Safe Rate Rankings

Best VA 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	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$1,858Fees	0.173%Below	79
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,285Fees	0.349%Above	1,310
3	MATTAMY HOME FUNDING, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,382Fees	0.280%Above	167
4	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,230Fees	0.195%Above	170
5	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,437Fees	0.069%Above	90
6	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,490Fees	0.235%Above	80
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$687Fees	0.385%Below	51
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$913Fees	0.148%Below	419
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,604Fees	0.348%Above	670
10	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$3,072Fees	0.304%Above	159
11	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,993Fees	0.727%Above	128
12	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,933Fees	0.331%Above	99
13	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,603Fees	0.381%Above	58
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$3,673Fees	0.204%Above	28
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,311Fees	0.577%Above	451
16	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$5,297Fees	0.480%Above	128
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,138Fees	0.544%Above	85
18	COASTAL LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$7,045Fees	0.005%Above	220
19	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,705Fees	0.417%Above	91
20	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,460Fees	0.113%Above	68
21	ACOPIA, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,051Fees	0.420%Above	118
22	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,888Fees	0.508%Above	50
23	BAY EQUITY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,823Fees	0.511%Above	49
24	CAPITAL PARTNERS MORTGAGE SERVICES LLC.Independent Mortgage Company	Strong	Acceptable	Sound	Exceptional	Strong	$3,571Fees	0.254%Above	45
25	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,963Fees	0.419%Above	37
26	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,697Fees	0.587%Above	109
27	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$3,756Fees	0.844%Above	31
28	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$5,174Fees	0.773%Above	19

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.