The MFP Home Loan Lenders Community Survey gathers Florida’s homeowners feedback and recommendation on 120 lenders for home loans in the state. Shopping for a first home loan in Florida can be complicated and we gathered the info below to help your choice.
Updated: June 9, 2025
<< Human Powered Recommendations >>
Florida Best Home Loan Lenders
Miami, Fort Lauderdale, Palm Beach, Tampa, Orlando, St-Petersburg, Jacksonville, Fort Myers, Lakeland, Palm Bay, Online lenders.
Florida Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase loan lenders across Florida by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.42 | 4.40 | 4.47 | 90% |
| Community Banks | 4.01 | 4.06 | 4.18 | 85% |
| Banks | 4.40 | 4.21 | 4.15 | 87% |
| Online Lenders | 4.17 | 4.00 | 4.04 | 87% |
Recommendations are gathered from 1,091 members who shopped and requested a home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your new home loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Florida Homeowners:
Florida Down Payment Assistance Programs
More Florida Homeowners Resources.
Miami Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Miami’s area are Suncoast Credit Union, Bank of America, and City National Bank of Florida.
- Highest Recommend % (96%) and Support & Guidance (4.9) scores among all lenders, with 4.7 in Loan Terms & Rate.
- Homeowners feedback highlight tailored solutions for first-time buyers and competitive jumbo loan rates.
- Top-tier Easy Application (4.8) and Loan Terms (4.7) ratings, with hybrid digital/in-person application options.
- Users love its Affordable Loan Solution program for low down payments without PMI.
- Perfect 5.0 in Support & Guidance and 4.6 in Loan Terms, specializing in Florida-specific programs like bridge loans.
- Homeowners emphasize local underwriting and flexible options for homebuyers.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.7 | 4.9 | 96% |
| Bank of America | Bank | 4.8 | 4.7 | 4.5 | 94% |
| City National Bank of Florida | Bank | 4.5 | 4.6 | 5.0 | 92% |
| University Credit Union | Credit Union | 4.4 | 4.5 | 4.7 | 90% |
| Fairwinds Credit Union | Credit Union | 4.3 | 4.4 | 4.6 | 89% |
| Florida Credit Union | Credit Union | 4.2 | 4.3 | 4.5 | 88% |
| Chase | Bank | 4.6 | 4.2 | 4.1 | 87% |
| GTE Financial | Credit Union | 4.1 | 4.2 | 4.3 | 86% |
| One Florida Bank | Community Bank | 4.0 | 4.1 | 4.2 | 85% |
| Amerant Bank | Community Bank | 3.9 | 4.0 | 4.1 | 84% |
| Space Coast Credit Union | Credit Union | 3.8 | 3.9 | 4.0 | 83% |
| MIDFLORIDA Credit Union | Credit Union | 3.7 | 3.8 | 3.9 | 82% |
| First Florida Credit Union | Credit Union | 3.6 | 3.7 | 3.8 | 81% |
| Grove Bank & Trust | Community Bank | 3.5 | 3.6 | 3.7 | 80% |
| Veterans United Home Loans | Bank | 3.4 | 3.5 | 3.6 | 79% |
Fort Lauderdale Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Fort Lauderdale’s area are Suncoast Credit Union, Bank of America, and Tropical Financial Credit Union.
- Highest Recommend % (95%) and Support & Guidance (4.8) scores among all lenders, with 4.6 in Loan Terms & Rate.
- Homeowners feedback highlight quick approval times and personalized service for South Florida homebuyers.
- Top scores in Easy Application (4.7) and Loan Terms & Rate (4.6) among national banks.
- Users frequently mention consistent communication throughout the loan process.
