Top 10 Mortgage Lenders in Orlando
Buying a home in Orlando can be exciting right up until the mortgage paperwork starts piling up. Interest rates, down payments, closing costs, loan programs, credit requirements, and lender fees can all make the decision feel more complicated than it needs to be.
That is why comparing the top 10 mortgage lenders in Orlando before choosing a loan can make a real difference. Orlando has a mix of national mortgage companies, banks, independent lenders, and local mortgage brokers, giving homebuyers plenty of options. Current 2026 listings include companies such as Fairway Home Mortgage, ALCOVA Mortgage, Element Mortgage, Guild Mortgage, Lower, Movement Mortgage, New American Funding, and Acrisure Mortgage among the highly rated lenders serving the Orlando market.
The list below is a comparison starting point rather than an official ranking. Rates, fees, loan products, and lender availability can change.
1. Fairway Home Mortgage
The 1 Mortgage Specialist is one local option, while Fairway Home Mortgage is listed by WalletHub as its 2026 Best Mortgage Lender in Orlando. Fairway Independent Mortgage Corporation is known for offering multiple mortgage products and emphasizing customer service.
For buyers who want help understanding different financing options rather than simply applying online, Fairway can be worth comparing with other lenders.
2. ALCOVA Mortgage
ALCOVA Mortgage is another lender appearing among WalletHub’s top Orlando mortgage lenders for 2026. The company offers residential mortgage financing and works with borrowers through the home-buying process.
A lender like ALCOVA may be worth considering if you want a mortgage company that focuses specifically on home financing rather than using a traditional bank for all your financial needs.
3. Element Mortgage
Element Home Loans, a Division of NFM, Inc. is a mortgage lender serving Orlando borrowers. WalletHub lists Element Mortgage among its 2026 highly rated Orlando mortgage lenders.
When comparing Element with another lender, look beyond the advertised rate. The actual loan estimate, lender charges, credits, and cash required at closing can tell you much more about the offer.
4. Guild Mortgage
Guild Mortgage is a national independent mortgage lender with a long history in residential lending. WalletHub currently lists Guild among its highly rated mortgage lenders serving the Orlando area.
Guild may be worth a look for buyers who want access to different mortgage programs while still working with a lender focused primarily on home financing.
5. Lower
Lower is another mortgage lender listed among WalletHub’s 2026 Orlando recommendations. It takes a more technology-focused approach to the mortgage process, which can appeal to borrowers who prefer handling much of their application online.
If convenience matters to you, compare the online experience with the actual pricing and fees before making a decision.
6. Movement Mortgage
Movement Mortgage is another lender serving the Orlando market and appears on current 2026 lender listings. WalletHub lists Movement among its highly rated lenders near Orlando.
It can be useful to include a lender such as Movement when getting multiple quotes, especially if you want to compare a national mortgage company against smaller local brokers.
7. New American Funding
New American Funding – Orlando, FL has a local Orlando office and is listed among the highly rated mortgage lenders in the area. WalletHub describes New American Funding as a large privately owned direct mortgage lender.
For buyers who want to compare a direct lender with local mortgage brokers, New American Funding can be one of the quotes worth requesting.
8. Acrisure Mortgage
Acrisure Mortgage is headquartered in Orlando and operates as a national mortgage lender. WalletHub identifies the company as formerly FBC Mortgage and notes that it provides residential mortgage lending through retail and wholesale/correspondent channels.
Having a lender with a strong Orlando connection can be appealing to borrowers who prefer a company with roots in the local market.
9. CrossCountry Mortgage
CrossCountry Mortgage, LLC – Orlando is another mortgage lender with an Orlando location.
CrossCountry offers home financing through mortgage professionals and can be useful to compare against both banks and online lenders.
One thing worth asking is how its rate and closing costs compare with the other quotes you receive. A slightly lower advertised rate isn’t always the cheapest loan once all fees are included.
10. Union Home Mortgage
Union Home Mortgage – Orlando is another Orlando mortgage lender with a local office. Its current business listing shows a strong local review profile, making it another company borrowers may want to consider when gathering mortgage quotes.
Local reviews can be helpful, but they shouldn’t replace comparing actual loan terms. Your credit profile, income, down payment, property type, and loan amount can all affect the offer you receive.
What Makes a Mortgage Lender Good for Orlando Buyers?
The “best” lender isn’t necessarily the company with the most reviews or the lowest advertised interest rate.
A good lender should offer a loan that fits your financial situation.
When comparing Orlando mortgage lenders, pay attention to:
- Interest rate
- APR
- Loan origination fees
- Closing costs
- Lender credits
- Down-payment requirements
- Loan programs
- Estimated monthly payment
- Cash needed at closing
- Expected time to close
- Customer service
The Consumer Financial Protection Bureau recommends comparing Loan Estimates from different lenders so borrowers can look at mortgage offers on a more standardized basis.
What Mortgage Programs Are Available?
