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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 Mortgage Lenders in St. Petersburg
Updated February 5, 2026
Market Overview
159
Total Lenders
9,727
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Suncoast Credit Union | Exceptional | Exceptional | Strong | Strong | -$1,210 | -1.004% | 90 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $726 | -0.476% | 136 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,640 | -0.071% | 66 | |
4 | Grow Financial Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $1,295 | -1.235% | 39 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $317 | -0.402% | 33 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,155 | +0.239% | 1,431 | |
7 | Truist Bank | Strong | Strong | Strong | Strong | $925 | +0.025% | 131 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,497 | -0.141% | 108 | |
9 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,322 | +0.068% | 95 | |
10 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $776 | +0.111% | 60 | |
11 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $1,932 | +0.384% | 36 | |
12 | Raymond James Bank | Strong | Exceptional | Sound | Sound | $8 | -0.419% | 25 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,134 | -0.049% | 97 | |
14 | Third Federal Savings and Loan Association of Cleveland | Strong | Strong | Strong | Sound | $913 | -0.071% | 42 | |
15 | MIDFLORIDA | Strong | Strong | Sound | Strong | $940 | +0.138% | 42 | |
16 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Sound | $2,905 | +0.152% | 26 | |
17 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $1,195 | -0.039% | 22 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,290 | +0.271% | 960 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,496 | +0.304% | 204 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,540 | +0.244% | 202 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,078 | +0.207% | 182 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,379 | -0.044% | 173 | |
23 | Regions Bank | Strong | Sound | Strong | Strong | $2,158 | +0.288% | 172 | |
24 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Strong | $2,940 | +0.500% | 90 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,609 | +0.392% | 78 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,837 | +0.476% | 415 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,674 | +0.443% | 175 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,766 | +0.511% | 138 | |
29 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,044 | +0.395% | 126 | |
30 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Strong | $3,188 | +0.549% | 104 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,651 | +0.185% | 97 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,143 | +0.471% | 95 | |
33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,659 | +0.370% | 87 | |
34 | GTE Federal Credit Union | Strong | Sound | Sound | Strong | $1,075 | +0.199% | 69 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,330 | +0.256% | 58 | |
36 | ACHIEVA CREDIT UNION | Strong | Sound | Sound | Strong | $1,305 | +0.052% | 51 | |
37 | First Horizon Bank | Strong | Sound | Strong | Sound | $1,266 | +0.109% | 38 | |
38 | SouthState Bank, National Association | Strong | Sound | Strong | Sound | $2,309 | +0.137% | 37 | |
39 | Synovus Bank | Strong | Sound | Strong | Sound | $3,291 | +0.074% | 36 | |
40 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $2,071 | +0.194% | 30 | |
41 | Cadence Bank | Strong | Sound | Strong | Sound | $1,546 | -0.036% | 25 | |
42 | NexBank | Strong | Sound | Strong | Sound | $3,885 | +0.647% | 23 | |
43 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | -$1,789 | +0.245% | 137 | |
44 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,568 | +0.441% | 118 | |
45 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,914 | +0.219% | 110 | |
46 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $1,845 | +0.347% | 94 | |
47 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,460 | +0.735% | 87 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,477 | +0.150% | 85 | |
49 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,210 | +0.372% | 73 | |
50 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,215 | +0.329% | 71 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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