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Mortgage Lenders and Brokers in St. Petersburg, Florida

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

St. Petersburg, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Suncoast Credit UnionSuncoast Credit Union1328 E Oak St, Arcadia, FL 34266A5.0 ★Texas Ratio: 6.26%, Midflorida Credit UnionMidflorida Credit Union1199 Spring Centre South Blvd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.18%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, Gte Federal Credit UnionGte Federal Credit Union7375 University Pkwy, Bradenton, FL 34202 2300A5.0 ★Texas Ratio: 7.65%, Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%, and Fifth Third Bank, National AssociationFifth Third Bank, National Association254 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.22%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in St. Petersburg, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Petersburg are listed first, then lenders elsewhere in Florida, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in St. Petersburg, Florida

Market share is the lender's share of all home loans closed in St. Petersburg, Florida. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
JPMorgan Chase Bank, NA 500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	70 +7 HELOCs	1.8%	86%	$478,571	View
Truist Bank ★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, Jumbo, HELOC	68 +62 HELOCs	1.7%	84.1%	$841,911	View
Regions Bank 360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, Jumbo, HELOC	65 +58 HELOCs	1.7%	58.4%	$563,153	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional, Jumbo, HELOC	49 +87 HELOCs	1.3%	83.1%	$378,469	View
Midflorida Credit Union ★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18%	Conventional, Jumbo, HELOC	45 +20 HELOCs	1.1%	54.8%	$399,666	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	42 +10 HELOCs	1.1%	75.4%	$527,857	View
Bank of America NA 460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	40 +83 HELOCs	1%	82%	$602,500	View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	Conventional, FHA, Jumbo, HELOC	37 +10 HELOCs	0.9%	66.1%	$219,864	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	28 +69 HELOCs	0.7%	62%	$164,642	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, Jumbo, HELOC	27 +40 HELOCs	0.7%	71.1%	$398,333	View
Wells Fargo Bank NA 1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	27	0.7%	60%	$632,777	View
Achieva Credit Union 4254 53rd Ave E, Bradenton, FL 34203 A+5.0 ★Texas Ratio: 2.57%	Conventional, Jumbo, HELOC	23 +75 HELOCs	0.6%	79.3%	$339,782	View
The Bank of Tampa 10650 Boardwalk Loop, Bradenton, FL 34202 A+5.0 ★Texas Ratio: 2.04%	Conventional, Jumbo	23	0.6%	73%	$551,521	View
Grow Financial Federal Credit Union 11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70%	Conventional	22	0.6%	75.9%	$165,454	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41%	Conventional, VA, HELOC	21 +6 HELOCs	0.5%	87.5%	$291,190	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	15 +8 HELOCs	0.4%	88.2%	$1,115,666	View
Floridacentral Credit Union 701 9th St W, Bradenton, FL 34205 8656 A+5.0 ★Texas Ratio: 5.46%	Conventional, HELOC	12 +8 HELOCs	0.3%	92.3%	$118,333	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	12	0.3%	80%	$1,307,500	View
Usf Credit Union 16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	11 +7 HELOCs	0.3%	100%	$349,545	View
Republic Bank & Trust 12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91%	Conventional, Jumbo, HELOC	10 +26 HELOCs	0.3%	71.4%	$446,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, Jumbo, HELOC	10 +3 HELOCs	0.3%	90.9%	$1,159,000	View
Valley National Bank 19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76%	Conventional, VA, Jumbo, HELOC	9 +16 HELOCs	0.2%	66.7%	$796,111	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	9 +16 HELOCs	0.2%	64.3%	$588,333	View
