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

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