{"id":7284,"date":"2025-08-18T14:52:31","date_gmt":"2025-08-18T19:52:31","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=7284"},"modified":"2025-08-26T10:31:36","modified_gmt":"2025-08-26T15:31:36","slug":"best-mortgage-lenders-in-florida-backed-by-data","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/best-mortgage-lenders-in-florida-backed-by-data\/","title":{"rendered":"Best Mortgage Lenders in Florida\u2014Backed by Data"},"content":{"rendered":"\n<!-- Florida Mortgage Lenders - Embeddable Showcase (TrueRate-green styling, headline eyebrow applied to all lenders) -->\n<section id=\"al-mortgage-showcase\" class=\"tomo-embed\" lang=\"en\" role=\"region\" aria-labelledby=\"al-lenders-heading\">\n  <style>\n    \/* ----- TrueRate-like design tokens (dark green + mint) ----- *\/\n    #al-mortgage-showcase {\n      --primary: #0a6c5b;          \/* dark green (buttons + headers) *\/\n      --primary-700: #084e42;      \/* darker hover *\/\n      --accent: #1aa59a;           \/* supportive teal *\/\n      --ink: #0f172a;              \/* near-black for headings *\/\n      --body: #334155;             \/* body copy *\/\n      --muted: #64748b;            \/* muted text *\/\n      --bg: #ffffff;               \/* card background *\/\n      --surface: #e8f5f1;          \/* mint surface *\/\n      --border: #dbe5e0;           \/* subtle borders *\/\n      --radius: 16px;\n\n      font-family: ui-sans-serif, -apple-system, Segoe UI, Roboto, Inter, \"Helvetica Neue\", Arial, system-ui, \"Apple Color Emoji\", \"Segoe UI Emoji\", \"Segoe UI Symbol\";\n      color: var(--body);\n      background: transparent;\n      margin: 0 auto;\n      max-width: 980px;\n      line-height: 1.6;\n    }\n\n    \/* Page header *\/\n    #al-mortgage-showcase .page-head { display: grid; gap: 10px; margin-bottom: 18px; padding: 6px 2px; }\n    #al-mortgage-showcase h1#al-lenders-heading { margin: 0; font-weight: 800; font-size: clamp(24px, 3.4vw, 34px); color: var(--ink); letter-spacing: -0.01em; }\n    #al-mortgage-showcase .lead { margin: 0; color: var(--muted); }\n\n    \/* Cards *\/\n    #al-mortgage-showcase .card {\n      background: var(--bg);\n      border: 1px solid var(--border);\n      border-radius: var(--radius);\n      box-shadow: 0 8px 28px rgba(17, 24, 39, 0.08);\n      overflow: clip;\n      margin: 18px 0;\n    }\n    #al-mortgage-showcase .banner {\n      background: linear-gradient(135deg, var(--primary), var(--primary-700));\n      color: #fff;\n      padding: 18px 22px;\n      display: grid; gap: 6px;\n    }\n    \/* Eyebrow (plain white label) *\/\n    #al-mortgage-showcase .eyebrow {\n      color:#fff; font-size:12px; letter-spacing:.08em; text-transform:uppercase;\n      display:block; margin-bottom:2px; font-weight:700;\n    }\n    #al-mortgage-showcase .title { margin: 0; font-weight: 900; font-size: clamp(20px, 3vw, 28px); line-height: 1.15; }\n\n    \/* Body layout *\/\n    #al-mortgage-showcase .body { padding: 20px 22px; display: grid; grid-template-columns: 1.15fr .85fr; gap: 22px; }\n    @media (max-width: 780px) { #al-mortgage-showcase .body { grid-template-columns: 1fr; } }\n    #al-mortgage-showcase h3 { margin: 0 0 6px; color: var(--ink); font-size: 18px; font-weight: 800; letter-spacing: -.01em; }\n\n    \/* Fact chips *\/\n    #al-mortgage-showcase .factgrid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 10px; }\n    @media (max-width: 480px) { #al-mortgage-showcase .factgrid { grid-template-columns: 1fr; } }\n    #al-mortgage-showcase .chip { background: var(--surface); border: 1px solid var(--border); border-radius: 12px; padding: 10px 12px; }\n    #al-mortgage-showcase .chip dt { font-size: 12px; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; margin-bottom: 2px; }\n    #al-mortgage-showcase .chip dd { margin: 0; color: var(--ink); font-weight: 700; }\n\n    \/* Buttons (dark green, no secondary buttons) *\/\n    #al-mortgage-showcase .actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 10px; }\n    #al-mortgage-showcase .btn {\n      appearance: none; border: 1px solid transparent; background: var(--primary); color: #fff;\n      font-weight: 700; padding: 10px 14px; border-radius: 10px; text-decoration: none; display: inline-flex; align-items: