Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Ocala

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 Lenders15

Total Loans7,201

Median Rate Spread0.38%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,585Fees	0.265%Above	47
2	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,213Fees	0.091%Above	64
3	Citizens First BankBank	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,268Fees	0.456%Above	57
4	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,730Fees	0.008%Above	43
5	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,490Fees	0.323%Above	81
6	First Federal BankBank	Strong	Strong	Strong	Sound	Strong	$1,430Fees	0.182%Above	77
7	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,308Fees	0.179%Above	71
8	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,445Fees	0.269%Above	35
9	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,652Fees	0.318%Above	90
10	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,080Fees	0.580%Above	76
11	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,930Fees	0.489%Above	36
12	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$1,409Fees	0.212%Above	18
13	Seacoast National BankBank	Strong	Sound	Sound	Sound	Sound	$3,660Fees	0.077%Above	22
14	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,703Fees	0.036%Above	20
15	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Sound	$3,597Fees	0.712%Above	24

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.