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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 Jumbo 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 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,497 | -0.141% | 108 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,134 | -0.049% | 97 | |
3 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,322 | +0.068% | 95 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $726 | -0.476% | 136 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $317 | -0.402% | 33 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,496 | +0.304% | 204 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $925 | +0.025% | 131 | |
8 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $776 | +0.111% | 60 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,155 | +0.239% | 1,431 | |
10 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,290 | +0.271% | 960 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,540 | +0.244% | 202 | |
12 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $2,158 | +0.288% | 172 | |
13 | MIDFLORIDA | Strong | Strong | Strong | Sound | Strong | $940 | +0.138% | 42 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,837 | +0.476% | 415 | |
15 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,255 | +0.230% | 27 | |
16 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,391 | +0.410% | 206 | |
17 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,266 | +0.109% | 38 | |
18 | ANGEL OAK MORTGAGE SOLUTIONS LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,407 | +1.114% | 28 | |
19 | HANCOCK WHITNEY BANK | Sound | Acceptable | Strong | Sound | Sound | $2,905 | +0.152% | 26 | |
20 | Cadence Bank | Sound | Mediocre | Exceptional | Strong | Sound | $1,546 | -0.036% | 25 | |
21 | CLEAREDGE LENDING LLC | Sound | Mediocre | Exceptional | Strong | Sound | $7,650 | +0.922% | 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)
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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