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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 Mortgage Company Lenders in St. Petersburg

Updated February 5, 2026

Market Overview

Total Lenders

7,553

Total Loans

0.46%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Sound	Strong	$1,640	-0.071%	66
2	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,155	+0.239%	1,431
3	FBC MORTGAGE, LLC	Strong	Strong	Exceptional	Sound	$1,932	+0.384%	36
4	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,290	+0.271%	960
5	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$3,496	+0.304%	204
6	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$2,078	+0.207%	182
7	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$2,379	-0.044%	173
8	GERSHMAN INVESTMENT CORP.	Strong	Sound	Strong	Strong	$2,940	+0.500%	90
9	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$3,609	+0.392%	78
10	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$3,837	+0.476%	415
11	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$3,674	+0.443%	175
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$3,766	+0.511%	138
13	NFM, INC.	Strong	Acceptable	Exceptional	Strong	$3,044	+0.395%	126
14	THE MORTGAGE FIRM, INC.	Strong	Acceptable	Exceptional	Strong	$3,188	+0.549%	104
15	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$2,651	+0.185%	97
16	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	$3,143	+0.471%	95
17	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	$3,659	+0.370%	87
18	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Strong	$2,330	+0.256%	58
19	BAY EQUITY LLC	Strong	Sound	Strong	Sound	$2,071	+0.194%	30
20	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	-$1,789	+0.245%	137
21	VAN DYK MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	$3,568	+0.441%	118
22	LOWER, LLC	Strong	Acceptable	Strong	Strong	$2,914	+0.219%	110
23	KIND LENDING, LLC	Strong	Acceptable	Strong	Strong	$1,845	+0.347%	94
24	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Strong	Strong	$3,460	+0.735%	87
25	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$2,477	+0.150%	85
26	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$3,210	+0.372%	73
27	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Strong	Strong	$3,660	+0.176%	59
28	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Strong	$3,340	+0.541%	57
29	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Sound	$3,684	+0.473%	49
30	GoodLeap, LLC	Strong	Sound	Sound	Sound	$4,340	-0.679%	25
31	RESICENTRAL, LLC	Strong	Sound	Sound	Sound	$2,066	+0.435%	23
32	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$2,391	+0.410%	206
33	EVERETT FINANCIAL, INC.	Sound	Mediocre	Exceptional	Strong	$3,165	+0.664%	130
34	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Strong	$3,380	+0.526%	82
35	LEGEND LENDING CORPORATION	Sound	Acceptable	Sound	Strong	$3,675	+0.381%	44
36	PREFERRED LENDING SERVICES, LLC	Sound	Acceptable	Sound	Strong	$2,861	+0.452%	38
37	ZILLOW HOME LOANS, LLC	Sound	Acceptable	Strong	Sound	$2,778	+0.618%	37
38	MICHIGAN MUTUAL, INC.	Sound	Acceptable	Strong	Sound	$3,730	+0.538%	37
39	Equity Prime Mortgage LLC	Sound	Acceptable	Strong	Sound	$3,463	+0.439%	36
40	LEADERONE FINANCIAL CORPORATION	Sound	Acceptable	Strong	Sound	$4,149	+0.421%	33
41	Sierra Pacific Mortgage Company, Inc.	Sound	Acceptable	Strong	Sound	$3,545	+0.519%	32
42	SUN WEST MORTGAGE COMPANY, INC.	Sound	Acceptable	Strong	Sound	$3,526	+0.433%	32
43	PLAZA HOME MORTGAGE, INC.	Sound	Acceptable	Strong	Sound	$3,254	+0.575%	29
44	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Sound	Acceptable	Strong	Sound	$3,174	+0.314%	25
45	EMM LOANS LLC	Sound	Acceptable	Strong	Sound	$3,416	+0.339%	25
46	TIDEWATER MORTGAGE SERVICES, INC.	Sound	Acceptable	Strong	Sound	$1,684	+0.579%	23
47	NATIONS DIRECT MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	$2,999	+0.487%	22
48	HOMEOWNERS FINANCIAL GROUP USA, LLC	Sound	Mediocre	Strong	Strong	$3,738	+0.444%	104
49	JMAC LENDING, INC.	Sound	Acceptable	Sound	Sound	$1,750	+0.299%	37
50	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Sound	Sound	$4,269	+0.580%	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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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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