11 Best Tampa Mortgage Lenders of 2021
If you’re looking for a Tampa mortgage lender, we’ve done the legwork. Here are well-regarded lenders for several types of borrowers.


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You have many choices when shopping for a mortgage in the Tampa Bay area. To make your decision easier, NerdWallet has selected some of the top-rated lenders around Tampa and St. Petersburg. While most are high-volume national and regional lenders that we have reviewed, we've also included some local mortgage companies that do plenty of business in the area.
From New Port Richey to St. Pete Beach, and all the way over to Plant City, here are our picks for lenders that cater to borrowers in various categories.
These mortgage lenders are among the most active institutions in the Tampa Bay area. They have been reviewed and rated by NerdWallet.
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.
11 Best Tampa Mortgage Lenders of 2021
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
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620 | 3% | Learn more at Rate | ||
620 | 1% | Learn more at Rocket Mortgage, LLC | ||
660 | 5% | Compare More Lenders on NerdWallet | ||
620 | 3% | Compare More Lenders on NerdWallet | ||
620 | 3% | Compare More Lenders on NerdWallet | ||
620 | 3% | Compare More Lenders on NerdWallet | ||
N/A | 5% | Compare More Lenders on NerdWallet | ||
620 | 3% | Compare More Lenders on NerdWallet | ||
N/A | 3% | Compare More Lenders on NerdWallet | ||
N/A | 0% | Compare More Lenders on NerdWallet | ||
N/A | 0% | Compare More Lenders on NerdWallet |
Local mortgage lenders in Tampa
These companies are among the highest-volume lenders in the Tampa Bay area. While they haven't been reviewed by NerdWallet, give them a look if you prefer doing business with a local institution.
Offers a first-time home buyer 10/1 ARM with a 3% down payment and no private mortgage insurance requirement.
Has a “Community Heroes” loan program for teachers, nurses, law enforcement and other eligible professions that features 100% financing.
Posts its mortgage interest rates online.
Allows you to start a mortgage application online.
Credit union that posts and updates interest rates daily.
Has a low down-payment loan for first-time home buyers, plus FHA, VA and home equity loans.
Offers English and Spanish-language online mortgage applications.
Has multiple locations in the Tampa Bay area.
Offers conventional mortgages with as little as 3% for a down payment, as well as FHA, VA and USDA loans.
Provides cash-out refinances and the streamlined refinancing of VA and FHA mortgages.
Has five Tampa Bay branches.
Offers purchase, refinance and home equity loans and lines of credit.
Posts its mortgage interest rates online.
Has a preapproval program that gives a loan commitment for up to six months, even before finding a home.
Lets you "float down" a locked interest rate in the event that rates drop.
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.
NerdWallet's Best Tampa Mortgage Lenders of 2021
- Rate: Best for online experience
- Rocket Mortgage, LLC: Best for refinancing
- Bank of America: Best for low down payments
- loanDepot: Best for FHA loans
- Caliber: Best for online experience
- SunTrust (Truist): Best for jumbo loans
- Flagstar: Best for FHA loans
- Homebridge: Best for home renovation loans
- BB&T (Truist): Best for jumbo loans
- USAA: Best for VA loans
- Navy Federal: Best for VA loans