Top Mortgage Lenders in Tallahassee, FL

Which mortgage lender in the Tallahassee, FL area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Tallahassee, FL area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Tallahassee, FL area in terms of interest rate is GMFS Mortgage, with an average “Rate Difference” of -0.15%. This means that, comparing similar borrowers, GMFS Mortgage provided a -0.15% lower interest rate for its customers than other lenders in the area. GMFS Mortgage has a market share of 7.7%. On the other hand, the most popular lender in the Tallahassee, FL area is Capital City Bank, with a larger market share of 14.3%. Capital City Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.10% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Tallahassee, FL area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Tallahassee, FL is GMFS Mortgage. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Synovus Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is GMFS Mortgage. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Tallahassee, FL

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
GMFS Mortgage-0.15%(4.0)7.72%
Capital City Bank-0.10%(4.0)14.29%
Bank of America-0.06%(4.0)1.70%
University Lending Group-0.04%(3.5)11.19%
SunTrust Bank-0.04%(3.5)1.95%
Ameris Bank-0.03%(3.5)4.01%
Truist Bank-0.03%(3.5)3.91%
Navy Federal Credit Union-0.03%(3.5)1.37%
JPMorgan Chase Bank-0.03%(3.5)1.14%
The Mortgage Connection-0.02%(3.5)1.19%
Sierra Pacific Mortgage-0.01%(3.5)1.45%
Synovus Bank-0.01%(3.5)0.81%
loanDepot-0.00%(3.5)4.29%
Fairway Independent Mortgage Corporation-0.00%(3.5)1.40%
Movement Mortgage0.00%(3.5)6.45%
Bay Capital Mortgage Corporation0.00%(3.5)0.81%
Wells Fargo Bank0.01%(3.5)2.74%
Centennial Bank0.01%(3.5)1.42%
Guaranteed Rate0.02%(3.5)1.75%
USAA0.02%(3.5)2.01%
Caliber Home Loans0.03%(3.5)0.84%
On Q Financial0.03%(3.5)2.01%
Freedom Mortgage Corporation0.03%(3.5)0.79%
Hancock Whitney Bank0.06%(3.0)1.70%
Regions Bank0.09%(3.0)1.37%
Mr. Cooper0.10%(3.0)1.32%
Quicken Loans0.11%(3.0)13.81%
DelMar Financial Company0.14%(3.0)1.24%
Amerifirst Home Mortgage0.19%(2.5)1.19%
Envision Credit Union0.25%(2.0)4.14%
Lender NameRate DifferenceRate RatingMarket Share
GMFS Mortgage-0.14%(4.0)8.28%
Capital City Bank-0.08%(4.0)17.61%
Bank of America-0.07%(4.0)1.72%
SunTrust Bank-0.05%(4.0)1.79%
JPMorgan Chase Bank-0.03%(3.5)0.67%
University Lending Group-0.03%(3.5)14.14%
Ameris Bank-0.02%(3.5)4.35%
Navy Federal Credit Union-0.02%(3.5)1.47%
Wells Fargo Bank-0.01%(3.5)2.67%
Truist Bank-0.01%(3.5)3.93%
Sierra Pacific Mortgage-0.01%(3.5)1.72%
Synovus Bank0.00%(3.5)1.09%
Fairway Independent Mortgage Corporation0.01%(3.5)1.51%
The Mortgage Connection0.01%(3.5)0.81%
Movement Mortgage0.01%(3.5)8.04%
Freedom Mortgage Corporation0.01%(3.5)0.49%
