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

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