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

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Port St. Lucie, FLConventional

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