Bay Capital Mortgage Corporation0.01%(3.5)1.09%
Centennial Bank0.02%(3.5)1.58%
loanDepot0.02%(3.5)4.00%
Guaranteed Rate0.03%(3.5)2.11%
USAA0.05%(3.5)2.25%
On Q Financial0.05%(3.5)2.28%
Regions Bank0.07%(3.0)1.23%
Caliber Home Loans0.07%(3.0)0.53%
Hancock Whitney Bank0.09%(3.0)1.79%
Mr. Cooper0.10%(3.0)0.77%
Quicken Loans0.15%(2.5)5.75%
DelMar Financial Company0.17%(2.5)1.54%
Amerifirst Home Mortgage0.22%(2.5)1.44%
Envision Credit Union0.33%(2.0)3.37%
Lender NameRate DifferenceRate RatingMarket Share
GMFS Mortgage-0.18%(4.5)6.24%
Capital City Bank-0.18%(4.5)5.60%
Truist Bank-0.08%(4.0)3.85%
The Mortgage Connection-0.07%(4.0)2.20%
Ameris Bank-0.06%(4.0)3.12%
loanDepot-0.05%(4.0)5.05%
USAA-0.05%(3.5)1.38%
Bank of America-0.04%(3.5)1.65%
JPMorgan Chase Bank-0.04%(3.5)2.39%
Navy Federal Credit Union-0.04%(3.5)1.10%
University Lending Group-0.04%(3.5)3.49%
On Q Financial-0.03%(3.5)1.28%
Caliber Home Loans-0.03%(3.5)1.65%
Hancock Whitney Bank-0.03%(3.5)1.47%
DelMar Financial Company-0.02%(3.5)0.46%
SunTrust Bank-0.01%(3.5)2.39%
Guaranteed Rate-0.01%(3.5)0.83%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.10%
Movement Mortgage-0.01%(3.5)2.29%
Synovus Bank-0.00%(3.5)0.09%
Bay Capital Mortgage Corporation0.00%(3.5)0.09%
Sierra Pacific Mortgage0.01%(3.5)0.73%
Amerifirst Home Mortgage0.01%(3.5)0.55%
Centennial Bank0.01%(3.5)1.01%
Freedom Mortgage Corporation0.02%(3.5)1.56%
Wells Fargo Bank0.05%(3.5)2.94%
Quicken Loans0.06%(3.0)34.86%
Mr. Cooper0.07%(3.0)2.75%
Regions Bank0.13%(3.0)1.74%
Envision Credit Union0.13%(3.0)6.15%
Lender NameRate DifferenceRate RatingMarket Share
GMFS Mortgage-0.16%(4.5)8.73%
Capital City Bank-0.11%(4.0)16.49%
Bank of America-0.07%(4.0)2.04%
SunTrust Bank-0.04%(3.5)2.38%
loanDepot-0.04%(3.5)3.10%
Ameris Bank-0.03%(3.5)4.31%
Truist Bank-0.03%(3.5)4.97%
University Lending Group-0.03%(3.5)9.83%
JPMorgan Chase Bank-0.03%(3.5)1.52%
The Mortgage Connection-0.02%(3.5)1.52%
Synovus Bank-0.01%(3.5)0.83%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.24%
Sierra Pacific Mortgage-0.00%(3.5)1.48%
Wells Fargo Bank0.01%(3.5)3.55%
Bay Capital Mortgage Corporation0.01%(3.5)1.10%
Centennial Bank0.01%(3.5)1.41%
On Q Financial0.01%(3.5)1.72%
Guaranteed Rate0.02%(3.5)1.69%
Caliber Home Loans0.02%(3.5)0.62%
USAA0.03%(3.5)1.03%
Freedom Mortgage Corporation0.04%(3.5)0.28%
Movement Mortgage0.04%(3.5)5.48%
Navy Federal Credit Union0.06%(3.0)0.76%
Amerifirst Home Mortgage0.06%(3.0)0.83%
DelMar Financial Company0.08%(3.0)0.69%
Hancock Whitney Bank0.08%(3.0)1.55%
Mr. Cooper0.12%(3.0)0.86%
Regions Bank0.12%(3.0)1.52%
Quicken Loans0.14%(3.0)12.87%
Envision Credit Union0.25%(2.0)5.59%
Lender NameRate DifferenceRate RatingMarket Share
GMFS Mortgage-0.14%(4.0)9.16%
Capital City Bank-0.09%(4.0)20.53%
Bank of America-0.07%(4.0)2.06%
SunTrust Bank-0.06%(4.0)2.16%
