# Best Conventional Mortgage Lenders in St. Petersburg

**As of:** 2026-05-23

Compare the top Conventional mortgage lenders in St. Petersburg. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/st-petersburg/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 159
- **Total Loans:** 9,727
- **Median Rate Spread:** 0.31177707006369426%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Truist Bank | 85 | 71 | 69 | 131 | Bank |
| 2 | Bank of America, National Association | 85 | 71 | 67 | 108 | Bank |
| 3 | U.S. Bank National Association | 85 | 75 | 69 | 95 | Bank |
| 4 | Suncoast Credit Union | 85 | 98 | 62 | 90 | Credit Union |
| 5 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 136 | Credit Union |
| 6 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 66 | Independent Mortgage Company |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 1,431 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 960 | Independent Mortgage Company |
| 9 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 202 | Bank |
| 10 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 97 | Bank |
| 11 | GERSHMAN INVESTMENT CORP. | 79 | 53 | 74 | 90 | Independent Mortgage Company |
| 12 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 78 | Independent Mortgage Company |
| 13 | Fifth Third Bank, National Association | 79 | 61 | 60 | 60 | Bank |
| 14 | Third Federal Savings and Loan Association of Cleveland | 79 | 71 | 63 | 42 | Bank |
| 15 | PNC Bank, National Association | 79 | 75 | 63 | 22 | Bank |
| 16 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 415 | Independent Mortgage Company |
| 17 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 58 | Independent Mortgage Company |
| 18 | MIDFLORIDA | 74 | 62 | 56 | 42 | Credit Union |
| 19 | HANCOCK WHITNEY BANK | 74 | 62 | 61 | 26 | Bank |
| 20 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 182 | Independent Mortgage Company |
| 21 | Grow Financial Federal Credit Union | 73 | 87 | 54 | 39 | Credit Union |
| 22 | First Horizon Bank | 73 | 57 | 65 | 38 | Bank |
| 23 | SouthState Bank, National Association | 73 | 48 | 72 | 37 | Bank |
| 24 | Morgan Stanley Private Bank, National Association | 73 | 96 | 57 | 33 | Bank |
| 25 | BAY EQUITY LLC | 73 | 46 | 65 | 30 | Independent Mortgage Company |
| 26 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 29 | Independent Mortgage Company |
| 27 | Cadence Bank | 73 | 48 | 71 | 25 | Bank |
| 28 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 204 | Independent Mortgage Company |
| 29 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 175 | Independent Mortgage Company |
| 30 | Regions Bank | 71 | 39 | 64 | 172 | Bank |
| 31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 138 | Independent Mortgage Company |
| 32 | LOWER, LLC | 71 | 33 | 66 | 110 | Independent Mortgage Company |
| 33 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 97 | Independent Mortgage Company |
| 34 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 95 | Independent Mortgage Company |
| 35 | KIND LENDING, LLC | 71 | 31 | 66 | 94 | Independent Mortgage Company |
| 36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 20 | 78 | 87 | Independent Mortgage Company |
| 37 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 29 | 63 | 87 | Independent Mortgage Company |
| 38 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 85 | Independent Mortgage Company |
| 39 | THE LOAN STORE, INC. | 71 | 39 | 71 | 73 | Independent Mortgage Company |
| 40 | Plains Commerce Bank | 71 | 35 | 64 | 71 | Bank |
| 41 | Flagstar Bank, N.A. | 71 | 34 | 72 | 70 | Bank |
| 42 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 57 | Independent Mortgage Company |
| 43 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 173 | Independent Mortgage Company |
| 44 | Synovus Bank | 69 | 48 | 62 | 36 | Bank |
| 45 | NexBank | 69 | 43 | 66 | 23 | Bank |
| 46 | Raymond James Bank | 68 | 84 | 41 | 25 | Bank |
| 47 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 67 | 20 | 69 | 104 | Independent Mortgage Company |
| 48 | NEWREZ LLC | 66 | 31 | 58 | 206 | Independent Mortgage Company |
| 49 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 82 | Independent Mortgage Company |
| 50 | GUARANTEED RATE AFFINITY, LLC | 66 | 32 | 54 | 59 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within St. Petersburg.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.