American Momentum Bank 1001 S Fort Harrison Ave, Clearwater, FL 33756 A5.0 ★Texas Ratio: 12.55%	Conventional	7	0.2%	77.8%	$276,428	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	6	0.2%	66.7%	$350,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	5 +3 HELOCs	0.1%	62.5%	$101,000	View
BMO Harris Bank NA 5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.1%	100%	$983,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	5	0.1%	83.3%	$529,000	View
Cogent Bank 1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54%	Conventional	5	0.1%	100%	$359,000	View
VyStar Credit Union 16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56%	Conventional, Jumbo	5	0.1%	85.7%	$527,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	4 +18 HELOCs	0.1%	66.7%	$542,500	View
Ithink Financial Credit Union 790 Park of Commerce Blvd, Boca Raton, FL 33487 A+5.0 ★Texas Ratio: 5.06%	Conventional, HELOC	4 +4 HELOCs	0.1%	100%	$227,500	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	3 +12 HELOCs	0.1%	75%	$588,333	View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	Conventional, Jumbo, HELOC	3 +10 HELOCs	0.1%	50%	$691,666	View
Radifi Federal Credit Union 801 Atlantic Blvd, Atlantic Beach, FL 32233	Conventional	3	0.1%	100%	$595,000
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	3	0.1%	100%	$2,225,000	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional, VA, HELOC	2 +1 HELOCs	0.1%	100%	$545,000	View
Bny Mellon, N.A. 350 E Las Olas Blvd Ste 1400, Fort Lauderdale, FL 33301 A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	2	0.1%	100%	$1,285,000	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional	2	0.1%	66.7%	$285,000	View
Climate First Bank 2755 E Orange Ave, Eustis, FL 32726 A+5.0 ★Texas Ratio: 1.15%	Conventional, Jumbo	2	0.1%	66.7%	$870,000	View
The Central Trust Bank 3701 Tamiami Trl N, Naples, FL 34103 A+5.0 ★Texas Ratio: 3.12%	Conventional, Jumbo	2	0.1%	100%	$775,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0%	100%	$2,305,000	View
Florida Credit Union 10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76%	Conventional, HELOC	1 +2 HELOCs	0%	33.3%	$85,000	View
Renasant Bank 16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	100%	$1,635,000	View
Hsbc Bank USA, NA 2950 Aventura Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	100%	$1,255,000	View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$405,000	View
Partners Federal Credit Union 5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0%	100%	$355,000	View
Servisfirst Bank 316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75%	Conventional, Jumbo	1	0%	100%	$6,805,000	View
Crews Bank & Trust 400 N Brevard Ave, Arcadia, FL 34266 A+5.0 ★Texas Ratio: 0.31%	Conventional	1	0%	50%	$375,000	View
Amerant Mortgage LLC 3001 Aventura Blvd, Aventura, FL 33180 B+4.7 ★Texas Ratio: 18.65%	Conventional	1	0%	100%	$265,000	View
Helm Bank USA 999 Brickell Ave, Miami, FL 33131 A5.0 ★Texas Ratio: 10.01%	Conventional	1	0%	100%	$485,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional	1	0%	100%	$805,000	View
Publix Employees Federal Credit Union 482 E Altamonte Dr Ste 1010, Altamonte Springs, FL 32701 4604 A+5.0 ★Texas Ratio: 2.50%	Conventional	1	0%	100%	$285,000	View
Prime Meridian Bank 2201 Crawfordville Hwy, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.17%	Conventional	1	0%	100%	$525,000	View
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	42	1.1%	77.6%	$384,285
The Mortgage Firm	Conventional, FHA, VA, Jumbo	41	1%	100%	$387,926
Acrisure Mortgage, LLC	Conventional, FHA, VA	27	0.7%	96.7%	$482,037
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	14	0.4%	82.4%	$503,571	View
Lakeview Loan Servicing, LLC	Conventional, FHA, VA, Jumbo	9	0.2%	37.5%	$378,333
New Day Financial, LLC.	VA	8	0.2%	56.2%	$337,500
Bayfirst Financial A5.0 ★Texas Ratio: 10.20%	Conventional, Jumbo, HELOC	7 +32 HELOCs	0.2%	53.8%	$276,428	View
Americas Mortgage Professionals, LLC	Conventional, FHA	4	0.1%	80%	$267,500
Reliable Holdings Manager dba Lendz Financial	Conventional	3	0.1%	60%	$418,333
PHH Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$190,000
