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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 Bank Mortgage Lenders in Florida
Updated February 6, 2026
Market Overview
19
Total Lenders
44,263
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $356 | -0.414% | 726 | |
2 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,711 | -0.052% | 651 | |
3 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $2,202 | -0.023% | 2,427 | |
4 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,723 | -0.145% | 2,030 | |
5 | Citizens First Bank | Strong | Sound | Exceptional | Exceptional | $1,311 | +0.417% | 1,851 | |
6 | Truist Bank | Strong | Strong | Strong | Strong | $1,221 | +0.078% | 1,767 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $910 | +0.042% | 1,658 | |
8 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $831 | +0.071% | 872 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,670 | +0.197% | 4,800 | |
10 | Regions Bank | Strong | Sound | Strong | Exceptional | $2,339 | +0.216% | 2,282 | |
11 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,570 | +0.236% | 1,655 | |
12 | University Bank | Strong | Sound | Exceptional | Strong | $2,326 | +0.092% | 796 | |
13 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $2,520 | +0.231% | 1,255 | |
14 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,584 | +0.108% | 685 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $3,266 | +0.357% | 2,796 | |
16 | Plains Commerce Bank | Strong | Acceptable | Strong | Exceptional | $3,381 | +0.426% | 1,767 | |
17 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,724 | -0.152% | 821 | |
18 | TD Bank, National Association | Strong | Sound | Sound | Strong | $975 | +0.238% | 707 | |
19 | Bank of England | Strong | Acceptable | Strong | Strong | $2,967 | +0.298% | 785 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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