Safe Rate Rankings

Best FHA Mortgage Lenders in Port St. Lucie

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 Lenders122

Total Loans8,525

Median Rate Spread0.37%

Port St. Lucie Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked FHA lender in Port St. Lucie, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Port St. Lucie, Mattamy Home Funding and Pennymac Loan Services scores highest on FHA pricing while Coastal Loans and Fbc Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Port St. Lucie, 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 Port St. Lucie: Rocket Mortgage (#4) and United Wholesale Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Port St. Lucie

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Exceptional	Exceptional	$3,285Fees	0.349%Above	1,310
2	MATTAMY HOME FUNDING, LLC Independent Mortgage CompanyDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,382Fees	0.280%Above	167
3	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Exceptional	Strong	$1,858Fees	0.173%Below	79
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,604Fees	0.348%Above	670
5	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$913Fees	0.148%Below	419
6	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,230Fees	0.195%Above	170
7	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,072Fees	0.304%Above	159
8	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$2,437Fees	0.069%Above	90
9	COASTAL LOANS, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$7,045Fees	0.005%Above	220
10	RMC HOME MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$5,297Fees	0.480%Above	128
11	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,102Fees	0.404%Above	58
12	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,603Fees	0.381%Above	58
13	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,311Fees	0.577%Above	451
14	SouthState Bank, National Association BankDirect	Strong	Strong	Strong	Strong	Strong	$2,062Fees	0.222%Above	68
15	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,993Fees	0.727%Above	128
16	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,933Fees	0.331%Above	99
17	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Sound	$2,177Fees	0.538%Above	43
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,138Fees	0.544%Above	85
19	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,490Fees	0.235%Above	80
20	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,317Fees	0.434%Above	61
21	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,963Fees	0.419%Above	37
22	THE MORTGAGE FIRM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,524Fees	0.587%Above	96
23	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$4,208Fees	0.410%Above	42
24	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,312Fees	0.484%Above	36
25	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Sound	Strong	$2,757Fees	0.218%Above	152
26	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$4,823Fees	0.511%Above	49
27	Plains Commerce Bank BankWholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,104Fees	0.487%Above	33
28	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,673Fees	0.204%Above	28
29	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,697Fees	0.587%Above	109
30	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,808Fees	0.326%Above	43
31	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$4,969Fees	0.424%Above	34
32	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,619Fees	0.296%Above	25
33	ACOPIA, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Strong	Strong	$4,051Fees	0.420%Above	118
34	JMAC LENDING, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Strong	Sound	Sound	$2,249Fees	0.579%Above	37
35	OCMBC, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$4,176Fees	1.179%Above	20
36	CAPITAL PARTNERS MORTGAGE SERVICES LLC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$3,571Fees	0.254%Above	45
37	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Sound	$3,509Fees	0.762%Above	21
38	Equity Prime Mortgage LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$4,888Fees	0.508%Above	50
39	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$3,637Fees	0.404%Above	45
40	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Exceptional	Sound	$5,979Fees	0.730%Above	31
41	AMERICAN BANCSHARES MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Exceptional	Strong	$5,068Fees	0.668%Above	28
42	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,209Fees	1.002%Above	26
43	SUN WEST MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,533Fees	0.072%Above	19
44	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,605Fees	0.409%Above	32
45	GENEVA FINANCIAL, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Exceptional	Sound	$3,756Fees	0.844%Above	31
46	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,936Fees	0.763%Above	22
47	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,261Fees	0.500%Above	21
48	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$6,823Fees	0.766%Above	46
49	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Sound	$4,426Fees	0.659%Above	44
50	ABSOLUTE HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$5,372Fees	0.748%Above	33

❓ Frequently Asked Questions

How are mortgage lenders ranked in Port St. Lucie, FL?+

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 Port St. Lucie, FL), 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 Port St. Lucie, FL?+

Based on 2024 HMDA data, 122 lenders originated a combined 8,525 loans in Port St. Lucie, FL. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Port St. Lucie, FL?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Port St. Lucie, FL is 0.37%. 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 Port St. Lucie, FL'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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.