The right lender can depend heavily on the type of mortgage you need.
Conventional Loans
Conventional mortgages are a common choice for buyers with qualifying credit and income. They can be useful for both first-time and repeat homebuyers.
FHA Loans
FHA loans can be attractive to some borrowers who have a smaller down payment or less-than-perfect credit.
VA Loans
Eligible veterans, active-duty service members, and certain surviving spouses may qualify for VA financing.
NerdWallet named Navy Federal Credit Union its 2026 best lender for VA loans.
Jumbo Loans
Orlando also has higher-priced properties where a jumbo mortgage may be necessary.
NerdWallet selected Bank of America as its 2026 best lender for jumbo mortgages.
That doesn’t mean Bank of America will automatically provide the best offer for every Orlando buyer, but it can be another lender worth comparing if you need jumbo financing.
What About First-Time Home Buyers?
If this is your first home purchase, don’t assume you need a traditional 20% down payment.
Depending on your financial situation, you may be able to consider FHA, VA, conventional low-down-payment programs, or available assistance programs.
NerdWallet selected Rocket Mortgage as its 2026 best lender for first-time homebuyers.
But an award or ranking doesn’t guarantee that a lender will offer you the lowest rate.
Your own financial profile matters more than a generic ranking.
Should You Use a Local Mortgage Broker?
A mortgage broker can be useful when you want someone to help compare different loan options.
For example, Orlando has many independent mortgage brokers in addition to large national lenders. Current local listings include numerous highly rated mortgage professionals and companies.
The advantage can be having someone compare multiple lenders instead of making you contact each one individually.
Still, ask about broker compensation and compare the final Loan Estimate with offers you receive directly from lenders.
Don’t Choose a Lender Based Only on the Interest Rate
This is one of the easiest mistakes to make.
Imagine one lender offers:
Lender A
- 6.25% interest rate
- $8,000 estimated closing costs
Another offers:
Lender B
- 6.40% interest rate
- $4,500 estimated closing costs
Lender A has the lower rate, but that doesn’t automatically mean it is cheaper for you.
The difference in monthly payment, upfront costs, loan term, and the amount of time you expect to stay in the home all matter.
That’s why comparing the complete loan offer is more useful than looking at one number.
Get at Least Three Mortgage Quotes
You don’t need to spend weeks contacting dozens of companies.
A practical approach is to compare three or four lenders, such as:
One national bank
One large mortgage company
One local mortgage broker
One online lender
Ask each for comparable loan terms.
The CFPB’s Loan Estimate is particularly useful because it gives you standardized information about rates and estimated loan costs.
Questions to Ask an Orlando Mortgage Lender
Before choosing a lender, ask:
- What interest rate can you offer?
- What is the APR?
- What are the total estimated closing costs?
- Are there lender credits?
- Are discount points included?
- How much money will I need at closing?
- What will my estimated monthly payment be?
- What loan programs do I qualify for?
- How long does your typical closing process take?
- Are there any additional lender fees I should know about?
Don’t hesitate to ask the lender to explain anything that isn’t clear.
Frequently Asked Questions
1. Who are the top mortgage lenders in Orlando?
Some lenders and mortgage companies worth comparing include Fairway Home Mortgage, ALCOVA Mortgage, Element Mortgage, Guild Mortgage, Lower, Movement Mortgage, New American Funding, Acrisure Mortgage, CrossCountry Mortgage, and Union Home Mortgage. Current rankings vary depending on the methodology used.
2. What is the best mortgage lender in Orlando?
There isn’t one lender that is best for every borrower. WalletHub currently lists Fairway Home Mortgage as its 2026 top Orlando mortgage lender, while Safe Rate’s June 2026 market analysis ranks United Wholesale Mortgage highest overall in Orlando.
3. Should I compare local lenders and national banks?
Yes. Comparing both can give you a better idea of what rates, fees, and loan programs are available for your particular situation.
4. How many mortgage lenders should I contact?
Three or more comparable quotes can be a good starting point. Make sure you are comparing similar loan amounts, terms, and down payments.
5. What credit score do I need for a mortgage in Orlando?
There is no single credit-score requirement for every mortgage. Requirements depend on the lender and loan program. FHA, VA, conventional, and jumbo loans can have different qualification standards.
Final Thoughts
Choosing among the top 10 mortgage lenders in Orlando is really about finding the loan that fits your situation—not simply picking the company with the biggest name.
Fairway, ALCOVA, Element, Guild, Lower, Movement Mortgage, New American Funding, Acrisure Mortgage, CrossCountry, and Union Home Mortgage are all options worth researching, while other Orlando lenders and brokers may also provide competitive offers. Current 2026 listings show that the Orlando market has a large selection of mortgage providers.
Take your time, request multiple Loan Estimates, compare rates and closing costs, and ask questions before signing.
A mortgage is a long-term financial commitment. Spending a little extra time comparing lenders now could make a meaningful difference to the cost of your home over the years.
