Safe Rate Rankings

Best FHA Mortgage Company 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 Lenders50

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

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.