Safe Rate Rankings

Best FHA 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,986Fees	0.111%Below	134
2	MATTAMY HOME FUNDING, LLCIndependent Mortgage Company	Exceptional	Exceptional	Strong	Strong	Strong	$225Fees	0.594%Above	127
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,166Fees	0.279%Above	1,261
4	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Sound	Exceptional	$2,680Fees	0.148%Above	281
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,329Fees	0.166%Above	136
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,722Fees	0.258%Below	368
7	M/I FINANCIAL, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,101Fees	0.038%Below	306
8	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,067Fees	0.027%Above	95
9	SouthState Bank, National AssociationBank	Exceptional	Strong	Strong	Strong	Strong	$1,486Fees	0.297%Above	84
10	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,084Fees	0.330%Below	56
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,125Fees	0.237%Above	842
12	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$1,707Fees	0.216%Above	89
13	Bank of EnglandBank	Strong	Sound	Exceptional	Strong	Strong	$4,535Fees	0.700%Above	81
14	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,033Fees	0.395%Above	78
15	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,035Fees	0.425%Above	76
16	HANCOCK WHITNEY BANKBank	Strong	Strong	Strong	Strong	Sound	$1,702Fees	0.123%Below	40
17	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,775Fees	0.170%Above	281
18	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,716Fees	0.489%Above	200
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,592Fees	0.541%Above	179
20	Regions BankBank	Strong	Sound	Exceptional	Sound	Strong	$1,835Fees	0.199%Above	163
21	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,982Fees	0.608%Above	141
22	FAIRWAY FUNDING GROUP, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	Exceptional	$3,466Fees	0.227%Above	113
23	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,326Fees	0.479%Above	110
24	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,654Fees	0.387%Above	90
25	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,264Fees	0.969%Above	68
26	COASTAL LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$5,894Fees	0.100%Above	57
27	KIND LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,400Fees	0.242%Above	44
28	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,856Fees	0.499%Above	42
29	NEAL COMMUNITIES FUNDING, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	Exceptional	$123Fees	0.454%Above	406
30	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$3,059Fees	0.236%Above	181
31	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,341Fees	0.428%Above	165
32	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,848Fees	0.354%Above	131
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	JMAC LENDING, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,451Fees	0.498%Above	72
36	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,810Fees	0.641%Above	68
37	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,913Fees	0.420%Above	65
38	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,397Fees	0.391%Above	56
39	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,595Fees	0.435%Above	265
40	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,274Fees	0.810%Above	82
41	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,192Fees	0.210%Above	54
42	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,369Fees	0.532%Above	50
43	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,886Fees	0.496%Above	50
44	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,380Fees	0.732%Above	41
45	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,330Fees	0.696%Above	32
46	Ixonia BankBank	Strong	Mediocre	Exceptional	Strong	Strong	$4,076Fees	0.325%Above	92
47	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$3,976Fees	0.488%Above	41
48	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$6,144Fees	0.338%Above	37
49	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$3,677Fees	0.605%Above	129
50	PANORAMA MORTGAGE GROUP, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$4,194Fees	0.750%Above	40

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.