Safe Rate Rankings

Best Conventional Mortgage Lenders in St. Petersburg

Updated May 23, 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 Lenders159

Total Loans9,727

Median Rate Spread0.31%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$726Fees	0.476%Below	136
2	Suncoast Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	Strong	$1,210Credit	1.004%Below	90
3	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,640Fees	0.071%Below	66
4	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$925Fees	0.025%Above	131
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,497Fees	0.141%Below	108
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,322Fees	0.068%Above	95
7	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,134Fees	0.049%Below	97
8	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$776Fees	0.111%Above	60
9	Third Federal Savings and Loan Association of ClevelandBank	Exceptional	Strong	Exceptional	Strong	Sound	$913Fees	0.071%Below	42
10	Grow Financial Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$1,295Fees	1.235%Below	39
11	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$317Fees	0.402%Below	33
12	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,195Fees	0.039%Below	22
13	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,155Fees	0.239%Above	1,431
14	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,290Fees	0.271%Above	960
15	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,540Fees	0.244%Above	202
16	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,940Fees	0.500%Above	90
17	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,609Fees	0.392%Above	78
18	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$2,330Fees	0.256%Above	58
19	MIDFLORIDACredit Union	Strong	Strong	Strong	Sound	Strong	$940Fees	0.138%Above	42
20	HANCOCK WHITNEY BANKBank	Strong	Strong	Strong	Strong	Sound	$2,905Fees	0.152%Above	26
21	Raymond James BankBank	Strong	Exceptional	Sound	Sound	Sound	$8Fees	0.419%Below	25
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,837Fees	0.476%Above	415
23	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,078Fees	0.207%Above	182
24	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,266Fees	0.109%Above	38
25	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,309Fees	0.137%Above	37
26	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,071Fees	0.194%Above	30
27	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,254Fees	0.575%Above	29
28	Cadence BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,546Fees	0.036%Below	25
29	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,496Fees	0.304%Above	204
30	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,674Fees	0.443%Above	175
31	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,379Fees	0.044%Below	173
32	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,158Fees	0.288%Above	172
33	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,766Fees	0.511%Above	138
34	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,914Fees	0.219%Above	110
35	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,651Fees	0.185%Above	97
36	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,143Fees	0.471%Above	95
37	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,845Fees	0.347%Above	94
38	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,659Fees	0.370%Above	87
39	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,460Fees	0.735%Above	87
40	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,477Fees	0.150%Above	85
41	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,210Fees	0.372%Above	73
42	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,215Fees	0.329%Above	71
43	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,394Fees	0.262%Above	70
44	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,340Fees	0.541%Above	57
45	Synovus BankBank	Strong	Sound	Strong	Strong	Sound	$3,291Fees	0.074%Above	36
46	NexBankBank	Strong	Sound	Strong	Strong	Sound	$3,885Fees	0.647%Above	23
47	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,391Fees	0.410%Above	206
48	HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,738Fees	0.444%Above	104
49	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,380Fees	0.526%Above	82
50	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,660Fees	0.176%Above	59

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.