Safe Rate Rankings

Best FHA 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	MATTAMY HOME FUNDING, LLCIndependent Mortgage Company	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,382Fees	0.280%Above	167
2	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,858Fees	0.173%Below	79
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,285Fees	0.349%Above	1,310
4	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,230Fees	0.195%Above	170
5	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$913Fees	0.148%Below	419
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Sound	Strong	$2,437Fees	0.069%Above	90
7	SouthState Bank, National AssociationBank	Exceptional	Strong	Strong	Strong	Strong	$2,062Fees	0.222%Above	68
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,604Fees	0.348%Above	670
9	COASTAL LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$7,045Fees	0.005%Above	220
10	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$3,072Fees	0.304%Above	159
11	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$5,297Fees	0.480%Above	128
12	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,603Fees	0.381%Above	58
13	KIND LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,102Fees	0.404%Above	58
14	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,177Fees	0.538%Above	43
15	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,933Fees	0.331%Above	99
16	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,524Fees	0.587%Above	96
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,138Fees	0.544%Above	85
18	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,312Fees	0.484%Above	36
19	EMM LOANS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,969Fees	0.424%Above	34
20	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,104Fees	0.487%Above	33
21	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$2,757Fees	0.218%Above	152
22	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,993Fees	0.727%Above	128
23	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,490Fees	0.235%Above	80
24	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,317Fees	0.434%Above	61
25	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,888Fees	0.508%Above	50
26	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,808Fees	0.326%Above	43
27	AMERICAN BANCSHARES MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Strong	$5,068Fees	0.668%Above	28
28	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,619Fees	0.296%Above	25
29	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,509Fees	0.762%Above	21
30	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,311Fees	0.577%Above	451
31	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,697Fees	0.587%Above	109
32	NP, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,687Fees	0.660%Above	76
33	BAY EQUITY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,823Fees	0.511%Above	49
34	CAPITAL PARTNERS MORTGAGE SERVICES LLC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,571Fees	0.254%Above	45
35	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,637Fees	0.404%Above	45
36	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,208Fees	0.410%Above	42
37	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,963Fees	0.419%Above	37
38	JMAC LENDING, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,249Fees	0.579%Above	37
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	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,936Fees	0.763%Above	22
43	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,261Fees	0.500%Above	21
44	OCMBC, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,176Fees	1.179%Above	20
45	SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,533Fees	0.072%Above	19
46	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,460Fees	0.113%Above	68
47	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$3,756Fees	0.844%Above	31
48	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$5,979Fees	0.730%Above	31
49	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,305Fees	0.493%Above	30
50	Waterstone Mortgage CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$5,055Fees	0.385%Above	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 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.