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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 Bank Mortgage Lenders in St. Petersburg
Updated February 5, 2026
Market Overview
23
Total Lenders
1,670
Total Loans
0.09%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $317 | -0.402% | 33 | |
2 | Truist Bank | Strong | Strong | Strong | Strong | $925 | +0.025% | 131 | |
3 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,497 | -0.141% | 108 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,322 | +0.068% | 95 | |
5 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $776 | +0.111% | 60 | |
6 | Raymond James Bank | Strong | Exceptional | Sound | Sound | $8 | -0.419% | 25 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,134 | -0.049% | 97 | |
8 | Third Federal Savings and Loan Association of Cleveland | Strong | Strong | Strong | Sound | $913 | -0.071% | 42 | |
9 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Sound | $2,905 | +0.152% | 26 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $1,195 | -0.039% | 22 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,540 | +0.244% | 202 | |
12 | Regions Bank | Strong | Sound | Strong | Strong | $2,158 | +0.288% | 172 | |
13 | First Horizon Bank | Strong | Sound | Strong | Sound | $1,266 | +0.109% | 38 | |
14 | SouthState Bank, National Association | Strong | Sound | Strong | Sound | $2,309 | +0.137% | 37 | |
15 | Synovus Bank | Strong | Sound | Strong | Sound | $3,291 | +0.074% | 36 | |
16 | Cadence Bank | Strong | Sound | Strong | Sound | $1,546 | -0.036% | 25 | |
17 | NexBank | Strong | Sound | Strong | Sound | $3,885 | +0.647% | 23 | |
18 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,215 | +0.329% | 71 | |
19 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,394 | +0.262% | 70 | |
20 | Bell Bank | Strong | Acceptable | Exceptional | Sound | $2,105 | +0.165% | 38 | |
21 | TD Bank, National Association | Strong | Sound | Sound | Sound | $1,255 | +0.230% | 27 | |
22 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,960 | -0.058% | 27 | |
23 | Ixonia Bank | Sound | Mediocre | Strong | Sound | $4,324 | +0.558% | 23 |
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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