JPMorgan Chase Bank-0.03%(3.5)0.88%
Ameris Bank-0.02%(3.5)4.56%
loanDepot-0.02%(3.5)2.89%
University Lending Group-0.02%(3.5)12.49%
Wells Fargo Bank-0.01%(3.5)3.63%
Truist Bank-0.01%(3.5)5.19%
Sierra Pacific Mortgage0.00%(3.5)1.76%
Fairway Independent Mortgage Corporation0.00%(3.5)1.37%
Synovus Bank0.01%(3.5)1.18%
The Mortgage Connection0.01%(3.5)1.03%
Centennial Bank0.01%(3.5)1.52%
Bay Capital Mortgage Corporation0.02%(3.5)1.52%
Guaranteed Rate0.03%(3.5)1.96%
On Q Financial0.04%(3.5)1.96%
USAA0.05%(3.5)1.18%
Freedom Mortgage Corporation0.05%(3.0)0.10%
Movement Mortgage0.06%(3.0)6.96%
Caliber Home Loans0.07%(3.0)0.39%
Amerifirst Home Mortgage0.08%(3.0)0.88%
Navy Federal Credit Union0.10%(3.0)0.73%
Regions Bank0.11%(3.0)1.22%
DelMar Financial Company0.11%(3.0)0.78%
Hancock Whitney Bank0.11%(3.0)1.81%
Mr. Cooper0.11%(3.0)0.29%
Quicken Loans0.20%(2.5)5.10%
Envision Credit Union0.34%(2.0)4.70%
Lender NameRate DifferenceRate RatingMarket Share
GMFS Mortgage-0.19%(4.5)7.69%
Capital City Bank-0.19%(4.5)6.88%
Truist Bank-0.09%(4.0)4.43%
loanDepot-0.09%(4.0)3.61%
The Mortgage Connection-0.07%(4.0)2.68%
Ameris Bank-0.07%(4.0)3.73%
Hancock Whitney Bank-0.05%(3.5)0.93%
On Q Financial-0.05%(3.5)1.17%
Bank of America-0.05%(3.5)1.98%
University Lending Group-0.05%(3.5)3.50%
JPMorgan Chase Bank-0.04%(3.5)3.03%
Caliber Home Loans-0.04%(3.5)1.17%
USAA-0.03%(3.5)0.70%
Navy Federal Credit Union-0.03%(3.5)0.82%
Fairway Independent Mortgage Corporation-0.02%(3.5)0.93%
DelMar Financial Company-0.02%(3.5)0.47%
SunTrust Bank-0.02%(3.5)2.91%
Guaranteed Rate-0.01%(3.5)1.05%
Movement Mortgage-0.00%(3.5)1.98%
Bay Capital Mortgage Corporation-0.00%(3.5)0.12%
Amerifirst Home Mortgage0.01%(3.5)0.70%
Sierra Pacific Mortgage0.01%(3.5)0.82%
Freedom Mortgage Corporation0.01%(3.5)0.70%
Centennial Bank0.01%(3.5)1.17%
Wells Fargo Bank0.05%(3.5)3.38%
Mr. Cooper0.09%(3.0)2.21%
Quicken Loans0.09%(3.0)31.35%
Regions Bank0.12%(3.0)2.21%
Envision Credit Union0.13%(3.0)7.69%
Lender NameRate DifferenceRate RatingMarket Share
GMFS Mortgage-0.15%(4.5)4.41%
Movement Mortgage-0.09%(4.0)12.18%
University Lending Group-0.07%(4.0)17.35%
Regions Bank-0.05%(4.0)1.22%
Sierra Pacific Mortgage-0.05%(3.5)1.37%
Ameris Bank-0.04%(3.5)3.50%
Capital City Bank-0.04%(3.5)8.22%
Bank of America-0.02%(3.5)0.61%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.37%
Freedom Mortgage Corporation-0.01%(3.5)1.22%
Truist Bank0.01%(3.5)0.76%
Quicken Loans0.02%(3.5)19.63%
Guaranteed Rate0.02%(3.5)2.28%
Navy Federal Credit Union0.02%(3.5)0.15%
Centennial Bank0.02%(3.5)1.83%
The Mortgage Connection0.02%(3.5)0.15%
Hancock Whitney Bank0.03%(3.5)1.22%
SunTrust Bank0.04%(3.5)0.15%
On Q Financial0.05%(3.0)3.50%
Caliber Home Loans0.06%(3.0)1.22%
Wells Fargo Bank0.06%(3.0)0.15%
Mr. Cooper0.08%(3.0)3.35%
loanDepot0.09%(3.0)7.15%
DelMar Financial Company0.20%(2.5)4.11%