center; justify-content: center;\n      transition: transform .02s ease, box-shadow .2s ease, background .2s ease; box-shadow: 0 6px 16px rgba(10,108,91,.25);\n    }\n    #al-mortgage-showcase .btn:hover { background: var(--primary-700); transform: translateY(-1px); }\n\n    \/* Sections *\/\n    #al-mortgage-showcase .section { padding: 0 22px 20px; border-top: 1px solid var(--border); }\n    #al-mortgage-showcase .section h4 { margin: 16px 0 6px; font-size: 16px; color: var(--ink); }\n    #al-mortgage-showcase .callout { background: #eef8f4; border: 1px solid #cfe7df; border-radius: 12px; padding: 12px 14px; margin-top: 10px; }\n\n    \/* Quotes *\/\n    #al-mortgage-showcase .quotes { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 14px; }\n    @media (max-width: 780px) { #al-mortgage-showcase .quotes { grid-template-columns: 1fr; } }\n    #al-mortgage-showcase blockquote { margin: 0; background: var(--surface); border: 1px solid var(--border); border-radius: 12px; padding: 14px; font-size: 15px; }\n    #al-mortgage-showcase blockquote footer { margin-top: 8px; font-size: 13px; color: var(--muted); font-style: normal; }\n\n    \/* At-a-Glance table *\/\n    #al-mortgage-showcase .glance-card table { width: 100%; border-collapse: collapse; font-size: 14px; background: var(--bg); }\n    #al-mortgage-showcase .glance-card th, #al-mortgage-showcase .glance-card td { border: 1px solid var(--border); padding: 10px; text-align: left; vertical-align: top; }\n    #al-mortgage-showcase .glance-card th { background: var(--surface); color: var(--ink); font-weight: 800; }\n\n    \/* Extra space before Market Context (Rocket\/Regions) *\/\n    #al-mortgage-showcase #other-big-lenders { margin-top: 42px; }\n  <\/style>\n\n  <!-- Intro -->\n  <!-- Research intro copy -->\n  <section class=\"card\" id=\"intro-card\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">How we picked<\/span>\n      <h2 class=\"title\">Data-driven picks for Florida buyers<\/h2>\n    <\/div>\n    <div class=\"section\" style=\"border-top:none;padding-top:16px\">\n      <p>Buying a home in Florida? Whether you&#8217;re eyeing a beachfront condo or a suburban bungalow, the stakes are high. Between rising insurance costs, bidding wars, and fast-changing interest rates, the mortgage you choose matters more than ever. \n<\/p>\n        <p>To help buyers make smarter choices, we crunched the numbers. We analyzed closed-loan data from hundreds of thousands of loans across 140 different lenders operating in Florida. Check out the full \n        <a href=\"https:\/\/tomo.com\/mortgage\/interest-rates-today\/fl?utm_source=tomo_blog&#038;utm_campaign=state-reviews\" target=\"_blank\">TrueRate analysis<\/a>.\n      <\/p>\n      <p>\n        We also categorized lenders to help you find the right fit\u2014whether you\u2019re a first-time buyer, looking for a digital-first experience, or need something more specialized.\n      <\/p>\n    <\/div>\n  <\/section>\n\n  <!-- ======= FEATURE: Tomo Mortgage ======= -->\n  <article class=\"card\" itemscope itemtype=\"https:\/\/schema.org\/Organization\" id=\"tomo-mortgage\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Best for Low Rates &#038; Overall Experience<\/span>\n      <h2 class=\"title\" itemprop=\"name\">Tomo Mortgage<\/h2>\n    <\/div>\n\n    <div class=\"body\">\n      <section>\n        <h3>Why it stands out<\/h3>\n        <p>\n          Ok, we\u2019re a little biased, but the numbers speak for themselves\u2014low rates, no lender fees, better reviews.\n          Tomo Mortgage was founded in 2025 by former Zillow execs who wanted to fix what was broken in the mortgage industry. They did away with bait-and-switch prices, inflated rates, and confusing fees. It was ranked <em>Best Online Lender 2025<\/em> by \n          <a href=\"https:\/\/www.bankrate.com\/mortgages\/reviews\/tomo\/\" target=\"_blank\" rel=\"nofollow noopener\">Bankrate<\/a>, based on its strong customer reviews and backing from major financial services firms. Tomo historically has some of the lowest\n          rates among lenders operating in Florida.\n        <\/p>\n        <p>\n          Lower rates drive more transparency: you can get personalized rates online without applying or speaking to sales.