How to compare mortgage lenders in Florida — rates, fees, reviews, and what to ask before you commit.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Get quotes from at least 3 lenders (rate shop within 14-day window)
- Compare Loan Estimates side by side (standardized federal form)
- Key comparison points: interest rate, APR, lender fees, points
- Ask about: rate lock policy, processing timeline, communication style
- Types of lenders: retail banks, credit unions, mortgage brokers, online lenders
- Mortgage broker advantage: shops multiple lenders for you
- Check reviews: Google, Zillow, LendingTree, BBB
- Verify license: NMLSConsumerAccess.org
- Ask for references from recent Florida closings