🛡️
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 Conventional Mortgage Bank Lenders in St. Petersburg
Updated February 5, 2026
Market Overview
23
Total Lenders
9,727
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $925 | +0.025% | 131 | |
2 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,497 | -0.141% | 108 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,322 | +0.068% | 95 | |
4 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,134 | -0.049% | 97 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $776 | +0.111% | 60 | |
6 | Third Federal Savings and Loan Association of Cleveland | Exceptional | Strong | Exceptional | Strong | Sound | $913 | -0.071% | 42 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $317 | -0.402% | 33 | |
8 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,195 | -0.039% | 22 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,540 | +0.244% | 202 | |
10 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Strong | Sound | $2,905 | +0.152% | 26 | |
11 | Raymond James Bank | Strong | Exceptional | Sound | Sound | Sound | $8 | -0.419% | 25 | |
12 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Sound | $1,266 | +0.109% | 38 | |
13 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,309 | +0.137% | 37 | |
14 | Cadence Bank | Strong | Sound | Exceptional | Strong | Sound | $1,546 | -0.036% | 25 | |
15 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,158 | +0.288% | 172 | |
16 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,215 | +0.329% | 71 | |
17 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,394 | +0.262% | 70 | |
18 | Synovus Bank | Strong | Sound | Strong | Strong | Sound | $3,291 | +0.074% | 36 | |
19 | NexBank | Strong | Sound | Strong | Strong | Sound | $3,885 | +0.647% | 23 | |
20 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,105 | +0.165% | 38 | |
21 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $1,255 | +0.230% | 27 | |
22 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,960 | -0.058% | 27 | |
23 | Ixonia Bank | Sound | Mediocre | Exceptional | 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 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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
St. PetersburgConventional
No credit impact
3-minute process
100% free