# Best Jumbo Mortgage Lenders in St. Petersburg

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

Compare the top Jumbo 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/jumbo-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 | Bank of America, National Association | 89 | 90 | 80 | 108 | Bank |
| 2 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 97 | Bank |
| 3 | U.S. Bank National Association | 89 | 88 | 76 | 95 | Bank |
| 4 | GUARANTEED RATE, INC. | 85 | 64 | 62 | 204 | Independent Mortgage Company |
| 5 | Truist Bank | 85 | 76 | 71 | 131 | Bank |
| 6 | Fifth Third Bank, National Association | 85 | 74 | 70 | 60 | Bank |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 1,431 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 960 | Independent Mortgage Company |
| 9 | NAVY FEDERAL CREDIT UNION | 83 | 95 | 51 | 136 | Credit Union |
| 10 | Morgan Stanley Private Bank, National Association | 83 | 96 | 75 | 33 | Bank |
| 11 | JPMorgan Chase Bank, National Association | 79 | 49 | 64 | 202 | Bank |
| 12 | Regions Bank | 79 | 48 | 68 | 172 | Bank |
| 13 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 40 | 70 | 415 | Independent Mortgage Company |
| 14 | MIDFLORIDA | 74 | 75 | 44 | 42 | Credit Union |
| 15 | TD Bank, National Association | 73 | 51 | 72 | 27 | Bank |
| 16 | NEWREZ LLC | 66 | 23 | 55 | 206 | Independent Mortgage Company |
| 17 | First Horizon Bank | 66 | 36 | 72 | 38 | Bank |
| 18 | HANCOCK WHITNEY BANK | 58 | 32 | 53 | 26 | Bank |
| 19 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 56 | 9 | 70 | 28 | Independent Mortgage Company |
| 20 | Cadence Bank | 56 | 11 | 72 | 25 | Bank |
| 21 | CLEAREDGE LENDING LLC | 56 | 9 | 69 | 22 | 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.