2025 by 446 lenders. The typical VA buyer here paid $6,826 in loan costs (including the VA funding fee for borrowers who owe it) at a median rate of 6.075%. The ten lenders that made the most:
| # | Lender | VA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Veterans United | 4,403 | 14.2% | $5,152 | −0.28 |
| 2 | United Wholesale Mortgage | 2,825 | 9.1% | $5,939 | −0.40 |
| 3 | DHI Mortgage | 2,261 | 7.3% | $4,487 | −2.02 |
| 4 | Navy Federal Credit Union | 1,548 | 5.0% | $5,105 | −0.61 |
| 5 | Lennar Mortgage | 1,262 | 4.1% | $3,310 | −2.12 |
| 6 | CrossCountry Mortgage | 1,010 | 3.3% | $6,972 | −0.23 |
| 7 | Rocket Mortgage | 849 | 2.7% | $9,352 | −0.39 |
| 8 | Freedom Mortgage | 663 | 2.1% | $10,487 | −0.37 |
| 9 | Pulte Mortgage | 555 | 1.8% | $3,527 | −1.53 |
| 10 | CMG Home Loans | 546 | 1.8% | $10,608 | −0.62 |
| All Florida VA buyers | 31,059 | 100% | $6,826 | −0.47 |
Among them, Lennar Mortgage had the lowest median loan costs ($3,310) and CMG Home Loans the highest ($10,608) — $7,298 apart, though VA costs also depend on how many of a lender's borrowers are exempt from the funding fee.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien VA home purchases in Florida. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. Data notes and limits.
How concentrated is the Florida market?
1,969 institutions reported Florida home-loan records for 2025 — the most of any state. The single most active lender accounts for 6.7% of all records and the top five for 20.7%, the 17th-least concentrated market of 51. With volume spread across many lenders, there is plenty of room to shop beyond the biggest names.
How to choose a lender in Florida
Florida borrowers took FHA loans 17.8% of the time and VA loans 9.9% (U.S. 13.2% and 8.2%). Buying near $832,750 or above? 1 Florida county has a higher conforming limit, so check which side of the jumbo line your county puts you on before comparing quotes.
Get Loan Estimates from three or more lenders in the same two-week window (one credit inquiry) and compare APRs. For down-payment help, ask whether they are approved for Florida Housing's Florida Hometown Heroes or Florida Assist — only participating lenders can offer them (terms and sources).
Florida checks: OFR licensing and Florida Housing lenders
Florida law requires anyone acting as a mortgage lender to hold a license from the state’s Office of Financial Regulation (section 494.00611, Florida Statutes). Ask for a lender’s NMLS number and look it up before you apply.
Florida Housing’s first mortgages and down-payment loans go through its approved lenders: per its homebuyer page, you “must work with an approved, participating, Program Lender,” need a 640 minimum credit score, and can get the assistance only with a Florida Housing first mortgage. The same page links a locator for approved loan officers and real estate agents.
Florida-based lenders in the ranking
Two Florida credit unions rank among the state’s 25 most active lenders: Suncoast Credit Union of Tampa (18th) and Space Coast Credit Union of Melbourne (20th). Miami-based Lennar Mortgage, the homebuilder’s in-house lender, made the 3rd-most FHA purchase loans in Florida (4,163), and Orlando-based FBC Mortgage — registered today as Acrisure Mortgage, LLC — ranked 10th (1,060).
| Lender | Based in | Type | Rank | 2025 records | FHA purchase rank |
|---|---|---|---|---|---|
| Lakeview Loan Servicing | Coral Gables, FL | Nonbank lender | 7 | 21,398 | — |
| Lennar Mortgage | Miami, FL | Nonbank lender | 14 | 15,013 | 3 |
| Suncoast Credit Union | Tampa, FL | Credit union | 18 | 12,829 | — |
| Space Coast Credit Union | Melbourne, FL | Credit union | 20 | 12,006 | — |
| FBC Mortgage (Acrisure Mortgage) | Orlando, FL | Nonbank lender | — | — | 10 |
Rank = position among the 25 lenders with the most Florida HMDA records in 2025; FHA purchase rank = position among the ten biggest Florida FHA home-purchase lenders in 2025; "—" = outside those lists. Headquarters from our lender profiles or the lender's GLEIF legal-entity record (linked).
Facts in the Florida sections above were checked October 18, 2026 against these sources: Florida Statutes §494.00611; §494.001 (“Office” = OFR); Florida Housing — homebuyer programs; Florida Housing — Hometown Heroes. Agency lender lists, program terms and rules change often — confirm with the agency or lender before you rely on them.
Florida lender FAQ
Who is the biggest mortgage lender in Florida?
By 2025 federal HMDA data, United Wholesale Mortgage originated the most home loans in Florida — about 49,897, or 10.2% of the state's originations.
Which lender makes the most FHA loans in Florida?
United Wholesale Mortgage made the most FHA home-purchase loans in Florida in 2025 — 10,592, or 15.4% of the 68,950 FHA purchases made by 492 lenders. DHI Mortgage (5,986) was second.
Which lender makes the most VA loans in Florida?
Veterans United made the most VA home-purchase loans in Florida in 2025 (4,403, 14.2% of the state's VA purchases). VA loans were 9.9% of Florida originations, the 21st-highest VA share among the states.
How much are closing costs on an FHA loan in Florida?
The typical Florida FHA buyer in 2025 paid $12,326 in total loan costs on a median $335,000 loan — lender fees, required third-party services and the 1.75% upfront mortgage insurance premium, per the Closing Disclosure.
That figure excludes recording taxes, prepaid interest and insurance, escrow deposits and the down payment.
What are the qualifications for the Florida Hometown Heroes loan program?
It’s for first-time, income-qualified buyers of a primary residence who work full time for a Florida-based employer in an eligible occupation — including health care workers, school staff, first responders, public safety and court employees and child care workers — and for active-duty and reserve service members and veterans employed full time by a Florida-based employer.
It provides up to 5% of the first mortgage (minimum $10,000, maximum $35,000) as a 0%, 30-year deferred second mortgage that is repaid when you sell, refinance or stop living in the home; it isn’t forgiven.
Florida Housing’s programs need a 640 credit score and an approved participating lender, and the current income limits and occupation list are dated July 13, 2026.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
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