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Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Conventional Mortgage Lenders in North Port

Updated February 5, 2026

Market Overview

176

Total Lenders

14,437

Total Loans

0.29%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	LAKE MICHIGAN CREDIT UNION	Exceptional	Exceptional	Exceptional	Exceptional	Sound	$872	-0.078%	41
2	Suncoast Credit Union	Exceptional	Exceptional	Strong	Strong	Strong	-$461	-0.835%	132
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$949	-0.560%	126
4	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,102	+0.063%	139
5	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,707	-0.127%	126
6	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	$974	+0.132%	107
7	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Strong	$285	-0.350%	69
8	TrustCo Bank	Exceptional	Exceptional	Strong	Sound	Strong	$1,215	-0.219%	42
9	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,037	-0.166%	33
10	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,722	-0.258%	368
11	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,957	-0.045%	124
12	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,067	+0.027%	95
13	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,535	+0.090%	41
14	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,166	+0.279%	1,261
15	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,125	+0.237%	842
16	NEAL COMMUNITIES FUNDING, LLC	Strong	Sound	Strong	Strong	Exceptional	$123	+0.454%	406
17	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Exceptional	$2,680	+0.148%	281
18	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$3,059	+0.236%	181
19	SouthState Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,486	+0.297%	84
20	VANDERBILT MORTGAGE AND FINANCE, INC.	Strong	Sound	Exceptional	Strong	Strong	$4,084	-0.330%	56
21	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$3,192	+0.210%	54
22	HANCOCK WHITNEY BANK	Strong	Strong	Strong	Strong	Sound	$1,702	-0.123%	40
23	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,775	+0.170%	281
24	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,595	+0.435%	265
25	MATTAMY HOME FUNDING, LLC	Strong	Sound	Strong	Strong	Strong	$225	+0.594%	127
26	Northpointe Bank	Strong	Sound	Exceptional	Strong	Sound	$2,537	+0.514%	43
27	M/I FINANCIAL, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$4,101	-0.038%	306
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,592	+0.541%	179
29	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,341	+0.428%	165
30	Regions Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,835	+0.199%	163
31	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,329	+0.166%	136
32	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,326	+0.479%	110
33	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,427	+0.127%	100
34	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$4,479	+0.629%	98
35	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$1,707	+0.216%	89
36	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,033	+0.395%	78
37	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,035	+0.425%	76
38	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,264	+0.969%	68
39	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,810	+0.641%	68
40	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,913	+0.420%	65
41	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,716	+0.489%	200
42	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,848	+0.354%	131
43	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,677	+0.605%	129
44	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,039	+0.163%	54
45	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,369	+0.532%	50
46	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,400	+0.242%	44
47	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,198	+0.465%	39
48	ACHIEVA CREDIT UNION	Strong	Sound	Sound	Sound	Strong	$1,265	+0.016%	38
49	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,330	+0.696%	32
50	FBC MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Strong	$1,986	-0.111%	134

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

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.

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