\n          The rate tool includes a slider that shows how your monthly payment changes with and without points\u2014clarity and control from the start.\n        <\/p>\n        <div class=\"callout\">\n          <strong>Heads-up on refinancing:<\/strong> Tomo Mortgage doesn\u2019t offer refinancing at this time. \u201cFree refi\u201d offers elsewhere often\n          trade today\u2019s higher rate for a future promise\u2014so compare the total cost carefully.\n        <\/div>\n        <div class=\"actions\" role=\"group\" aria-label=\"Tomo actions\">\n          <a class=\"btn\" href=\"https:\/\/tomo.com\/mortgage\/rates?utm_source=tomo_blog&#038;utm_campaign=state-reviews\" target=\"_blank\">See today\u2019s rates<\/a>\n        <\/div>\n        <p style=\"margin-top:10px\">\n          <strong>Read full review:<\/strong>\n          <a href=\"https:\/\/tomo.com\/blog\/reviews-tomo-mortgage\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Tomo Mortgage<\/a>\n        <\/p>\n      <\/section>\n\n      <aside aria-label=\"At-a-glance facts\">\n        <div class=\"factgrid\">\n          <dl class=\"chip\"><dt>Headquarters<\/dt><dd itemprop=\"address\">New York, NY<\/dd><\/dl>\n          <dl class=\"chip\" itemscope itemtype=\"https:\/\/schema.org\/QuantitativeValue\">\n            <dt>Interest Rates<\/dt><dd itemprop=\"value\">~0.30% below median (historical)<\/dd>\n          <\/dl>\n          <dl class=\"chip\"><dt>Lender Fees<\/dt><dd itemprop=\"feesAndCommissionsSpecification\">$0<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Website<\/dt><dd><a href=\"https:\/\/tomo.com\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\">tomo.com<\/a><\/dd><\/dl>\n        <\/div>\n      <\/aside>\n    <\/div>\n\n    <div class=\"section\">\n      <h4>What borrowers say<\/h4>\n      <div class=\"quotes\">\n        <blockquote>\u201cI almost went with a different lender at first but ended up going to tomo and I\u2019m glad I did\u2026 10\/10\u201d<footer>\u2014 Melina B., Virginia (via <a href=\"https:\/\/g.page\/r\/Cf10TpoZrKUYEAE\/review\" target=\"_blank\" rel=\"nofollow\">Google<\/a>) <\/footer><\/blockquote>\n        <blockquote>\u201cLoan advisory team was remarkably responsive\u2026 stayed engaged until the very end.\u201d<footer>\u2014 Selva D., New Jersey (via <a href=\"https:\/\/g.page\/r\/Cf10TpoZrKUYEAE\/review\" target=\"_blank\" rel=\"nofollow\">Google<\/a>) <\/footer><\/blockquote>\n        <blockquote>\u201cBecause of Tomo\u2019s low APRs\u2026 it gets a perfect 5 out of 5 stars for affordability.\u201d<footer>\u2014 Bankrate Editors (via <a href=\"https:\/\/www.bankrate.com\/mortgages\/reviews\/tomo\/#at-a-glance\" target=\"_blank\" rel=\"nofollow\">Bankrate<\/a>) <\/footer><\/blockquote>\n      <\/div>\n    <\/div>\n  <\/article>\n\n<!-- ======= USF Credit Union ======= -->\n  <article class=\"card\" itemscope itemtype=\"https:\/\/schema.org\/Organization\" id=\"usf credit union\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Best Local Credit Union<\/span>\n      <h2 class=\"title\" itemprop=\"name\">USF Credit Union<\/h2>\n    <\/div>\n\n    <div class=\"body\">\n      <section>\n        <h3>Why it stands out<\/h3>\n        <p>\n       USF Credit Union, founded in 1959 and headquartered in Tampa, Florida, serves over 75,000 members with assets exceeding $1.2 billion. Originally established for University of South Florida faculty and staff, membership now extends to students, alumni, family, and employees of affiliated organizations. USF FCU offers comprehensive financial services, including loans, mortgages, and digital banking, through multiple branches and nationwide shared networks.