Safe Rate Rankings

Best Mortgage Companie Lenders in North Port

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders176

Total Loans14,437

Median Rate Spread0.29%

North Port Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked mortgage company in North Port, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In North Port, Mattamy Home Funding and Fbc Mortgage scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in North Port, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in North Port: Rocket Mortgage (#3) and United Wholesale Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in North Port

By Loan Product

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$3,166Fees	0.279%Above	1,261
2	NEAL COMMUNITIES FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	$123Fees	0.454%Above	406
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,125Fees	0.237%Above	842
4	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	$1,986Fees	0.111%Below	134
5	MATTAMY HOME FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	$225Fees	0.594%Above	127
6	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$1,722Fees	0.258%Below	368
7	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$2,680Fees	0.148%Above	281
8	M/I FINANCIAL, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$4,101Fees	0.038%Below	306
9	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,775Fees	0.170%Above	281
10	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,329Fees	0.166%Above	136
11	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	$4,084Fees	0.330%Below	56
12	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Sound	$1,037Fees	0.166%Below	33
13	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,341Fees	0.428%Above	165
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,592Fees	0.541%Above	179
15	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	$3,033Fees	0.395%Above	78
16	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Exceptional	$3,595Fees	0.435%Above	265
17	THE MORTGAGE FIRM, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$2,982Fees	0.608%Above	141
18	FAIRWAY FUNDING GROUP, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Exceptional	$3,466Fees	0.227%Above	113
19	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Strong	Strong	$2,427Fees	0.127%Above	100
20	NFM, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$4,654Fees	0.387%Above	90
21	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$4,264Fees	0.969%Above	68
22	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$1,225Fees	0.748%Above	122
23	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	$3,326Fees	0.479%Above	110
24	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	$3,913Fees	0.420%Above	65
25	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Sound	Strong	$3,192Fees	0.210%Above	54
26	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Sound	Strong	$2,716Fees	0.489%Above	200
27	COASTAL LOANS, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$5,894Fees	0.100%Above	57
28	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$4,479Fees	0.629%Above	98
29	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$2,400Fees	0.242%Above	44
30	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$2,848Fees	0.354%Above	131
31	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$2,810Fees	0.641%Above	68
32	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$3,369Fees	0.532%Above	50
33	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	$4,274Fees	0.810%Above	82
34	VAN DYK MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$3,397Fees	0.391%Above	56
35	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$3,039Fees	0.163%Above	54
36	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Strong	$3,677Fees	0.605%Above	129
37	JMAC LENDING, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Sound	Strong	$2,451Fees	0.498%Above	72
38	ZILLOW HOME LOANS, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$2,886Fees	0.496%Above	50
39	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	$3,976Fees	0.488%Above	41
40	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$3,198Fees	0.465%Above	39
41	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$2,330Fees	0.696%Above	32
42	RMC HOME MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$3,856Fees	0.499%Above	42
43	Equity Prime Mortgage LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$3,380Fees	0.732%Above	41
44	A&D Mortgage LLC Independent Mortgage CompanyWholesale	Sound	Mediocre*	Sound	Sound	$4,642Fees	0.488%Above	34
45	PANORAMA MORTGAGE GROUP, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Sound	Strong	$4,194Fees	0.750%Above	40
46	CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Sound	$6,144Fees	0.338%Above	37

❓ Frequently Asked Questions

How are mortgage lenders ranked in North Port?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in North Port), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in North Port?+

Based on 2024 HMDA data, 176 lenders originated a combined 14,437 loans in North Port. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in North Port?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in North Port is 0.29%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In North Port's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.