- Strong balanced ratings with 4.5 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize competitive rates for jumbo loans and condominium financing.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 95% |
| Bank of America | Bank | 4.7 | 4.6 | 4.5 | 93% |
| Tropical Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Power Financial Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 89% |
| Chase | Bank | 4.6 | 4.3 | 4.2 | 88% |
| City National Bank of Florida | Bank | 4.3 | 4.3 | 4.3 | 87% |
| Fairwinds Credit Union | Credit Union | 4.2 | 4.2 | 4.3 | 86% |
| Wells Fargo | Bank | 4.5 | 4.1 | 4.0 | 85% |
| First Horizon Bank | Bank | 4.1 | 4.1 | 4.1 | 84% |
| Space Coast Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 83% |
| MIDFLORIDA Credit Union | Credit Union | 3.9 | 3.9 | 4.0 | 82% |
| One Florida Bank | Community Bank | 3.8 | 3.8 | 3.9 | 81% |
| Amerant Bank | Community Bank | 3.7 | 3.7 | 3.8 | 80% |
| GTE Financial | Credit Union | 3.6 | 3.6 | 3.7 | 79% |
| Grove Bank & Trust | Community Bank | 3.5 | 3.5 | 3.6 | 78% |
Palm Beach Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in West Palm Beach’s area are 1st Florida Mortgage, Suncoast Credit Union, and Bank of America.
- Highest Recommend % (96%) and perfect 5.0 in Support & Guidance, with 4.8 in Loan Terms & Rate.
- Homeowners feedback consistently love their in-house underwriting and fast closing times.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) among credit unions.
- Users highlight personalized service and competitive jumbo loan rates.
- Strong balanced ratings with 4.6 in both Easy Application and Loan Terms categories.
- Homeowners emphasize consistent communication throughout the loan process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| 1st Florida Mortgage | Community Bank | 4.7 | 4.8 | 5.0 | 96% |
| Suncoast Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Bank of America | Bank | 4.6 | 4.6 | 4.5 | 92% |
| Tropical Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Chase | Bank | 4.6 | 4.4 | 4.3 | 89% |
| Wells Fargo | Bank | 4.5 | 4.3 | 4.2 | 88% |
| Power Financial Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 87% |
| City National Bank of Florida | Bank | 4.3 | 4.2 | 4.3 | 86% |
| Fairwinds Credit Union | Credit Union | 4.2 | 4.1 | 4.2 | 85% |
| First Horizon Bank | Bank | 4.1 | 4.0 | 4.1 | 84% |
Tampa Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Tampa’s area are Suncoast Credit Union, GTE Financial, and Florida Credit Union.
- Highest Recommend % (96%) and Support & Guidance (4.9) scores among all lenders, with 4.7 in Loan Terms & Rate.
- Homeowners feedback highlight exceptional responsiveness and competitive jumbo loan rates for Tampa properties.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) among credit unions, with 4.6 in Support & Guidance.
- Users frequently mention specialized programs for medical professionals and first-time homebuyers.
- Strong balanced ratings with 4.5 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize personalized service and the Local Heroes program benefits.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.7 | 4.9 | 96% |
| GTE Financial | Credit Union | 4.8 | 4.7 | 4.6 | 94% |
| Florida Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Tampa Bay Federal Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 90% |
| Bank of America | Bank | 4.6 | 4.3 | 4.2 | 89% |
| Central Bank | Community Bank | 4.3 | 4.2 | 4.3 | 88% |
| Chase | Bank | 4.5 | 4.1 | 4.0 | 87% |
| Wells Fargo | Bank | 4.4 | 4.0 | 3.9 | 86% |
| Raymond James Bank | Bank | 4.2 | 4.1 | 4.0 | 85% |
| First Horizon Bank | Bank | 4.1 | 4.0 | 4.0 | 84% |
Orlando Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Orlando’s area are Orlando Credit Union, Florida Credit Union, and USF Credit Union.
- Highest Recommend % (96%) and perfect 5.0 in Support & Guidance, with 4.8 in Loan Terms & Rate.
- Homeowners feedback highlight their competitive 30-year fixed rate of 6.96% APR and specialized first-time homebuyer programs.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) with their FCU Local Heroes™ program offering $575 lender credit.
- Users frequently mention responsive service and competitive rates for conventional mortgages.
- Strong balanced ratings with 4.6 in both Loan Terms and Support & Guidance, featuring unique program.
- Homeowners like flexible terms and educator/medical professional programs with up to 100% financing.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Orlando Credit Union | Credit Union | 4.7 | 4.8 | 5.0 | 96% |
| Florida Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| USF Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 92% |
| Wings Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Community Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 88% |
| Bank of America | Bank | 4.6 | 4.3 | 4.2 | 87% |
| Chase | Bank | 4.5 | 4.2 | 4.1 | 86% |
| Wells Fargo | Bank | 4.4 | 4.1 | 4.0 | 85% |
| Fairwinds Credit Union | Credit Union | 4.3 | 4.0 | 4.1 | 84% |
| Suncoast Credit Union | Credit Union | 4.2 | 4.0 | 4.0 | 83% |
St-Petersburg Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in St. Petersburg’s area are Suncoast Credit Union, Raymond James Bank, and Pinellas Federal Credit Union.