American Bancshares Mortgage, LLC	Conventional	2	0.1%	100%	$405,000
Builders Choice Mortgage LLC	Conventional	2	0.1%	100%	$300,000
LoanFlight Lending, LLC.	Conventional	2	0.1%	100%	$460,000
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional	1	0%	100%	$555,000
Alkan Mortgage Corporation	Conventional	1	0%	100%	$265,000
Milo Credit, LLC	Conventional	1	0%	100%	$475,000
DG Pinnacle Funding, LLC	FHA	1	0%	100%	$435,000
Fairway Funding Group, Inc	Conventional	1	0%	100%	$325,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	475 +14 HELOCs	12.1%	85.3%	$380,936
Rocket Mortgage	Conventional, FHA, VA, Jumbo	362	9.2%	77%	$266,961
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	160 +12 HELOCs	4.1%	96.4%	$439,812
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	111	2.8%	80.1%	$413,558
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA, Jumbo	71	1.8%	67.6%	$341,760	View
Homeowners Financial Group, LLC	Conventional, FHA, VA, Jumbo	71	1.8%	95.9%	$499,084
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	69 +6 HELOCs	1.8%	90.9%	$435,724
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	58 +29 HELOCs	1.5%	71.6%	$321,724
Everett Financial, Inc.	Conventional, FHA, Jumbo	48	1.2%	92.3%	$366,458
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, Jumbo, HELOC	45 +4 HELOCs	1.1%	96.4%	$420,555	View
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	43 +2 HELOCs	1.1%	68.3%	$245,000
Nfm, Inc	Conventional, FHA, VA, Jumbo	43	1.1%	97.7%	$485,930
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA, Jumbo, HELOC	40 +3 HELOCs	1%	95.2%	$347,000
Nationstar Mortgage	Conventional, FHA, VA	40	1%	73.7%	$204,750
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	37 +2 HELOCs	0.9%	97.7%	$397,972
Gershman Investment Corp.	Conventional, FHA, VA, Jumbo	37	0.9%	90.7%	$410,135
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo, HELOC	35 +1 HELOCs	0.9%	87.5%	$416,714
VanDyk Mortgage Corporation	Conventional, FHA, VA	33	0.8%	94.3%	$303,787
Mortgage Research Center	Conventional, FHA, VA, Jumbo	31	0.8%	52.5%	$449,838
The Loan Store, Inc	Conventional, FHA, VA, HELOC	27 +12 HELOCs	0.7%	81.6%	$349,074
JMAC Lending, Inc.	Conventional, FHA, VA	27	0.7%	100%	$415,370
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	25	0.6%	89.3%	$887,000	View
Waterstone Mortgage Corporation	Conventional, FHA, VA, Jumbo	24	0.6%	100%	$350,833
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA, VA	24	0.6%	88.9%	$382,083	View
American Financial Network, Inc.	Conventional, FHA, Jumbo	23	0.6%	82.8%	$459,782
Click n' Close, Inc.	Conventional, FHA, VA	23	0.6%	100%	$258,043
Legend Lending Corporation	Conventional, FHA, VA	21	0.5%	100%	$359,285
Paramount Residential Mortgage	Conventional, FHA, VA	21	0.5%	84%	$396,428
New American Funding, LLC.	Conventional, FHA, VA, HELOC	20 +4 HELOCs	0.5%	69%	$354,000
Amerisave Mortgage Company	Conventional, FHA, HELOC	20 +1 HELOCs	0.5%	29.1%	$158,000
Kind Lending, LLC	Conventional, FHA, VA, Jumbo, HELOC	19 +1 HELOCs	0.5%	55.9%	$514,473
Filo Mortgage, LLC	Conventional, FHA, VA	19	0.5%	100%	$455,000
Provident Funding Associates	Conventional	19	0.5%	95.2%	$458,157
Mutual of Omaha Mortgage	Conventional, FHA	19	0.5%	69%	$302,894
Cornerstone First Mortgage, LLC	Conventional, FHA, VA, Jumbo	18	0.5%	100%	$434,444
Zillow Home Loans, LLC	Conventional, FHA, VA	18	0.5%	100%	$345,555
American Financial Resources LLC	Conventional, FHA, VA, Jumbo	17	0.4%	100%	$321,470
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA	17	0.4%	94.4%	$362,058	View
Spring Eq, LLC	Conventional, HELOC	16 +14 HELOCs	0.4%	37.5%	$111,875
Lake Michigan Credit Union	Conventional, Jumbo, HELOC	16 +3 HELOCs	0.4%	94.4%	$844,375
EMM Loans LLC	Conventional, FHA, VA	16	0.4%	94.1%	$375,000
Plaza Home Mortgage, Inc	Conventional, FHA, VA, Jumbo	15	0.4%	88.2%	$318,333
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	14 +3 HELOCs	0.4%	87.5%	$332,142
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	14	0.4%	93.3%	$280,714	View
Top Flite Financial, Inc.	Conventional, FHA	14	0.4%	87.5%	$315,000
