8 Best Florida Mortgage Lenders of 2022
NerdWallet can help you choose the best Florida mortgage lender for you, from all-digital online specialists to major banks for in-person service.
Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners and here's how we make money.
If you're looking to buy or refinance a home in Florida, you have many lenders to choose from. And no matter whether your homeownership dream in the Sunshine State is a beachfront condo or a suburban mid-century modern near great schools, picking the best mortgage lender is a key part of finding the right mortgage for you.
Though they serve borrowers across the country, the national and regional lenders displayed in the table, which have been reviewed by NerdWallet, are some of the best mortgage providers in Florida.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
8 Best Florida Mortgage Lenders of 2022
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
580 | N/A | Learn more at New American Funding | ||
620 | 3% | Learn more at Rate | ||
620 | 1% | Learn more at Rocket Mortgage, LLC | ||
 Churchill: NMLS#1591 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 SunTrust (Truist): NMLS#2915 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 BB&T (Truist): NMLS#399803 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 Bank of America: NMLS#399802 Compare More Lenders on NerdWallet | 660 | 5% | Compare More Lenders on NerdWallet | |
 Chase: NMLS#399798 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet |
Local Florida mortgage lenders
Although NerdWallet hasn't reviewed these lenders yet, they may be worth considering if you prefer a Florida-based mortgage provider.
Online application and mobile app
Offers FHA, VA and USDA loans, as well as construction, jumbo and reverse mortgages
Has an online library of homebuying guides and a mortgage glossary
Online application and mobile app
Offers FHA, VA and USDA mortgages, as well as renovation, reverse and jumbo loans
Multiple refinance options
In-house down payment assistance program
Full online application
Automatic loan status updates
Website offers educational resources, including a mortgage glossary and checklist
Best Florida mortgage lenders by city
We took a closer look at mortgage lenders in major Florida cities. See our top picks in your area.
More from NerdWallet
Last updated on January 6, 2022
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
NerdWallet's Best Florida Mortgage Lenders of 2022
- New American Funding: Best for borrowers with bad credit
- Rate: Best for online lending
- Rocket Mortgage, LLC: Best for online lending
- Churchill: Best for borrowers with bad credit
- SunTrust (Truist): Best for first-time home buyers
- BB&T (Truist): Best for refinancing
- Bank of America: Best for face-to-face service
- Chase: Best for face-to-face service