\n        <\/p>\n  \n        <div class=\"actions\" role=\"group\" aria-label=\"USF Credit Union actions\">\n          <a class=\"btn\" href=\"https:\/\/tomo.com\/mortgage\/interest-rates-today\/fl?utm_source=tomo_blog&#038;utm_campaign=state-reviews\">See rate ranges<\/a>\n        <\/div>\n        <p style=\"margin-top:10px\">\n          <strong>Read full review:<\/strong>\n          <a href=\"https:\/\/tomo.com\/blog\/review-usf-credit union\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">USF Credit Union<\/a>\n        <\/p>\n      <\/section>\n\n      <aside aria-label=\"At-a-glance facts\">\n        <div class=\"factgrid\">\n          <dl class=\"chip\"><dt>Headquarters<\/dt><dd itemprop=\"address\">Tampa, FL<\/dd><\/dl>\n          <dl class=\"chip\" itemscope itemtype=\"https:\/\/schema.org\/QuantitativeValue\">\n            <dt>Interest Rates<\/dt><dd itemprop=\"value\">~0.42% below median (historical)<\/dd>\n          <\/dl>\n          <dl class=\"chip\"><dt>Lender Fees<\/dt><dd itemprop=\"feesAndCommissionsSpecification\">~$1,540<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Website<\/dt><dd><a href=\"https:\/\/www.usffcu.com\/\" target=\"_blank\" rel=\"nofollow noopener\">\tusffcu.com<\/a><\/dd><\/dl>\n        <\/div>\n      <\/aside>\n    <\/div>\n\n    <div class=\"section\"><h4>What borrowers say<\/h4><p> Most visible reviews about USF Credit Union on Yelp and other third-party sites focus overwhelmingly on general banking, auto loans, and member service, with only scattered references to mortgage-specific experiences.\n<\/p> <div class=\"quotes\">\n        <blockquote>\u201c2k later and then they deny me for a different issue they had already previously approved. I do not recommend this company.\u201d<footer>\u2014 Christopher W., FL(via <a href=\"https:\/\/www.yelp.com\/biz\/usf-federal-credit-union-temple-terrace-2#reviews\" target=\"_blank\" rel=\"nofollow\">Yelp<\/a>) <\/footer><\/blockquote>\n <\/div>\n  <\/article>\n\n  <!-- ======= Alliant Credit Union ======= -->\n  <article class=\"card\" itemscope itemtype=\"https:\/\/schema.org\/Organization\" id=\"cadence-bank\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Best for Low Down Payment Loans<\/span>\n      <h2 class=\"title\" itemprop=\"name\">Alliant Credit Union<\/h2>\n    <\/div>\n\n    <div class=\"body\">\n      <section>\n        <h3>Why it stands out<\/h3>\n        <p>\n          Alliant Credit Union is a digital, member-owned, nonprofit financial institution headquartered in Chicago, serving over 800,000 members nationwide. As an online-only lender, Alliant offers a broad range of mortgage solutions with a focus on affordability, variety, and convenience. Bankrate gave Alliant Credit Union a 4.7\/5 stars\n        <\/p>\n        <p>\n          Our TrueRate model shows Alliant Credit Union Historically has lower than typical interest rates. \n        <\/p>\n        <div class=\"actions\" role=\"group\" aria-label=\"Alliant actions\">\n          <a class=\"btn\" href=\"https:\/\/tomo.com\/mortgage\/interest-rates-today\/ca?utm_source=tomo_blog&#038;utm_campaign=state-reviews\">See rate ranges<\/a>\n        <\/div>\n        <p style=\"margin-top:10px\">\n          <strong>Read full review:<\/strong>\n          <a href=\"https:\/\/tomo.com\/blog\/review-alliant-credit-union\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Alliant Credit Union<\/a>\n        <\/p>\n      <\/section>\n\n      <aside aria-label=\"At-a-glance facts\">\n        <div class=\"factgrid\">\n          <dl class=\"chip\"><dt>Headquarters<\/dt><dd itemprop=\"address\">Chicago, Il<\/dd><\/dl>\n          <dl class=\"chip\" itemscope itemtype=\"https:\/\/schema.org\/QuantitativeValue\">\n            <dt>Interest Rates<\/dt><dd itemprop=\"value\">~0.31% below median (historical)<\/dd>\n          <\/dl>\n          <dl class=\"chip\"><dt>Lender Fees<\/dt><dd itemprop=\"feesAndCommissionsSpecification\">~$950<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Website<\/dt><dd><a href=\"https:\/\/cadencebank.com\/\" target=\"_blank\" rel=\"nofollow noopener\">cadencebank.com<\/a><\/dd><\/dl>\n        <\/div>\n      <\/aside>\n    <\/div>\n\n    <div class=\"section\"><h4>What borrowers say<\/h4><p>Alliant Credit Union is praised for its affordability, offering competitive rates, low origination fees, and a transparent, \u201cno surprises\u201d approach to closing costs. Borrowers benefit from a wide variety of loan options and digital convenience, with high customer ratings on platforms like Zillow and Bankrate.<\/p> <div class=\"quotes\">\n        <blockquote>\u201cAmong the many lenders I encountered, Alliant quickly rose to the top. Their initial rate quote was highly competitive, but what truly made the difference was the exceptional support I received.