# Best VA Mortgage Lenders in St. Petersburg

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

Compare the top VA 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/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 1,431 | Independent Mortgage Company |
| 2 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 204 | Independent Mortgage Company |
| 3 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 182 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 173 | Independent Mortgage Company |
| 5 | KIND LENDING, LLC | 85 | 64 | 67 | 94 | Independent Mortgage Company |
| 6 | GERSHMAN INVESTMENT CORP. | 85 | 65 | 77 | 90 | Independent Mortgage Company |
| 7 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 175 | Independent Mortgage Company |
| 8 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 136 | Credit Union |
| 9 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 97 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 960 | Independent Mortgage Company |
| 11 | NEWREZ LLC | 79 | 47 | 63 | 206 | Independent Mortgage Company |
| 12 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 78 | Independent Mortgage Company |
| 13 | Flagstar Bank, N.A. | 79 | 56 | 68 | 70 | Bank |
| 14 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 415 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 138 | Independent Mortgage Company |
| 16 | NFM, INC. | 75 | 40 | 83 | 126 | Independent Mortgage Company |
| 17 | Truist Bank | 74 | 71 | 60 | 131 | Bank |
| 18 | SUN WEST MORTGAGE COMPANY, INC. | 73 | 48 | 61 | 32 | Independent Mortgage Company |
| 19 | USAA Federal Savings Bank | 73 | 62 | 58 | 27 | Bank |
| 20 | Mortgage Research Center, LLC | 71 | 34 | 61 | 137 | Independent Mortgage Company |
| 21 | LOWER, LLC | 71 | 25 | 63 | 110 | Independent Mortgage Company |
| 22 | UNION HOME MORTGAGE CORP. | 71 | 25 | 79 | 95 | Independent Mortgage Company |
| 23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 22 | 79 | 87 | Independent Mortgage Company |
| 24 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 85 | Independent Mortgage Company |
| 25 | JMAC LENDING, INC. | 69 | 60 | 63 | 37 | Independent Mortgage Company |
| 26 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 67 | 36 | 63 | 104 | Independent Mortgage Company |
| 27 | Equity Prime Mortgage LLC | 62 | 20 | 57 | 36 | Independent Mortgage Company |
| 28 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 26 | 51 | 30 | Independent Mortgage Company |
| 29 | EVERETT FINANCIAL, INC. | 60 | 9 | 75 | 130 | Independent Mortgage Company |
| 30 | Waterstone Mortgage Corporation | 60 | 8 | 78 | 83 | Independent Mortgage Company |
| 31 | VAN DYK MORTGAGE CORPORATION | 57 | 19 | 64 | 118 | Independent Mortgage Company |
| 32 | THE MORTGAGE FIRM, INC. | 57 | 16 | 73 | 104 | 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.