Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Florida

Updated February 6, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders19

Total Loans290,958

Median Rate Spread0.31%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$2,202Fees	0.023%Below	2,427
2	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,723Fees	0.145%Below	2,030
3	Citizens First BankBank	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,311Fees	0.417%Above	1,851
4	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,221Fees	0.078%Above	1,767
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$910Fees	0.042%Above	1,658
6	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$356Fees	0.414%Below	726
7	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,670Fees	0.197%Above	4,800
8	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$831Fees	0.071%Above	872
9	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,570Fees	0.236%Above	1,655
10	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,520Fees	0.231%Above	1,255
11	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,584Fees	0.108%Above	685
12	First Federal BankBank	Strong	Strong	Strong	Sound	Strong	$1,711Fees	0.052%Below	651
13	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,266Fees	0.357%Above	2,796
14	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,339Fees	0.216%Above	2,282
15	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,381Fees	0.426%Above	1,767
16	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$975Fees	0.238%Above	707
17	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,724Fees	0.152%Below	821
18	University BankBank	Strong	Acceptable	Strong	Strong	Strong	$2,326Fees	0.092%Above	796
19	Bank of EnglandBank	Strong	Acceptable	Strong	Sound	Strong	$2,967Fees	0.298%Above	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 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.