\u201d<footer>\u2014 Laura, MT(via <a href=\"https:\/\/www.bankrate.com\/mortgages\/reviews\/alliant-credit-union\/#customer-ratings-and-reviews\" target=\"_blank\" rel=\"nofollow\">Bankrate<\/a>) <\/footer><\/blockquote>\n<blockquote>\u201cAlliant Advantage Mortgage program allows for a loan of up to $650,000 without a down payment or mortgage insurance payments \u201d<footer>\u2014 Bankrate Editors (via <a href=\"https:\/\/www.bankrate.com\/mortgages\/reviews\/alliant-credit-union\/\" target=\"_blank\" rel=\"nofollow\">Bankrate<\/a>) <\/footer><\/blockquote> <\/div>\n  <\/article>\n<!-- ======= United Nations Federal Credit Union ======= -->\n  <article class=\"card\" itemscope itemtype=\"https:\/\/schema.org\/Organization\" id=\"bank-independent\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Best for Expats and UN-Affiliated Employees<\/span>\n      <h2 class=\"title\" itemprop=\"name\">United Nations Federal Credit Union<\/h2>\n    <\/div>\n\n    <div class=\"body\">\n      <section>\n        <h3>Why it stands out<\/h3>\n        <p>\n         United Nations Federal Credit Union (UNFCU) was founded by UN employees in 1947 and continues to primarily serve UN staff and their families. As a not\u2011for\u2011profit cooperative, UNFCU reinvests its earnings into its members, offering global banking solutions tailored to the UN community\u2014like flexible lending that accommodates unique UN contract terms, often resulting in more competitive rates and lower fees.  <\/p>\n<p>\n  Our TrueRate analysis of thousands of loans shows their interest rates trend below market norm.\n<\/p>\n        <div class=\"actions\" role=\"group\" aria-label=\"United Nations Federal Credit Union actions\">\n          <a class=\"btn\" href=\"https:\/\/tomo.com\/mortgage\/interest-rates-today\/dc?utm_source=tomo_blog&#038;utm_campaign=state-reviews\">See rate ranges<\/a>\n        <\/div>\n        <p style=\"margin-top:10px\">\n          <strong>Read full review:<\/strong>\n          <a href=\"https:\/\/tomo.com\/blog\/review-united-nations-federal-credit-union\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">United Nations Federal Credit Union<\/a>\n        <\/p>\n      <\/section>\n\n      <aside aria-label=\"At-a-glance facts\">\n        <div class=\"factgrid\">\n          <dl class=\"chip\"><dt>Headquarters<\/dt><dd itemprop=\"address\">Long Island City, NY<\/dd><\/dl>\n          <dl class=\"chip\" itemscope itemtype=\"https:\/\/schema.org\/QuantitativeValue\">\n            <dt>Interest Rates<\/dt><dd itemprop=\"value\">~0.28% below median (historical)<\/dd>\n          <\/dl>\n          <dl class=\"chip\"><dt>Lender Fees<\/dt><dd itemprop=\"feesAndCommissionsSpecification\">~$825<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Website<\/dt><dd><a href=\"https:\/\/\tunfcu.org\/\" target=\"_blank\" rel=\"nofollow noopener\">\tunfcu.org\/<\/a><\/dd><\/dl>\n        <\/div>\n      <\/aside>\n    <\/div>\n\n    <div class=\"section\"><h4>What borrowers say<\/h4><p>Customer reviews of UNFCU\u2019s mortgage services are split between glowing praise and deep frustration. Praise focuses on personalized services and low rates, while the negative centers around bureaucratic and slow processes as well as communication. <\/p>  <div class=\"quotes\">\n        <blockquote>\u201c Not only did he get me lowest rate on an ARM anyone had ever heard of at that time, he held my hand every step of the way, answered all my questions and calls, and soothed all my anxieties about being a disorganized client. When I closed, all the lawyers oohed and aahed\u201d<footer>\u2014 Jude D., NY (via <a href=\"https:\/\/www.yelp.com\/biz\/united-nations-federal-credit-union-queens-2\" target=\"_blank\" rel=\"nofollow\">Yelp<\/a>) <\/footer><\/blockquote>\n<blockquote>\u201cWith certainty I do not believe we would have been able to acquire this home without her thorough knowledge and experience. She also beat other lenders with our rate &#8211; there was no competition there.\u201d<footer>\u2014 Leticia L.,FL (via <a href=\"https:\/\/www.yelp.com\/biz\/united-nations-federal-credit-union-queens-2#reviews\" target=\"_blank\" rel=\"nofollow\">Yelp<\/a>) <\/footer><\/blockquote> \n  <blockquote>\u201cVery slow and bureaucratic process. Our friends with other banks could get things done much faster, both for their original mortgage and for refinancing.