Advertiser Disclosure

Best Tampa Mortgage Lenders of 2019

Feb. 6, 2019
Finding the Right Mortgage, Mortgages
At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Here’s how we make money.

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.

» MORE: Find out about Florida first-time home buyer programs

NerdWallet’s best Tampa mortgage lenders

These mortgage lenders are among the most active institutions in the Tampa Bay area. They have been reviewed and rated by NerdWallet.

Learn more

at Rocket Mortgage

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for anyone who appreciates smartphone app service, support and time savings. A fully digital home loan experience with a large variety of mortgage products.

 

Learn more

at Caliber Home

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for first-time home buyers, veterans and those who may have credit challenges to overcome.

 

Learn more

at SunTrust

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for first-time home buyers, including those with little money saved for a down payment. SunTrust's online portal offers information and tools in English and in Spanish.

 

Learn more

at Bank of America

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers who prefer a traditional bank. Bank of America offers a wide array of mortgages and online account management tools. It also has first-time home buyer loans with low down payments and no mandatory mortgage insurance.

 

Learn more

at LoanDepot

Min. credit score

620

Min. down payment

3.5%

Why we like it

Ideal for borrowers looking for a loan selection that nearly rivals banks. LoanDepot has affiliated locations nationwide and is well-rated for low customer complaint volume.

 

Learn more

at Flagstar

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for those who appreciate the full-service experience of a leading regional bank. Flagstar offers a full menu of fixed and adjustable home loans and mortgage refinancing, as well as jumbo loans and home equity financing.

 

Learn More

at Homebridge

Min. credit score

550

Min. down payment

3%

Why we like it

Ideal for borrowers who prefer an online experience. Homebridge offers a variety of home loan options and an online application.

 

Learn more

at BB&T Mortgage

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers in the Southeast who want face-to-face service at one of more than 2,000 financial centers.

 

Read review

at NerdWallet

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers who are looking to apply for a mortgage and manage the process through online tools, whether buying or refinancing. Guaranteed Rate offers FHA, VA and USDA loans for borrowers who meet robust guidelines.

 

Learn more

at USAA

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for military members and their relatives who are interested in a VA loan.

 

Learn more

at Navy Federal

National / regional

National

Min. down payment

0%

Why we like it

Ideal for military members and their families. Navy Federal Credit Union offers a wide range of mortgage products and low minimum loan amounts, and considers alternative credit data.

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.

Suncoast Credit Union

  • 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.

GTE Financial

  • 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.

Movement Mortgage

  • 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.

Third Federal Savings & Loan

  • 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.

Best Tampa mortgage lenders: summary

More from NerdWallet

NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.