Safe Rate Rankings

Best USDA 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.
Total Lenders5
Total Loans290,958
Median Rate Spread0.31%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Plains Commerce BankBank
Exceptional
Strong
Exceptional
Sound
Exceptional
$3,381Fees
0.426%Above
1,767
2
University BankBank
Exceptional
Strong
Exceptional
Strong
Strong
$2,326Fees
0.092%Above
796
3
Ameris BankBank
Strong
Sound
Exceptional
Strong
Strong
$2,570Fees
0.236%Above
1,655
4
First Federal BankBank
Strong
Exceptional
Sound
Mediocre
Strong
$1,711Fees
0.052%Below
651
5
Regions BankBank
Strong
Acceptable
Exceptional
Sound
Exceptional
$2,339Fees
0.216%Above
2,282

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.