Safe Rate Rankings

Best Bank Mortgage Lenders in Port St. Lucie

Updated February 5, 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.
Total Lenders10
Total Loans814
Median Rate Spread0.23%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Bank of America, National AssociationBank
Strong
Strong
Strong
Sound
$2,041Fees
0.031%Below
46
2
U.S. Bank National AssociationBank
Strong
Strong
Strong
Sound
$1,045Fees
0.323%Above
39
3
Truist BankBank
Strong
Strong
Strong
Sound
$1,613Fees
0.097%Above
23
4
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Strong
$2,757Fees
0.218%Above
152
5
SouthState Bank, National AssociationBank
Strong
Sound
Strong
Strong
$2,062Fees
0.222%Above
68
6
Wells Fargo Bank, National AssociationBank
Strong
Strong
Sound
Sound
$2,117Fees
0.012%Above
43
7
Seacoast National BankBank
Strong
Sound
Sound
Strong
$1,512Fees
0.215%Above
64
8
Flagstar Bank, N.A.Bank
Strong
Acceptable
Strong
Strong
$3,072Fees
0.304%Above
159
9
TD Bank, National AssociationBank
Strong
Sound
Sound
Sound
$1,742Fees
0.372%Above
22
10
Plains Commerce BankBank
Sound
Acceptable
Strong
Sound
$2,104Fees
0.487%Above
33

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)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.