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Safe Rate's TrueRank Guarantee
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 Company Lenders in Port St. Lucie
Updated February 5, 2026
Market Overview
50
Total Lenders
8,525
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
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 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,604 | +0.348% | 670 | |
8 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $7,045 | +0.005% | 220 | |
9 | RMC HOME MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $5,297 | +0.480% | 128 | |
10 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,603 | +0.381% | 58 | |
11 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,102 | +0.404% | 58 | |
12 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | Sound | $2,177 | +0.538% | 43 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,933 | +0.331% | 99 | |
14 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,524 | +0.587% | 96 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,138 | +0.544% | 85 | |
16 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,312 | +0.484% | 36 | |
17 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Sound | $4,969 | +0.424% | 34 | |
18 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,993 | +0.727% | 128 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,490 | +0.235% | 80 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,317 | +0.434% | 61 | |
21 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,888 | +0.508% | 50 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,808 | +0.326% | 43 | |
23 | AMERICAN BANCSHARES MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $5,068 | +0.668% | 28 | |
24 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,619 | +0.296% | 25 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,509 | +0.762% | 21 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,311 | +0.577% | 451 | |
27 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,697 | +0.587% | 109 | |
28 | NP, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,687 | +0.660% | 76 | |
29 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,823 | +0.511% | 49 | |
30 | CAPITAL PARTNERS MORTGAGE SERVICES LLC. | Strong | Acceptable | Strong | Strong | Strong | $3,571 | +0.254% | 45 | |
31 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,637 | +0.404% | 45 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,208 | +0.410% | 42 | |
33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,963 | +0.419% | 37 | |
34 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Sound | $2,249 | +0.579% | 37 | |
35 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,605 | +0.409% | 32 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,673 | +0.204% | 28 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,209 | +1.002% | 26 | |
38 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,936 | +0.763% | 22 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,261 | +0.500% | 21 | |
40 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,176 | +1.179% | 20 | |
41 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,533 | +0.072% | 19 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,460 | +0.113% | 68 | |
43 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,756 | +0.844% | 31 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,979 | +0.730% | 31 | |
45 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,305 | +0.493% | 30 | |
46 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,055 | +0.385% | 26 | |
47 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,563 | +0.573% | 24 | |
48 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,051 | +0.420% | 118 | |
49 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $6,823 | +0.766% | 46 | |
50 | BUILDERS CHOICE MORTGAGE LLC | Sound | Acceptable | Strong | Sound | Sound | $4,600 | +0.430% | 24 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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