Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Gainesville

Updated February 5, 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 Lenders12

Total Loans2,610

Median Rate Spread0.19%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Ameris BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,826Fees	0.194%Above	141
2	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,805Fees	0.096%Below	26
3	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,741Fees	0.015%Below	25
4	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,922Fees	0.298%Above	35
5	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,693Fees	0.078%Above	26
6	First National Bank of PennsylvaniaBank	Strong	Strong	Exceptional	Strong	Acceptable	$1,108Fees	0.045%Below	10
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,876Fees	0.342%Above	33
8	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$3,273Fees	0.401%Above	15
9	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$1,391Fees	0.109%Above	33
10	Seacoast National BankBank	Strong	Sound	Sound	Sound	Strong	$1,607Fees	0.012%Below	32
11	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,987Fees	0.303%Above	19
12	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,628Fees	0.102%Below	16

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.