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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 Conventional Mortgage Company Lenders in St. Petersburg

Updated February 5, 2026

Market Overview

Total Lenders

9,727

Total Loans

0.31%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,640	-0.071%	66
2	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,155	+0.239%	1,431
3	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,290	+0.271%	960
4	GERSHMAN INVESTMENT CORP.	Strong	Sound	Exceptional	Strong	Strong	$2,940	+0.500%	90
5	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,609	+0.392%	78
6	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$2,330	+0.256%	58
7	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,837	+0.476%	415
8	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,078	+0.207%	182
9	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$2,071	+0.194%	30
10	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$3,254	+0.575%	29
11	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,496	+0.304%	204
12	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,674	+0.443%	175
13	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,379	-0.044%	173
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,766	+0.511%	138
15	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,914	+0.219%	110
16	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,651	+0.185%	97
17	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,143	+0.471%	95
18	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,845	+0.347%	94
19	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,460	+0.735%	87
20	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,659	+0.370%	87
21	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,477	+0.150%	85
22	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,210	+0.372%	73
23	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,340	+0.541%	57
24	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,391	+0.410%	206
25	HOMEOWNERS FINANCIAL GROUP USA, LLC	Strong	Acceptable	Strong	Strong	Strong	$3,738	+0.444%	104
26	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,380	+0.526%	82
27	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,660	+0.176%	59
28	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,684	+0.473%	49
29	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$4,149	+0.421%	33
30	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,545	+0.519%	32
31	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,174	+0.314%	25
32	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,416	+0.339%	25
33	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$4,340	-0.679%	25
34	RESICENTRAL, LLC	Strong	Sound	Strong	Sound	Sound	$2,066	+0.435%	23
35	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	-$1,789	+0.245%	137
36	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,165	+0.664%	130
37	NFM, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,044	+0.395%	126
38	VAN DYK MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$3,568	+0.441%	118
39	Waterstone Mortgage Corporation	Strong	Mediocre	Exceptional	Strong	Strong	$4,390	+0.550%	83
40	MICHIGAN MUTUAL, INC.	Strong	Acceptable	Strong	Strong	Sound	$3,730	+0.538%	37
41	GO MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Sound	$4,316	+0.232%	33
42	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	Sound	$1,684	+0.579%	23
43	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Sound	$2,999	+0.487%	22
44	THE MORTGAGE FIRM, INC.	Sound	Mediocre	Strong	Strong	Strong	$3,188	+0.549%	104
45	LEGEND LENDING CORPORATION	Sound	Acceptable	Sound	Sound	Strong	$3,675	+0.381%	44
46	ZILLOW HOME LOANS, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,778	+0.618%	37
47	FBC MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	Sound	$1,932	+0.384%	36
48	SUN WEST MORTGAGE COMPANY, INC.	Sound	Acceptable	Strong	Sound	Sound	$3,526	+0.433%	32
49	Click n' Close, Inc.	Sound	Mediocre	Strong	Sound	Strong	$9,252	+1.810%	81
50	TOP FLITE FINANCIAL, INC.	Sound	Acceptable	Sound	Acceptable	Strong	$3,030	+0.239%	65

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.

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