🛡️
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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,155 | +0.239% | 1,431 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $726 | -0.476% | 136 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,496 | +0.304% | 204 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,078 | +0.207% | 182 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,379 | -0.044% | 173 | |
6 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,845 | +0.347% | 94 | |
7 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $2,940 | +0.500% | 90 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,674 | +0.443% | 175 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,651 | +0.185% | 97 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,290 | +0.271% | 960 | |
11 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,391 | +0.410% | 206 | |
12 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $925 | +0.025% | 131 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,609 | +0.392% | 78 | |
14 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,394 | +0.262% | 70 | |
15 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,960 | -0.058% | 27 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,837 | +0.476% | 415 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,766 | +0.511% | 138 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,044 | +0.395% | 126 | |
19 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,526 | +0.433% | 32 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | -$1,789 | +0.245% | 137 | |
21 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,914 | +0.219% | 110 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,143 | +0.471% | 95 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,659 | +0.370% | 87 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,477 | +0.150% | 85 | |
25 | JMAC LENDING, INC. | Strong | Sound | Strong | Strong | Sound | $1,750 | +0.299% | 37 | |
26 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,738 | +0.444% | 104 | |
27 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,165 | +0.664% | 130 | |
28 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,390 | +0.550% | 83 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,463 | +0.439% | 36 | |
30 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,269 | +0.580% | 30 | |
31 | VAN DYK MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $3,568 | +0.441% | 118 | |
32 | THE MORTGAGE FIRM, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,188 | +0.549% | 104 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
St. PetersburgVA
No credit impact
3-minute process
100% free