\u201d<footer>\u2014 WalletHub User (via <a href=\"https:\/\/wallethub.com\/profile\/united-nations-federal-credit-union-13308037i#reviews\" target=\"_blank\" rel=\"nofollow\">WalletHub<\/a>) <\/footer><\/blockquote>\n  <\/article>\n  <!-- ======= Market Context (extra top padding; removed Regions website mention) ======= -->\n  <section class=\"card\" id=\"other-big-lenders\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Market Context<\/span>\n      <h2 class=\"title\">Other Big Mortgage Lenders in Florida<\/h2>\n    <\/div>\n    <div class=\"section\" style=\"border-top:none;padding-top:16px\">\n      <p>\n       Rocket Mortgage and CrossCountry Mortgage originated billions in Florida loans last year, but ony CrossCountry appeared in our closed-loan dataset.\n        We reviewed <a href=\"https:\/\/www.consumerfinance.gov\/data-research\/hmda\/\" target=\"_blank\">HMDA volume<\/a> and spot-checked public rate sources for context. \n        These aren\u2019t directly comparable to our ranked lenders, but they\u2019re useful reference points when shopping broadly.\n      <\/p>\n    <\/div>\n    <div class=\"section\" style=\"display:grid;grid-template-columns:1fr 1fr;gap:18px;\">\n      <article>\n        <h3>Rocket Mortgage<\/h3>\n        <p>Originated <strong>$7.6B+<\/strong> in Florida home loans in 2024 across <strong>24,000+<\/strong> loans (avg. loan size ~$315k). Mix: ~42% refi, ~57% purchase.<\/p>\n      <\/article>\n      <article>\n        <h3>CrossCountry Mortgage<\/h3>\n        <p>Originated around <strong> $4B+<\/strong> across <strong>10,000+<\/strong> Florida loans in 2024 (avg. ~$398k). Mix: ~90% purchase, ~10% refi. CrossCountry\u2019s median rates per our TrueRate dataset, are about average\u2014just 0.09% below the median\u2014saving $70 in the first year but adding $2,643 in costs over 10 years. Against Tomo Mortgage, the gap widens: borrowers would pay $2,507 more after one year and $13,828 more over 10 years. Even small rate differences add up significantly.<\/p>\n      <\/article>\n    <\/div>\n  <\/section>\n\n  <!-- ======= At-a-Glance Summary (human-friendly table; LLM-friendly too) ======= -->\n  <section class=\"card glance-card\" id=\"at-a-glance\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">At-a-Glance<\/span>\n      <h2 class=\"title\">Quick Comparison Summary<\/h2>\n    <\/div>\n    <div class=\"section\" style=\"border-top:none;padding-top:16px\">\n      <table aria-label=\"At-a-glance lender comparison\">\n        <thead>\n          <tr>\n            <th>Lender<\/th>\n            <th>Pick<\/th>\n            <th>HQ<\/th>\n            <th>Interest Rates (historical)<\/th>\n            <th>Lender Fees<\/th>\n            <th>Notable Programs \/ Notes<\/th>\n            <th>Website<\/th>\n            <th>Full Review<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>Tomo Mortgage<\/td>\n            <td>Best Overall (Low Rates)<\/td>\n            <td>New York, NY<\/td>\n            <td>~0.30% below median (historical)<\/td>\n            <td>$0<\/td>\n            <td>Named Best Online Lender by Bankrate; online personalized rates; no lending fees; no refi currently<\/td>\n            <td><a href=\"https:\/\/tomo.com\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">tomo.com<\/a><\/td>\n            <td><a href=\"https:\/\/tomo.com\/blog\/reviews-tomo-mortgage\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Read full review<\/a><\/td>\n          <\/tr>\n          <tr>\n            <td>USF Credit Union<\/td>\n            <td>Best Local Credit Union<\/td>\n            <td>Tampa, FL<\/td>\n            <td>~0.42% below median (historical)<\/td>\n            <td>~$1,540<\/td>\n            <td> Community-focused lender, historically low rates, limited customer mortgage feedback. <\/td>\n            <td><a href=\"https:\/\/www.usffcu.com\" target=\"_blank\" rel=\"nofollow noopener\">usffcu.com<\/a><\/td>\n            <td><a href=\"https:\/\/tomo.com\/blog\/review-usf-credit-union\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Read full review<\/a><\/td>\n          <\/tr>\n          <tr>\n            <td>United Nations Federal Credit Union<\/td>\n            <td>Best for Expats and UN-Affiliated Employees<\/td>\n            <td>Long Island City, NY<\/td>\n            <td>~0.28% below median (historical)<\/td>\n            <td>~$995<\/td>\n            <td>Competitive rates and loan options for expats, mixed reviews..