Safe Rate Rankings

Best Bank Mortgage Lenders in Orlando

Updated May 25, 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 Lenders248
Total Loans34,597
Median Rate Spread0.31%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
TrustCo BankBank
Exceptional
Exceptional
Sound
Strong
$1,286Fees
0.336%Below
87
2
Citizens First BankBank
Strong
Sound
Exceptional
Exceptional
$1,343Fees
0.394%Above
451
3
Truist BankBank
Strong
Strong
Strong
Strong
$1,117Fees
0.071%Above
269
4
Bank of America, National AssociationBank
Strong
Strong
Strong
Strong
$1,713Fees
0.132%Below
222
5
Fifth Third Bank, National AssociationBank
Strong
Strong
Strong
Strong
$549Fees
0.005%Above
141
6
U.S. Bank National AssociationBank
Strong
Strong
Strong
Strong
$1,256Fees
0.079%Above
111
7
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Exceptional
$2,713Fees
0.143%Above
727
8
Wells Fargo Bank, National AssociationBank
Strong
Strong
Sound
Strong
$2,375Fees
0.087%Below
289
9
City National Bank of FloridaBank
Strong
Strong
Sound
Strong
$2,328Fees
0.693%Below
104
10
PNC Bank, National AssociationBank
Strong
Strong
Strong
Sound
$1,913Fees
0.143%Above
75
11
SouthState Bank, National AssociationBank
Strong
Sound
Strong
Strong
$3,188Fees
0.196%Above
270
12
Regions BankBank
Strong
Sound
Strong
Strong
$1,868Fees
0.277%Above
179
13
USAA Federal Savings BankBank
Strong
Sound
Sound
Strong
$1,507Fees
0.180%Below
99
14
TD Bank, National AssociationBank
Strong
Sound
Sound
Strong
$1,223Fees
0.246%Above
88
15
Flagstar Bank, N.A.Bank
Strong
Acceptable
Strong
Strong
$3,440Fees
0.394%Above
324
16
Plains Commerce BankBank
Strong
Acceptable
Strong
Strong
$3,890Fees
0.372%Above
305
17
Ixonia BankBank
Sound
Mediocre
Strong
Strong
$4,144Fees
0.638%Above
135

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.