Safe Rate Rankings

Best Jumbo 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%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,497Fees	0.141%Below	108
2	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,134Fees	0.049%Below	97
3	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,322Fees	0.068%Above	95
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$726Fees	0.476%Below	136
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$317Fees	0.402%Below	33
6	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,496Fees	0.304%Above	204
7	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$925Fees	0.025%Above	131
8	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$776Fees	0.111%Above	60
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,155Fees	0.239%Above	1,431
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,290Fees	0.271%Above	960
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,540Fees	0.244%Above	202
12	Regions BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,158Fees	0.288%Above	172
13	MIDFLORIDACredit Union	Strong	Strong	Strong	Sound	Strong	$940Fees	0.138%Above	42
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,837Fees	0.476%Above	415
15	TD Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,255Fees	0.230%Above	27
16	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,391Fees	0.410%Above	206
17	First Horizon BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,266Fees	0.109%Above	38
18	ANGEL OAK MORTGAGE SOLUTIONS LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,407Fees	1.114%Above	28
19	HANCOCK WHITNEY BANKBank	Sound	Acceptable	Strong	Sound	Sound	$2,905Fees	0.152%Above	26
20	Cadence BankBank	Sound	Mediocre	Exceptional	Strong	Sound	$1,546Fees	0.036%Below	25
21	CLEAREDGE LENDING LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$7,650Fees	0.922%Above	22

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.