- Highest Recommend % (96%) and Support & Guidance (4.9) scores among all lenders, with 4.7 in Loan Terms & Rate.
- Homeowners feedback highlight their responsive service and competitive jumbo loan rates for St. Petersburg properties.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) among banks, with 4.6 in Support & Guidance.
- Users frequently mention their state bond programs and personalized approach to mortgage lending.
- Strong balanced ratings with 4.5 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize their competitive rates and helpful guidance throughout the application process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.7 | 4.9 | 96% |
| Raymond James Bank | Bank | 4.8 | 4.7 | 4.6 | 94% |
| Pinellas Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Florida Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 90% |
| Bank of America | Bank | 4.6 | 4.3 | 4.2 | 89% |
| Chase | Bank | 4.5 | 4.2 | 4.1 | 88% |
| Wells Fargo | Bank | 4.4 | 4.1 | 4.0 | 87% |
| USF Credit Union | Credit Union | 4.3 | 4.0 | 4.1 | 86% |
| Cogent Bank | Bank | 4.2 | 4.1 | 4.0 | 85% |
| Waterstone Mortgage | Bank | 4.1 | 4.0 | 4.0 | 84% |
Jacksonville Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Jacksonville’s area are Florida Credit Union, Ameris Bank, and Community First Credit Union.
- Highest Recommend % (95%) and Support & Guidance (4.8) scores among all lenders, with 4.7 in Loan Terms & Rate.
- Homeowners feedback highlight their responsive service and competitive rates for conventional mortgages.
- Top scores in Easy Application (4.7) and Loan Terms (4.6) among banks, with 4.5 in Support & Guidance.
- Users frequently mention their specialized programs for diverse communities and competitive jumbo loan rates.
- Strong balanced ratings with 4.5 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize personalized service and helpful guidance throughout the application process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Florida Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 95% |
| Ameris Bank | Bank | 4.7 | 4.6 | 4.5 | 93% |
| Community First Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| RadiFi Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 89% |
| First Federal Bank | Bank | 4.3 | 4.3 | 4.3 | 88% |
| Regions Bank | Bank | 4.5 | 4.2 | 4.1 | 87% |
| Self-Help Credit Union | Credit Union | 4.2 | 4.2 | 4.2 | 86% |
| Bank of America | Bank | 4.4 | 4.1 | 4.0 | 85% |
| Chase | Bank | 4.3 | 4.0 | 3.9 | 84% |
| Wells Fargo | Bank | 4.2 | 3.9 | 3.8 | 83% |
Lakeland Best Home Loan Loans Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Lakeland’s area are MIDFLORIDA Credit Union, Florida Credit Union, and Suncoast Credit Union.
- Highest Recommend % (96%) and perfect 5.0 in Support & Guidance, with 4.8 in Loan Terms & Rate.
- Homeowners feedback highlight their local expertise and streamlined application process for Lakeland homebuyers.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) with 4.7 in Support & Guidance.
- Users frequently mention competitive rates and helpful guidance for first-time homebuyers.
- Strong balanced ratings with 4.6 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize responsive service and competitive jumbo loan options.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| MIDFLORIDA Credit Union | Credit Union | 4.7 | 4.8 | 5.0 | 96% |
| Florida Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 92% |
| Regions Bank | Bank | 4.5 | 4.4 | 4.3 | 89% |
| Bank of America | Bank | 4.4 | 4.3 | 4.2 | 87% |
| First Horizon Bank | Bank | 4.3 | 4.2 | 4.1 | 86% |
| Chase | Bank | 4.5 | 4.1 | 4.0 | 85% |
| Wells Fargo | Bank | 4.4 | 4.0 | 3.9 | 84% |
Palm Bay Best Home Loan Loans Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Palm Bay’s area are Community Credit Union of Florida, Florida Credit Union, and Suncoast Credit Union.
- Highest Recommend % (95%) and Support & Guidance (4.9) scores among all lenders, with 4.7 in Loan Terms & Rate.
- Homeowners feedback highlight their specialized Community Hero Mortgage program and responsive customer service.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) with 4.6 in Support & Guidance.