Amerifirst Home Mortgage0.37%(1.5)2.89%
Lender NameRate DifferenceRate RatingMarket Share
GMFS Mortgage-0.15%(4.5)5.41%
Movement Mortgage-0.09%(4.0)14.74%
University Lending Group-0.07%(4.0)20.71%
Regions Bank-0.05%(3.5)1.49%
Sierra Pacific Mortgage-0.04%(3.5)1.68%
Ameris Bank-0.04%(3.5)4.10%
Capital City Bank-0.03%(3.5)9.89%
Bank of America-0.01%(3.5)0.75%
Freedom Mortgage Corporation-0.01%(3.5)1.31%
Fairway Independent Mortgage Corporation-0.00%(3.5)1.68%
Truist Bank0.01%(3.5)0.56%
Guaranteed Rate0.02%(3.5)2.80%
Navy Federal Credit Union0.02%(3.5)0.19%
Centennial Bank0.02%(3.5)2.05%
Hancock Whitney Bank0.04%(3.5)1.31%
SunTrust Bank0.05%(3.5)0.19%
On Q Financial0.06%(3.0)3.73%
Quicken Loans0.06%(3.0)8.58%
Caliber Home Loans0.09%(3.0)0.93%
loanDepot0.09%(3.0)7.09%
Mr. Cooper0.09%(3.0)2.43%
DelMar Financial Company0.21%(2.5)4.85%
Amerifirst Home Mortgage0.38%(1.5)3.54%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.02%(3.5)68.60%
Ameris Bank-0.00%(3.5)0.83%
Truist Bank0.00%(3.5)1.65%
Hancock Whitney Bank0.00%(3.5)0.83%
Freedom Mortgage Corporation0.00%(3.5)0.83%
Centennial Bank0.00%(3.5)0.83%
University Lending Group0.01%(3.5)2.48%
The Mortgage Connection0.01%(3.5)0.83%
Caliber Home Loans0.01%(3.5)2.48%
DelMar Financial Company0.01%(3.5)0.83%
Movement Mortgage0.01%(3.5)0.83%
On Q Financial0.01%(3.5)2.48%
Capital City Bank0.02%(3.5)0.83%
Wells Fargo Bank0.05%(3.5)0.83%
Mr. Cooper0.06%(3.0)7.44%
loanDepot0.12%(3.0)7.44%
Lender NameRate DifferenceRate RatingMarket Share
Synovus Bank-0.02%(3.5)17.78%
Hancock Whitney Bank-0.01%(3.5)24.44%
SunTrust Bank0.00%(3.5)11.11%
Bank of America0.00%(3.5)6.67%
Capital City Bank0.00%(3.5)13.33%
Truist Bank0.00%(3.5)8.89%
Wells Fargo Bank0.01%(3.5)2.22%
Movement Mortgage0.01%(3.5)2.22%
Envision Credit Union0.01%(3.5)2.22%
GMFS Mortgage0.02%(3.5)2.22%
JPMorgan Chase Bank0.03%(3.5)2.22%
Quicken Loans0.04%(3.5)6.67%
Lender NameRate DifferenceRate RatingMarket Share
Synovus Bank-0.02%(3.5)25.00%
Hancock Whitney Bank-0.00%(3.5)17.86%
SunTrust Bank0.00%(3.5)14.29%
Capital City Bank0.00%(3.5)17.86%
Bank of America0.01%(3.5)7.14%
Truist Bank0.01%(3.5)7.14%
Movement Mortgage0.01%(3.5)3.57%
GMFS Mortgage0.02%(3.5)3.57%
JPMorgan Chase Bank0.03%(3.5)3.57%
Lender NameRate DifferenceRate RatingMarket Share
Hancock Whitney Bank-0.01%(3.5)35.29%
Truist Bank-0.01%(3.5)11.76%
Bank of America-0.01%(3.5)5.88%
SunTrust Bank-0.00%(3.5)5.88%
Synovus Bank-0.00%(3.5)5.88%
Capital City Bank0.00%(3.5)5.88%
Wells Fargo Bank0.00%(3.5)5.88%
Envision Credit Union0.01%(3.5)5.88%
Quicken Loans0.03%(3.5)17.65%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.10%(4.0)9.14%
GMFS Mortgage-0.07%(4.0)6.19%
loanDepot-0.04%(3.5)9.44%
University Lending Group-0.02%(3.5)12.39%
Capital City Bank-0.01%(3.5)7.37%
Caliber Home Loans-0.01%(3.5)2.06%
