Safe Rate Rankings

Best Conventional Mortgage Lenders in North Port

Updated May 23, 2026

⚖️ 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

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