Safe Rate Rankings

Best Conventional 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.

Market

Total Lenders122

Total Loans8,525

Median Rate Spread0.37%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$687Fees	0.385%Below	51
2	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$913Fees	0.148%Below	419
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,041Fees	0.031%Below	46
4	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,045Fees	0.323%Above	39
5	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,613Fees	0.097%Above	23
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,285Fees	0.349%Above	1,310
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,604Fees	0.348%Above	670
8	MATTAMY HOME FUNDING, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$1,382Fees	0.280%Above	167
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,757Fees	0.218%Above	152
10	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,062Fees	0.222%Above	68
11	MIDFLORIDACredit Union	Strong	Strong	Strong	Sound	Strong	$1,201Fees	0.043%Above	47
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,117Fees	0.012%Above	43
13	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,311Fees	0.577%Above	451
14	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,437Fees	0.069%Above	90
15	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,334Fees	0.117%Above	67
16	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,823Fees	0.511%Above	49
17	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,936Fees	0.763%Above	22
18	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,804Fees	0.342%Above	21
19	SPACE COAST CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Sound	$314Fees	0.009%Above	21
20	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,230Fees	0.195%Above	170
21	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,072Fees	0.304%Above	159
22	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,993Fees	0.727%Above	128
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,138Fees	0.544%Above	85
24	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,490Fees	0.235%Above	80
25	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,460Fees	0.113%Above	68
26	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,317Fees	0.434%Above	61
27	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,102Fees	0.404%Above	58
28	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,933Fees	0.331%Above	99
29	Seacoast National BankBank	Strong	Sound	Sound	Sound	Strong	$1,512Fees	0.215%Above	64
30	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,603Fees	0.381%Above	58
31	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$6,823Fees	0.766%Above	46
32	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,808Fees	0.326%Above	43
33	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,177Fees	0.538%Above	43
34	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,208Fees	0.410%Above	42
35	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,963Fees	0.419%Above	37
36	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,312Fees	0.484%Above	36
37	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,969Fees	0.424%Above	34
38	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,104Fees	0.487%Above	33
39	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,605Fees	0.409%Above	32
40	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,673Fees	0.204%Above	28
41	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,209Fees	1.002%Above	26
42	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,619Fees	0.296%Above	25
43	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,563Fees	0.573%Above	24
44	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$1,742Fees	0.372%Above	22
45	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,261Fees	0.500%Above	21
46	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,509Fees	0.762%Above	21
47	ACOPIA, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$4,051Fees	0.420%Above	118
48	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,705Fees	0.417%Above	91
49	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,858Fees	0.173%Below	79
50	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,637Fees	0.404%Above	45

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.