Best Mortgage Lenders in Florida (2026)

Finding the best mortgage lender in Florida can save you thousands - but choosing wrong can cost you just as much. Whether you’re a first-time buyer in Miami or refinancing in Tampa, the right lender means lower rates, faster approvals, and fewer headaches.

In this guide, you’ll discover Florida’s top mortgage lenders for 2025, how they compare on rates, approval times, and service, along with an insider strategy to keep a significant portion of your buyer’s agent commission with reAlpha.

Finding the right mortgage lender in Florida can feel challenging, given the many options available. Whether you're buying your first home or refinancing, selecting a lender that meets your needs is essential. Here are some key factors to consider:

Know how recasting your mortgage can add money to your wallet.

• Loan Options: Look for lenders offering a variety of loan types, including FHA, VA, USDA, and conventional loans. Flexibility is key to finding a mortgage that fits your unique financial situation.

Learn how mortgage points can help you lower your monthly mortgage payments.

• Customer Service and Reviews: A lender’s reputation for customer service can make or break your experience. Read reviews and testimonials to gauge how they treat their clients.

• Digital Tools and Resources: In today’s digital age, having access to online tools for mortgage applications, credit monitoring, and financial tracking can streamline the process.

Learn more about the mortgage pre-approval process and how it helps you buy the house you want with ease.

• Community Involvement and Support: Lenders who are actively involved in their communities often provide more personalized service and understand local market trends.

Get Pre-Qualified and Save Up to 1.5% at Closing with reAlpha

Save up to 1.5% at closing when you combine real estate and mortgage services with reAlpha.

Check If You Qualify

At reAlpha Mortgage, we offer a wide range of loan options to meet the diverse needs of Florida homebuyers. Whether you're a first-time buyer, a veteran, or looking for a jumbo loan, we have the flexibility to tailor our services to your specific requirements.

Our "Debt Locker" app is a game-changer for managing your mortgage process. From credit monitoring to financial tracking and faster approval times, our digital tools are designed to make your journey as smooth as possible.

Our team, led by industry experts like Isabel Williams, brings a wealth of experience and a military-veteran-led approach to guiding clients through the mortgage process. We understand the nuances of the Florida market and are here to help you every step of the way.

Our commitment to exceptional customer service is reflected in the glowing reviews we receive. One satisfied client, Sarah from Miami, shared, "reAlpha Mortgage made the entire process seamless and stress-free. They truly care about their clients and go above and beyond to ensure satisfaction."

Chase is a well-known national lender with a strong presence in Florida. They offer competitive interest rates and a variety of loan options, including FHA, VA, and jumbo loans. However, their customer service can feel impersonal, and their digital tools, while robust, may not provide the same level of personalized support as reAlpha Mortgage

Bethpage Federal Credit Union is a regional lender that offers competitive mortgage rates and a member-focused approach. They provide a range of loan options and have a strong reputation for customer service. However, their availability is limited to credit union members, and they may not have the same level of state-specific expertise as reAlpha Mortgage.

Tomo Mortgage is a newer player in the mortgage industry, known for its tech-driven approach and competitive rates. They offer a streamlined online process for those looking to apply for a mortgage loan, along with innovative tools to simplify the home financing journey. However, their lack of physical branches and limited local presence in Florida can be challenging for homebuyers who prefer in-person support.

Unlike larger lenders who often treat clients as just another number, reAlpha Mortgage takes the time to build genuine relationships. We understand that every homebuyer’s financial situation is unique, and we tailor our services to meet your specific needs.

Our dedication to supporting local communities sets us apart. While other lenders may focus solely on transactions, we are committed to making a positive impact in the neighborhoods we serve. This community-first approach resonates deeply with Florida residents.

Buying a Home? Get up to 1.5% Cash Back at Closing

Get pre-approval first, then start exploring homes knowing you can receive up to 1.5% of the home price back at closing.

Find your dream home

Securing the right mortgage in Florida isn’t just about getting approved - it’s about locking in the best rate, closing fast, and keeping more money in your pocket.

With reAlpha Mortgage, you get:

• Local expertise to navigate Florida’s market with confidence
• Lightning-fast approvals powered by our “Debt Locker” app
• Competitive rates tailored to your financial goals

And here’s where reAlpha changes the game:

Bundle your mortgage with reAlpha and earn a meaningful portion of your buyer’s agent commission back-money you can use for upgrades, furniture, or to help lower your monthly payment.

Example:

On a $400,000 home, that’s as much as $9,000 back in your pocket, just for choosing the right lender and partner.

• Smart buyers don’t just shop for homes - they shop for the right mortgage.
• Get Pre-Approved Today with reAlpha Mortgage + reAlpha and make your Florida homeownership journey faster, cheaper, and smarter.