<\/td>\n            <td><a href=\"https:\/\/www.unfcu.org\/\" target=\"_blank\" rel=\"nofollow noopener\">unfcu.org<\/a><\/td>\n            <td><a href=\"https:\/\/tomo.com\/blog\/review-united-nations-federal-credit-union\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Read full review<\/a><\/td>\n          <\/tr>\n          <tr>\n            <td>Alliant Credit Union<\/td>\n            <td>Best for Low Down Payment Loans<\/td>\n            <td>Chicago, IL<\/td>\n            <td>~0.31% below median (historical)<\/td>\n            <td>~$950<\/td>\n            <td>Alliant offers a broad range of mortgage solutions with a focus on affordability, variety, and convenience.<\/td>\n            <td><a href=\"https:\/\/www.alliantcreditunion.org\/\" target=\"_blank\" rel=\"nofollow noopener\">alliantcreditunion.org<\/a><\/td>\n            <td><a href=\"https:\/\/tomo.com\/blog\/review-alliant-credit-union\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Read full review<\/a><\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n  <\/section>\n\n  <!-- ======= See all reviews ======= -->\n  <section class=\"card\" id=\"all-reviews\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Browse<\/span>\n      <h2 class=\"title\">See all reviews of Florida Mortgage Lenders<\/h2>\n    <\/div>\n    <div class=\"section\" style=\"border-top:none;padding-top:16px\">\n      <ul style=\"margin:0;padding-left:18px;columns:2;gap:24px;\">\n        <li><a href=\"https:\/\/tomo.com\/blog\/review-almeda-mortgage-corp\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Alameda Mortgage Corp<\/a><\/li>\n        <li><a href=\"https:\/\/tomo.com\/blog\/review-alliant-credit-union\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviewshttps:\/\/tomo.com\/blog\/review-arkansas-federal-credit-union\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Alliant Credit Union<\/a><\/li>\n<li><a href=\"https:\/\/tomo.com\/blog\/review-american-bancshares-mortgage\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">American Bancshares Mortgage<\/a><\/li>\n<li><a href=\"https:\/\/tomo.com\/blog\/review-aimloan?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">AimLoan<\/a><\/li>\n        <li><a href=\"https:\/\/tomo.com\/blog\/review-bank-of-hope\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Bank of Hope<\/a><\/li>\n        <li><a href=\"https:\/\/tomo.com\/blog\/review-bay-equity\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Bay Equity<\/a><\/li>\n <li><a href=\"https:\/\/tomo.com\/blog\/review-castle-and-cooke-mortgage\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Castle and Cooke<\/a><\/li>\n        <li><a href=\"https:\/\/tomo.com\/blog\/review-crosscountry-mortgage\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">CrossCountryMortgage<\/a><\/li>\n        <li><a href=\"https:\/\/tomo.com\/blog\/review-fairway-independent\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Fairway Independent<\/a><\/li>\n        <li><a href=\"https:\/\/tomo.com\/blog\/review-kwik-mortgage\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Kwik Mortgage<\/a><\/li>\n   <li><a href=\"https:\/\/tomo.com\/blog\/reviews-panorama-mortgage\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Panorama Mortgage<\/a><\/li>\n <li><a href=\"https:\/\/tomo.com\/blog\/review-security-national-mortgage\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Security National Mortgage<\/a><\/li>\n<li><a href=\"https:\/\/tomo.com\/blog\/reviews-tomo-mortgage\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Tomo Mortgage<\/a><\/li>\n<li><a href=\"https:\/\/tomo.com\/blog\/review-total-mortgage\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Total Mortgage<\/a><\/li>\n <li><a href=\"https:\/\/tomo.com\/blog\/review-union-home-mortgage\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">Union Home Mortgage<\/a><\/li>\n      <\/ul>\n    <\/div>\n  <\/section>\n\n  <!