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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 Mortgage Lenders in Port St. Lucie

Updated February 5, 2026

Market Overview

122

Total Lenders

8,525

Total Loans

0.37%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	MATTAMY HOME FUNDING, LLC	Exceptional	Strong	Strong	Exceptional	$1,382	+0.280%	167
2	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Strong	$1,858	-0.173%	79
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,285	+0.349%	1,310
4	NAVY FEDERAL CREDIT UNION	Strong	Exceptional	Sound	Sound	$687	-0.385%	51
5	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Exceptional	$913	-0.148%	419
6	MIDFLORIDA	Strong	Strong	Sound	Strong	$1,201	+0.043%	47
7	Bank of America, National Association	Strong	Strong	Strong	Sound	$2,041	-0.031%	46
8	U.S. Bank National Association	Strong	Strong	Strong	Sound	$1,045	+0.323%	39
9	Truist Bank	Strong	Strong	Strong	Sound	$1,613	+0.097%	23
10	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,604	+0.348%	670
11	COASTAL LOANS, LLC	Strong	Acceptable	Exceptional	Exceptional	$7,045	+0.005%	220
12	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$2,230	+0.195%	170
13	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$2,757	+0.218%	152
14	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$2,437	+0.069%	90
15	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$3,490	+0.235%	80
16	SouthState Bank, National Association	Strong	Sound	Strong	Strong	$2,062	+0.222%	68
17	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$2,117	+0.012%	43
18	SPACE COAST CREDIT UNION	Strong	Strong	Sound	Sound	$314	+0.009%	21
19	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$4,311	+0.577%	451
20	THE MORTGAGE FIRM, INC.	Strong	Acceptable	Exceptional	Strong	$3,524	+0.587%	96
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$4,138	+0.544%	85
22	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Sound	Strong	$2,334	+0.117%	67
23	Seacoast National Bank	Strong	Sound	Sound	Strong	$1,512	+0.215%	64
24	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$4,317	+0.434%	61
25	PLANET HOME LENDING, LLC	Strong	Acceptable	Exceptional	Strong	$2,603	+0.381%	58
26	BAY EQUITY LLC	Strong	Sound	Strong	Sound	$4,823	+0.511%	49
27	Flagstar Bank, N.A.	Strong	Acceptable	Strong	Strong	$3,072	+0.304%	159
28	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Strong	$3,993	+0.727%	128
29	RMC HOME MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$5,297	+0.480%	128
30	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$1,705	+0.417%	91
31	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,460	+0.113%	68
32	KIND LENDING, LLC	Strong	Acceptable	Strong	Strong	$3,102	+0.404%	58
33	Equity Prime Mortgage LLC	Strong	Acceptable	Strong	Strong	$4,888	+0.508%	50
34	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Sound	$3,808	+0.326%	43
35	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	$2,177	+0.538%	43
36	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Sound	$4,208	+0.410%	42
37	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Sound	$2,963	+0.419%	37
38	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$3,673	+0.204%	28
39	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Sound	$4,619	+0.296%	25
40	TD Bank, National Association	Strong	Sound	Sound	Sound	$1,742	+0.372%	22
41	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Sound	$3,509	+0.762%	21
42	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	$1,804	+0.342%	21
43	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$2,933	+0.331%	99
44	GUARANTEED RATE AFFINITY, LLC	Sound	Acceptable	Strong	Sound	$3,637	+0.404%	45
45	CAPITAL PARTNERS MORTGAGE SERVICES LLC.	Sound	Acceptable	Sound	Strong	$3,571	+0.254%	45
46	THE LOAN STORE, INC.	Sound	Acceptable	Strong	Sound	$3,312	+0.484%	36
47	EMM LOANS LLC	Sound	Acceptable	Strong	Sound	$4,969	+0.424%	34
48	Plains Commerce Bank	Sound	Acceptable	Strong	Sound	$2,104	+0.487%	33
49	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Sound	Acceptable	Strong	Sound	$2,605	+0.409%	32
50	AMERICAN FINANCIAL NETWORK, INC.	Sound	Acceptable	Strong	Sound	$2,209	+1.002%	26

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.

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