BEST OF
10 Best Florida Mortgage Lenders of 2021
NerdWallet can help you choose the best Florida mortgage lender for you, from all-digital online specialists to major banks for in-person service.
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.
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.
Summary of Best Florida Mortgage Lenders of 2021
Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
---|---|---|---|---|
Best for online lending | 620 | 3% | at Rocket Mortgage by Quicken Loans | |
Best for borrowers with bad credit | 620 | 3% | at New American Funding | |
Best for online lending | 620 | 3% | at Guaranteed Rate | |
Best for face-to-face service | 620 | 3% | at Chase | |
Best for first-time home buyers | 620 | 3% | at Quicken Loans | |
Best for refinancing | 620 | 5% | at Reali Loans | |
Best for first-time home buyers | 620 | 3% | Read review | |
Best for face-to-face service | 620 | 3% | Read review | |
Best for refinancing | 620 | 3% | Read review | |
Best for borrowers with bad credit | 620 | 3% | Read review |
at Rocket Mortgage by Quicken Loans
Rocket Mortgage by Quicken Loans: NMLS#3030
Min. Credit Score
Min. Down Payment
at Rocket Mortgage by Quicken Loans
at New American Funding
New American Funding: NMLS#6606
Min. Credit Score
Min. Down Payment
at New American Funding
at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. Credit Score
Min. Down Payment
at Guaranteed Rate
at Chase
Chase: NMLS#399798
Min. Credit Score
Min. Down Payment
at Chase
at Quicken Loans
Quicken Loans: NMLS#3030
Min. Credit Score
Min. Down Payment
at Quicken Loans
at Reali Loans
Reali Loans: NMLS#991397
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Min. Credit Score
National / Regional
at Reali Loans
SunTrust (Truist): NMLS#2915

Min. Credit Score
Min. Down Payment
Bank of America: NMLS#399802

Min. Credit Score
Min. Down Payment
BB&T (Truist): NMLS#399803

Min. Credit Score
Min. Down Payment
Churchill: NMLS#1591

Min. Credit Score
Min. Down Payment
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 26, 2021
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.
To recap our selections...
NerdWallet's Best Florida Mortgage Lenders of 2021
- Rocket Mortgage by Quicken Loans: Best for online lending
- New American Funding: Best for borrowers with bad credit
- Guaranteed Rate: Best for online lending
- Chase: Best for face-to-face service
- Quicken Loans: Best for first-time home buyers
- Reali Loans: Best for refinancing
- SunTrust (Truist): Best for first-time home buyers
- Bank of America: Best for face-to-face service
- BB&T (Truist): Best for refinancing
- Churchill: Best for borrowers with bad credit