Hancock Whitney Bank0.00%(3.5)0.88%
The Mortgage Connection0.01%(3.5)0.59%
Centennial Bank0.02%(3.5)0.88%
USAA0.02%(3.5)14.45%
Regions Bank0.02%(3.5)0.59%
Sierra Pacific Mortgage0.02%(3.5)1.47%
Fairway Independent Mortgage Corporation0.02%(3.5)2.95%
Ameris Bank0.02%(3.5)2.95%
SunTrust Bank0.02%(3.5)0.59%
Truist Bank0.03%(3.5)0.29%
Movement Mortgage0.03%(3.5)4.13%
Guaranteed Rate0.03%(3.5)1.47%
DelMar Financial Company0.03%(3.5)0.59%
Freedom Mortgage Corporation0.04%(3.5)4.42%
Bank of America0.04%(3.5)0.29%
Wells Fargo Bank0.04%(3.5)0.88%
Mr. Cooper0.06%(3.0)1.47%
On Q Financial0.06%(3.0)1.77%
Quicken Loans0.08%(3.0)11.50%
Amerifirst Home Mortgage0.09%(3.0)1.18%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.11%(4.0)10.61%
GMFS Mortgage-0.07%(4.0)7.76%
University Lending Group-0.02%(3.5)15.10%
loanDepot-0.02%(3.5)6.94%
Capital City Bank-0.01%(3.5)10.20%
Caliber Home Loans0.00%(3.5)0.82%
Hancock Whitney Bank0.00%(3.5)0.82%
Freedom Mortgage Corporation0.01%(3.5)2.04%
The Mortgage Connection0.01%(3.5)0.82%
Centennial Bank0.02%(3.5)1.22%
Fairway Independent Mortgage Corporation0.02%(3.5)2.45%
Regions Bank0.02%(3.5)0.82%
Ameris Bank0.03%(3.5)3.67%
SunTrust Bank0.03%(3.5)0.82%
Sierra Pacific Mortgage0.03%(3.5)1.63%
Truist Bank0.03%(3.5)0.41%
USAA0.03%(3.5)16.33%
Guaranteed Rate0.04%(3.5)2.04%
DelMar Financial Company0.04%(3.5)0.82%
Wells Fargo Bank0.04%(3.5)0.82%
Bank of America0.04%(3.5)0.41%
Mr. Cooper0.07%(3.0)1.22%
Quicken Loans0.07%(3.0)5.71%
Movement Mortgage0.08%(3.0)2.86%
On Q Financial0.08%(3.0)2.04%
Amerifirst Home Mortgage0.10%(3.0)1.63%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.07%(4.0)15.96%
USAA-0.05%(4.0)9.57%
Navy Federal Credit Union-0.05%(4.0)5.32%
Caliber Home Loans-0.03%(3.5)5.32%
Movement Mortgage-0.03%(3.5)7.45%
GMFS Mortgage-0.01%(3.5)2.13%
Sierra Pacific Mortgage-0.01%(3.5)1.06%
University Lending Group-0.01%(3.5)5.32%
On Q Financial-0.01%(3.5)1.06%
Hancock Whitney Bank-0.01%(3.5)1.06%
Fairway Independent Mortgage Corporation0.01%(3.5)4.26%
Ameris Bank0.01%(3.5)1.06%
Wells Fargo Bank0.03%(3.5)1.06%
Freedom Mortgage Corporation0.04%(3.5)10.64%
Mr. Cooper0.04%(3.5)2.13%
Quicken Loans0.07%(3.0)26.60%

* Data is compiled for the Tallahassee, FL commuting zone area, which comprises of counties of Calhoun County, FL, Gadsden County, FL, Jefferson County, FL, Leon County, FL, Liberty County, FL, and Wakulla County, FL. This includes cities/towns/communities of Tallahassee, FL as well as Crawfordville, FL, Havana, FL, St. Marks, FL, Monticello, FL, Midway, FL, Quincy, FL, Panacea, FL, Wacissa, FL, Woodville, FL, Greensboro, FL, Blountstown, FL, Bristol, FL, Gretna, FL, Altha, FL, Chattahoochee, FL, and Hosford, FL. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

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