Safe Rate Rankings

Best All Lender 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%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Suncoast Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	$461Credit	0.835%Below	132
2	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$285Fees	0.350%Below	69
3	LAKE MICHIGAN CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	$872Fees	0.078%Below	41
4	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$1,986Fees	0.111%Below	134
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$949Fees	0.560%Below	126
6	TrustCo BankBank	Exceptional	Exceptional	Sound	Strong	$1,215Fees	0.219%Below	42
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,166Fees	0.279%Above	1,261
8	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,102Fees	0.063%Above	139
9	MATTAMY HOME FUNDING, LLCIndependent Mortgage Company	Strong	Strong	Strong	Strong	$225Fees	0.594%Above	127
10	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,707Fees	0.127%Below	126
11	Truist BankBank	Strong	Strong	Strong	Strong	$974Fees	0.132%Above	107
12	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,067Fees	0.027%Above	95
13	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$1,037Fees	0.166%Below	33
14	NEAL COMMUNITIES FUNDING, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$123Fees	0.454%Above	406
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,722Fees	0.258%Below	368
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,680Fees	0.148%Above	281
17	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,957Fees	0.045%Below	124
18	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$4,084Fees	0.330%Below	56
19	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,535Fees	0.090%Above	41
20	HANCOCK WHITNEY BANKBank	Strong	Strong	Strong	Sound	$1,702Fees	0.123%Below	40
21	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,125Fees	0.237%Above	842
22	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,775Fees	0.170%Above	281
23	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$3,059Fees	0.236%Above	181
24	Regions BankBank	Strong	Sound	Strong	Strong	$1,835Fees	0.199%Above	163
25	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,329Fees	0.166%Above	136
26	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,427Fees	0.127%Above	100
27	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,486Fees	0.297%Above	84
28	M/I FINANCIAL, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,101Fees	0.038%Below	306
29	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,595Fees	0.435%Above	265
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,592Fees	0.541%Above	179
31	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,341Fees	0.428%Above	165
32	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,982Fees	0.608%Above	141
33	FAIRWAY FUNDING GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,466Fees	0.227%Above	113
34	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,326Fees	0.479%Above	110
35	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,654Fees	0.387%Above	90
36	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,264Fees	0.969%Above	68
37	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,913Fees	0.420%Above	65
38	COASTAL LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$5,894Fees	0.100%Above	57
39	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	$3,192Fees	0.210%Above	54
40	Northpointe BankBank	Strong	Sound	Strong	Sound	$2,537Fees	0.514%Above	43
41	ACHIEVA CREDIT UNIONCredit Union	Strong	Sound	Sound	Strong	$1,265Fees	0.016%Above	38
42	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,848Fees	0.354%Above	131
43	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,225Fees	0.748%Above	122
44	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,479Fees	0.629%Above	98
45	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$1,707Fees	0.216%Above	89
46	Bank of EnglandBank	Strong	Acceptable	Strong	Strong	$4,535Fees	0.700%Above	81
47	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,033Fees	0.395%Above	78
48	Plains Commerce BankBank	Strong	Acceptable	Strong	Strong	$3,035Fees	0.425%Above	76
49	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,810Fees	0.641%Above	68
50	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,397Fees	0.391%Above	56

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 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.