-- ======= Structured Data (JSON-LD) ======= -->\n  <script type=\"application\/ld+json\">\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"ItemList\",\n    \"name\": \"Best Mortgage Lenders in Arkansas\",\n    \"itemListOrder\": \"http:\/\/schema.org\/ItemListOrderAscending\",\n    \"numberOfItems\": 4,\n    \"itemListElement\": [\n      {\"@type\":\"ListItem\",\"position\":1,\"item\":{\"@type\":\"Organization\",\"name\":\"Tomo Mortgage\",\"url\":\"https:\/\/tomo.com\/?utm_source=tomo_blog&utm_campaign=seo-reviews\",\"sameAs\":[\"https:\/\/tomo.com\/mortgage\/rates?utm_source=tomo_blog&utm_campaign=state-reviews\"],\"description\":\"Best for Low Rates & Overall Experience\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"New York\",\"addressRegion\":\"NY\"},\"feesAndCommissionsSpecification\":\"$0 lender fees\",\"makesOffer\":{\"@type\":\"Offer\",\"category\":\"Mortgage Loan\",\"priceSpecification\":{\"@type\":\"UnitPriceSpecification\",\"name\":\"Historic rate advantage vs median\",\"price\":\"0.30\",\"unitText\":\"percentagePointsBelowMedian\"}}}},\n      {\"@type\":\"ListItem\",\"position\":2,\"item\":{\"@type\":\"Organization\",\"name\":\"Bank Independent\",\"url\":\"https:\/\/www.bibank.com\/\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Sheffield\",\"addressRegion\":\"AL\"},\"areaServed\":\"Alabama\",\"description\":\"Best Local Lender\",\"makesOffer\":{\"@type\":\"Offer\",\"category\":\"Mortgage Loan\",\"priceSpecification\":{\"@type\":\"UnitPriceSpecification\",\"name\":\"Historic rate advantage vs median\",\"price\":\"0.18\",\"unitText\":\"percentagePointsBelowMedian\"}},\"feesAndCommissionsSpecification\":\"~$1,345 lender fees\"}},\n      {\"@type\":\"ListItem\",\"position\":3,\"item\":{\"@type\":\"Organization\",\"name\":\"Ameris Bank\",\"url\":\"https:\/\/www.amerisbank.com\/\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Atlanta\",\"addressRegion\":\"GA\"},\"areaServed\":\"Alabama\",\"description\":\"Best for First-Time Homebuyers; Dream Loan (0% down, no PMI) plus up to $12,500 DPA\",\"makesOffer\":{\"@type\":\"Offer\",\"category\":\"Mortgage Loan\",\"priceSpecification\":{\"@type\":\"UnitPriceSpecification\",\"name\":\"Historic rate advantage vs median\",\"price\":\"0.21\",\"unitText\":\"percentagePointsBelowMedian\"}},\"feesAndCommissionsSpecification\":\"~$1,425 lender fees\"}},\n      {\"@type\":\"ListItem\",\"position\":4,\"item\":{\"@type\":\"Organization\",\"name\":\"Cadence Bank\",\"url\":\"https:\/\/cadencebank.com\/\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Houston\",\"addressRegion\":\"TX\"},\"areaServed\":\"Alabama\",\"description\":\"Best for Specialized Loans; Right@Home & Physician Loan (no MI)\",\"makesOffer\":{\"@type\":\"Offer\",\"category\":\"Mortgage Loan\",\"priceSpecification\":{\"@type\":\"UnitPriceSpecification\",\"name\":\"Historic rate advantage vs 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<\/script>\n<\/section>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How we picked Data-driven picks for Florida buyers Buying a home in Florida? Whether you&#8217;re eyeing a beachfront condo or a suburban bungalow, the stakes are high. Between rising insurance costs, bidding wars, and fast-changing interest rates, the mortgage you choose matters more than ever. To help buyers make smarter choices, we crunched the numbers. [&hellip;]<\/p>\n","protected":false},"author":38,"featured_media":7308,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[286],"tags":[],"class_list":["post-7284","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lender-reviews"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/tomo.com\/blog\/wp-content\/uploads\/2025\/08\/fl.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/7284","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/comments?post=7284"}],"version-history":[{"count":10,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/7284\/revisions"}],"predecessor-version":[{"id":7471,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/7284\/revisions\/7471"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/media\/7308"}],"wp:attachment":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/media?parent=7284"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/categories?post=7284"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/tags?post=7284"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}