Nbkc Bank	Conventional, VA, Jumbo	12	0.3%	85.7%	$475,833
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA, VA, Jumbo	12	0.3%	70.6%	$414,166	View
Resicentral LLC	Conventional	11	0.3%	86.7%	$427,727
HomeBridge Financial Services, Inc	Conventional, FHA, VA, Jumbo, HELOC	10 +15 HELOCs	0.3%	76.9%	$465,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	10	0.3%	85.7%	$351,000
Select Lending Services, LLC	Conventional, VA, Jumbo	10	0.3%	100%	$498,000
Cardinal Financial Company, Li	Conventional, FHA	10	0.3%	81.2%	$386,000
Tjc Mortgage Inc	Conventional, VA, Jumbo	10	0.3%	100%	$629,000
Better Mortgage Corporation	Conventional, FHA, Jumbo	10	0.3%	71.4%	$470,000
Leaderone Financial Corp.	Conventional	10	0.3%	76.9%	$323,000
Synovus Bank	Conventional, FHA, HELOC	9 +5 HELOCs	0.2%	90%	$313,888
Discover Bank	Conventional	9	0.2%	21.4%	$71,666
Sun West Mortgage Company, Inc	Conventional, FHA, VA	9	0.2%	75%	$506,111
Securitynational Mortgage Company	Conventional, FHA	9	0.2%	81.8%	$192,777
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	8 +1 HELOCs	0.2%	88.9%	$493,750
Equity Prime Mortgage LLC	Conventional, FHA, VA	8	0.2%	61.5%	$381,250
AmeriHome Mortgage Company, LLC	Conventional, FHA, Jumbo	8	0.2%	66.7%	$450,000
BoxCar Mortgage, LLC	Conventional, FHA, VA	8	0.2%	100%	$436,250
American Pacific Mortgage Corporation	Conventional, VA	8	0.2%	88.9%	$365,000
ClearEdge Lending LLC	Conventional, Jumbo	8	0.2%	88.9%	$781,250
DFCU Financial	Conventional, HELOC	7 +16 HELOCs	0.2%	87.5%	$447,857
Cadence Bank	Conventional, Jumbo	7	0.2%	100%	$536,428
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	7	0.2%	87.5%	$873,571	View
Preferred Lending Services, LLC	Conventional, FHA	7	0.2%	100%	$299,285
Point Mortgage Corp	Conventional, FHA	7	0.2%	100%	$287,857
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	7	0.2%	70%	$460,714	View
Planet Home Lending, LLC	Conventional, FHA	7	0.2%	70%	$260,714
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	7	0.2%	100%	$365,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	7	0.2%	87.5%	$502,142	View
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	Conventional, FHA, Jumbo	6	0.2%	100%	$1,140,000	View
Sage Home Loans Corporation	Conventional	6	0.2%	75%	$346,666
New Fed Mortgage Corp.	Conventional, FHA, VA	6	0.2%	100%	$385,000
Towne Mortgage Company	Conventional, FHA	6	0.2%	100%	$388,333
V.I.P. Mortgage, Inc.	Conventional, FHA	6	0.2%	100%	$353,333
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	6	0.2%	45.8%	$215,000	View
Champions Funding, LLC	Conventional	6	0.2%	100%	$408,333
Village Capital & Investment	FHA, VA	6	0.2%	72.7%	$513,333
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	6	0.2%	100%	$425,000
Goodleap, LLC	FHA, VA, HELOC	5 +9 HELOCs	0.1%	61.5%	$221,000
Royal United Mortgage LLC	Conventional	5	0.1%	62.5%	$171,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	5	0.1%	100%	$283,000	View
Go Mortgage, LLC	Conventional, FHA	5	0.1%	100%	$257,000
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional, Jumbo	5	0.1%	71.4%	$357,000	View
Guild Mortgage Company	Conventional, FHA, VA	5	0.1%	100%	$415,000
AdvantageFirst Lending Inc	FHA, VA, Jumbo	5	0.1%	83.3%	$445,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, Jumbo	5	0.1%	75%	$591,000	View
Michigan Mutual, Inc	Conventional	5	0.1%	85.7%	$501,000
American Heritage Lending, LLC	Conventional, Jumbo	5	0.1%	100%	$523,000
Embrace Home Loans, Inc.	Conventional, VA, Jumbo	5	0.1%	100%	$677,000
Lendsure Mortgage Corp.	Conventional	5	0.1%	85.7%	$425,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA	5	0.1%	83.3%	$349,000
Keystone Funding, Inc	Conventional, VA	5	0.1%	100%	$553,000
Nmsi, Inc.	Conventional, FHA	5	0.1%	100%	$603,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	5	0.1%	100%	$925,000	View
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo	5	0.1%	100%	$839,000	View
21St Mortgage	Conventional	5	0.1%	55.6%	$117,000
Nexera Holding LLC	Conventional, Jumbo	5	0.1%	83.3%	$259,000
First Community Mortgage, Inc.	Conventional, VA	4	0.1%	88.9%	$532,500