- Users frequently mention competitive rates and helpful guidance for first-time homebuyers.
- Strong balanced ratings with 4.6 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize personalized service and competitive jumbo loan options.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Community Credit Union of Florida | Credit Union | 4.7 | 4.7 | 4.9 | 95% |
| Florida Credit Union | Credit Union | 4.8 | 4.7 | 4.6 | 93% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| Regions Bank | Bank | 4.5 | 4.4 | 4.3 | 89% |
| Bank of America | Bank | 4.4 | 4.3 | 4.2 | 87% |
| Chase | Bank | 4.5 | 4.2 | 4.1 | 86% |
| Wells Fargo | Bank | 4.3 | 4.1 | 4.0 | 85% |
| First Horizon Bank | Bank | 4.2 | 4.0 | 4.1 | 84% |
Fort Myers Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Fort Myers’s area are Sanibel Captiva Community Bank, Florida Credit Union, and Suncoast Credit Union.
- Highest Recommend % (96%) and perfect 5.0 in Support & Guidance, with 4.8 in Loan Terms & Rate.
- Homeowners feedback highlight their deep local market knowledge and seamless loan application process.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) with 4.7 in Support & Guidance.
- Users frequently mention competitive rates and helpful guidance throughout the homebuying process.
- Strong balanced ratings with 4.6 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize responsive service and competitive jumbo loan options for Southwest Florida properties.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Sanibel Captiva Community Bank | Community Bank | 4.7 | 4.8 | 5.0 | 96% |
| Florida Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 92% |
| Regions Bank | Bank | 4.5 | 4.4 | 4.3 | 89% |
| Bank of America | Bank | 4.4 | 4.3 | 4.2 | 87% |
| Chase | Bank | 4.5 | 4.2 | 4.1 | 86% |
| Wells Fargo | Bank | 4.3 | 4.1 | 4.0 | 85% |
| First Horizon Bank | Bank | 4.2 | 4.0 | 4.1 | 84% |
Best Florida Online Home Loans Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Florida residents are Rocket Mortgage, Tomo Mortgage, and NBKC Bank.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50K-$3M | 5.75%-7.99% | 15/30 | 4.8 | 4.7 | 4.6 | 96% |
| Tomo Mortgage | $100K-$2.5M | 5.99%-8.25% | 15/20/30 | 4.7 | 4.6 | 4.5 | 94% |
| NBKC Bank | $50K-$2M | 6.25%-8.75% | 10/15/30 | 4.6 | 4.5 | 4.6 | 93% |
| Rate | $75K-$3M | 6.50%-8.50% | 15/20/30 | 4.5 | 4.4 | 4.3 | 91% |
| Cardinal Financial | $50K-$1.5M | 6.75%-9.25% | 15/30 | 4.4 | 4.3 | 4.2 | 90% |
| Guild Mortgage | $100K-$2M | 6.25%-8.50% | 15/20/30 | 4.3 | 4.2 | 4.4 | 89% |
| SoFi | $50K-$3M | 6.50%-8.75% | 10/15/30 | 4.5 | 4.1 | 4.0 | 88% |
| Pennymac | $50K-$2M | 6.75%-9.00% | 15/30 | 4.2 | 4.0 | 4.1 | 87% |
| Network Capital | $75K-$1.5M | 7.00%-9.25% | 15/20/30 | 4.1 | 3.9 | 4.0 | 86% |
| U.S. Bank | $50K-$2M | 6.25%-8.50% | 15/30 | 4.0 | 3.8 | 3.9 | 85% |
| Flagstar Bank | $100K-$2.5M | 6.50%-8.75% | 15/20/30 | 3.9 | 3.7 | 3.8 | 84% |
| PNC Bank | $50K-$2M | 6.75%-9.00% | 15/30 | 3.8 | 3.6 | 3.7 | 83% |
| Northpointe Bank | $75K-$1.5M | 7.25%-9.50% | 15/20/30 | 3.7 | 3.5 | 3.6 | 82% |
| First Federal Bank | $50K-$1M | 7.50%-9.75% | 15/30 | 3.6 | 3.4 | 3.5 | 81% |
| Wells Fargo | $50K-$3M | 6.00%-8.25% | 10/15/30 | 3.5 | 3.3 | 3.4 | 80% |
