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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,155 | +0.239% | 1,431 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,379 | -0.044% | 173 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,932 | +0.384% | 36 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,078 | +0.207% | 182 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,290 | +0.271% | 960 | |
6 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $925 | +0.025% | 131 | |
7 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,845 | +0.347% | 94 | |
8 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $2,940 | +0.500% | 90 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,609 | +0.392% | 78 | |
10 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,210 | +0.372% | 73 | |
11 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,215 | +0.329% | 71 | |
12 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,394 | +0.262% | 70 | |
13 | Synovus Bank | Strong | Strong | Strong | Strong | Sound | $3,291 | +0.074% | 36 | |
14 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,340 | -0.679% | 25 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,391 | +0.410% | 206 | |
16 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $2,158 | +0.288% | 172 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,766 | +0.511% | 138 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,044 | +0.395% | 126 | |
19 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,188 | +0.549% | 104 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,143 | +0.471% | 95 | |
21 | MICHIGAN MUTUAL, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,730 | +0.538% | 37 | |
22 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Sound | $3,416 | +0.339% | 25 | |
23 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,999 | +0.487% | 22 | |
24 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,496 | +0.304% | 204 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,540 | +0.244% | 202 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,674 | +0.443% | 175 | |
27 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,568 | +0.441% | 118 | |
28 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,914 | +0.219% | 110 | |
29 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,738 | +0.444% | 104 | |
30 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,651 | +0.185% | 97 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,460 | +0.735% | 87 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,659 | +0.370% | 87 | |
33 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,340 | +0.541% | 57 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,837 | +0.476% | 415 | |
35 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,165 | +0.664% | 130 | |
36 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,390 | +0.550% | 83 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,330 | +0.256% | 58 | |
38 | LEGEND LENDING CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,675 | +0.381% | 44 | |
39 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Sound | $1,750 | +0.299% | 37 | |
40 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,463 | +0.439% | 36 | |
41 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,545 | +0.519% | 32 | |
42 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,526 | +0.433% | 32 | |
43 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,254 | +0.575% | 29 | |
44 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,174 | +0.314% | 25 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,477 | +0.150% | 85 | |
46 | Click n' Close, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $9,252 | +1.810% | 81 | |
47 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,269 | +0.580% | 30 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,380 | +0.526% | 82 | |
49 | LEADERONE FINANCIAL CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,149 | +0.421% | 33 | |
50 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | Sound | $3,639 | +0.237% | 30 |
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.
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