Primelending	Conventional, FHA	4	0.1%	100%	$377,500
Atlantic Coast Mortgage, LLC	Conventional	4	0.1%	100%	$322,500
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA	4	0.1%	100%	$375,000	View
Grace Home Lending, LLC	Conventional	4	0.1%	100%	$500,000
Homestead Funding Corp.	Conventional, FHA	4	0.1%	80%	$420,000
NJ Lenders Corp	Conventional, FHA	4	0.1%	100%	$302,500
Success Mortgage Partners, Inc	Conventional, FHA, VA	4	0.1%	100%	$312,500
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	4	0.1%	100%	$537,500	View
Stockton Mortgage Corporation	Conventional, FHA	4	0.1%	66.7%	$310,000
Nations Direct Mortgage, LLC	Conventional, FHA, VA	4	0.1%	100%	$397,500
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA, Jumbo	4	0.1%	100%	$422,500
Tomo Mortgage LLC	Conventional	4	0.1%	83.3%	$395,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.1%	100%	$655,000	View
Arc Home LLC	Conventional	3	0.1%	100%	$298,333
Genisys Credit Union	Conventional, Jumbo	3	0.1%	100%	$521,666
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	3	0.1%	60%	$548,333	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	3	0.1%	100%	$485,000
Union Savings Bank	Conventional, Jumbo	3	0.1%	100%	$1,851,666
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional, FHA, Jumbo	3	0.1%	75%	$598,333	View
Genway Home Mortgage, Inc.	Conventional, FHA	3	0.1%	75%	$258,333
Citadel Servicing Corporation	Conventional, Jumbo	3	0.1%	100%	$1,015,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	3	0.1%	100%	$298,333	View
Pentagon Federal Credit Union	VA, HELOC	2 +7 HELOCs	0.1%	33.3%	$535,000
AmWest Funding Corp	Conventional, VA, HELOC	2 +1 HELOCs	0.1%	66.7%	$325,000
Total Mortgage Services, LLC	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$400,000
Cliffco, Inc.	Conventional, FHA	2	0.1%	100%	$415,000
Residential Wholesale Mortgage	Conventional, FHA	2	0.1%	100%	$450,000
Canopy Mortgage, LLC	Conventional	2	0.1%	100%	$220,000
Envoy Mortgage, Ltd	Conventional, FHA	2	0.1%	100%	$295,000
All Credit Considered Mortgage, Inc.	Conventional, Jumbo	2	0.1%	100%	$1,015,000
Loansteady LLC	Conventional	2	0.1%	100%	$580,000
Norwich Commercial Group Inc	Conventional, FHA	2	0.1%	50%	$165,000
Loanunited.Com, LLC	Conventional, FHA	2	0.1%	100%	$395,000
Advancial Federal Credit Union	Conventional, Jumbo	2	0.1%	100%	$900,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional, FHA	2	0.1%	66.7%	$200,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, FHA	2	0.1%	100%	$315,000	View
Sfmc, LP	Conventional	2	0.1%	66.7%	$360,000
Das Acquisition Company, LLC	Conventional	2	0.1%	100%	$325,000
Credit Human Federal Credit Un	Conventional	2	0.1%	66.7%	$165,000
American Financing Corporation	FHA	2	0.1%	46.2%	$300,000
ClearPath Lending	VA	2	0.1%	100%	$445,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$530,000	View
Bay Equity LLC	Conventional, FHA	2	0.1%	66.7%	$430,000
Mid-Continent Funding, Inc.	VA	2	0.1%	66.7%	$345,000
First Heritage Mortgage, LLC	Conventional, FHA	2	0.1%	66.7%	$305,000
Capital Center LLC	Conventional	2	0.1%	100%	$250,000
Atlantic Bay Mortgage Group	Conventional	2	0.1%	100%	$270,000
Churchill Mortgage Corporation	Conventional	2	0.1%	66.7%	$280,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	2	0.1%	100%	$85,000	View
T2 Financial LLC	Conventional, FHA	2	0.1%	66.7%	$290,000
Mortgage Center LC	Conventional, Jumbo	2	0.1%	100%	$605,000
Warsaw Federal Savings and Loan Association A5.0 ★Texas Ratio: 10.25%	Conventional, Jumbo	2	0.1%	100%	$585,000	View
Saygo Home Loans, LLC	FHA, VA	2	0.1%	100%	$275,000
Iserve Residential Lending	Conventional	2	0.1%	100%	$370,000
Gulf Coast Bank and Trust	Conventional	2	0.1%	100%	$285,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0.1%	100%	$115,000
TowneBank	Conventional, FHA	2	0.1%	100%	$410,000
Summit Funding.Inc	Conventional	2	0.1%	100%	$525,000
Prosperity Home Mortgage, LLC	Conventional, VA	2	0.1%	100%	$425,000
First Financial Bank A+5.0 ★Texas Ratio: 3.21%	Conventional, Jumbo	2	0.1%	100%	$825,000	View
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	2	0.1%	66.7%	$500,000
Compass Mortgage, Inc.	Conventional	2	0.1%	100%	$275,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	2	0.1%	66.7%	$440,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.1%	33.3%	$40,000
Reliance First Capital, LLC	Conventional	2	0.1%	100%	$340,000
Texana Bank	Conventional, FHA	2	0.1%	100%	$180,000
Vista Point Mortgage, LLC	Conventional	2	0.1%	66.7%	$170,000
Bank Ozk	Conventional, HELOC	1 +12 HELOCs	0%	33.3%	$415,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +10 HELOCs	0%	100%	$275,000	View
Usalliance Federal Credit Union	Conventional, HELOC	1 +6 HELOCs	0%	100%	$95,000
Valon Mortgage	Conventional, HELOC	1 +5 HELOCs	0%	50%	$335,000
Fourleaf Federal Credit Union	Conventional, HELOC	1 +4 HELOCs	0%	100%	$95,000
American Airlines Federal Cred	Conventional, HELOC	1 +3 HELOCs	0%	100%	$465,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$655,000	View
Southpoint Bank	Conventional	1	0%	100%	$375,000
Equity Resources Inc	Conventional	1	0%	100%	$375,000
Alameda Mortgage Corporation	Conventional	1	0%	100%	$155,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0%	100%	$2,505,000	View
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0%	100%	$385,000	View
TrustBank A5.0 ★Texas Ratio: 13.67%	Conventional	1	0%	100%	$225,000	View
Primary Residential Mortgage, INC.	Conventional	1	0%	100%	$785,000
Mjw Financial LLC dba Mjw Mortgage	FHA	1	0%	100%	$345,000
Greenstate Credit Union	Conventional	1	0%	100%	$355,000
Affordable Mortgage Advisors	Conventional	1	0%	100%	$495,000
Atlantic Union Bank A+5.0 ★Texas Ratio: 2.51%	VA	1	0%	100%	$425,000	View
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional	1	0%	100%	$175,000	View
NOVA Financial & Investment Corporation	FHA	1	0%	100%	$385,000
ALCOVA Mortgage, LLC	VA	1	0%	100%	$525,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0%	33.3%	$95,000	View
Deephaven Mortgage LLC	Conventional	1	0%	50%	$395,000
Home Mortgage Alliance Corp (Hmac)	VA	1	0%	33.3%	$125,000
Synergy One Lending, Inc.	Conventional	1	0%	50%	$265,000
Diamond Residential Mtg Corp	Conventional	1	0%	100%	$175,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0%	100%	$375,000	View
Redwood Residential Acquisition Corporation	Conventional	1	0%	100%	$265,000
HomeXpress Mortgage Corp.	Conventional	1	0%	33.3%	$205,000
Mortgage 1 Incorporated	Conventional	1	0%	100%	$485,000
MortgageCountry	Conventional	1	0%	100%	$275,000
Bayshore Mortgage Funding	Conventional	1	0%	100%	$315,000
AAFMAA Mortgage Services LLC	Conventional	1	0%	100%	$215,000
First Alliance Home Mortgage, LLC	FHA	1	0%	100%	$345,000
Summit Mortgage Bankers, Inc.	Conventional	1	0%	100%	$355,000
Intercap Lending Inc	FHA	1	0%	100%	$315,000
Intercoastal Mortgage, LLC A+5.0 ★Texas Ratio: 0.40%	Conventional	1	0%	50%	$375,000	View
First Savings Mortgage Corporation	Conventional	1	0%	100%	$465,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0%	100%	$415,000	View
Nextmortgage, LLC	Conventional	1	0%	50%	$295,000
Flat Branch Mortgage, Inc.	Conventional	1	0%	100%	$135,000
Acu	Conventional	1	0%	100%	$55,000
SIRVA Mortgage, Inc.	Conventional	1	0%	100%	$775,000
First Colony Mortgage Corporat	Conventional	1	0%	66.7%	$345,000
Aurora Financial, LLC	Conventional	1	0%	100%	$305,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0%	100%	$405,000
Weichert Financial Services	Conventional	1	0%	100%	$335,000
Greenbox Loans	Conventional	1	0%	100%	$325,000
Calcon Mutual Mortgage LLC	Conventional	1	0%	50%	$555,000
My Mortgage, Inc	Conventional	1	0%	100%	$305,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0%	100%	$285,000	View
Stg Mortgage Inc	Conventional	1	0%	100%	$155,000
Guardian Savings Bank A+5.0 ★Texas Ratio: 1.35%	Conventional	1	0%	100%	$285,000	View
Access Bank A+5.0 ★Texas Ratio: 3.62%	Conventional, Jumbo	1	0%	100%	$1,305,000	View
Southeast Mortgage of Georgia, Inc.	FHA	1	0%	100%	$325,000
Ony Glo, Inc.	Conventional	1	0%	100%	$345,000
Axos Bank A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	1	0%	50%	$1,005,000	View
Universal Lending Corporation	FHA	1	0%	100%	$305,000

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

St. Petersburg Mortgage Rate Trends

Daily average mortgage rates for Florida compared with the national average, updated every evening.

30-Year Fixed FL Avg

7.306%

▲ 0.071 vs 7 days ago

15-Year Fixed FL Avg

6.730%

▲ 0.011 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in St. Petersburg, Florida

Looking for mortgage lenders near me or mortgage brokers near me in St. Petersburg? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Petersburg in 2025, with lenders based there listed first.

Types of Mortgage Lenders in St. Petersburg, FL

Use these to narrow the list above. Each category shows how many St. Petersburg, FL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 181 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 89 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 30 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 115 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 80 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 97 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 44 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in St. Petersburg, FL

Independent mortgage companies closed 71.2 percent of home loans in St. Petersburg, Florida in 2025, banks 20.3 percent and credit unions 8.5 percent. Freedom Mortgage Corporation was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Suncoast Credit Union the largest credit union. Among lenders headquartered in Florida, Suncoast Credit Union led with 49 loans.

71.2%

Mortgage companies

20.3%

Banks

8.5%

Credit unions

13%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.

More Florida Mortgage Lender Pages

All Florida lenders 1,647 lenders Jacksonville 444 lenders Port St. Lucie 359 lenders Cape Coral 422 lenders Tampa 363 lenders Lehigh Acres 298 lenders Orlando 345 lenders St. Cloud 266 lenders Palm Bay 258 lenders Spring Hill 261 lenders Tallahassee 233 lenders Lakewood Ranch 319 lenders Wesley Chapel 255 lenders

Frequently Asked Questions About Mortgage Lenders in St. Petersburg, FL

Who is the largest mortgage lender in St. Petersburg, FL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in St. Petersburg, Florida with 70 loans, about 1.8 percent of the market. The largest lender headquartered in Florida was Suncoast Credit Union with 49 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in St. Petersburg, FL have the highest approval rates?

Among lenders with meaningful volume in St. Petersburg, Florida, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 96.4 percent, against a 79.2 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which St. Petersburg, FL mortgage lenders offer FHA, VA and USDA loans?

115 lenders closed FHA loans in St. Petersburg, Florida in 2025, led by United Wholesale Mortgage with 96. 80 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this St. Petersburg, FL lender list?

Yes. 89 banks and 30 credit unions closed home loans in St. Petersburg, Florida in 2025, alongside 181 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in St. Petersburg, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in St. Petersburg, Florida during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in St. Petersburg, Florida for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up St. Petersburg. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.