Safe Rate Rankings

Best Jumbo Mortgage Bank Lenders in Orlando

Updated May 31, 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 Lenders248

Total Loans34,597

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	Exceptional	Exceptional	Strong	Strong	$2,375Fees	0.087%Below	289
2	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,713Fees	0.132%Below	222
3	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,256Fees	0.079%Above	111
4	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,117Fees	0.071%Above	269
5	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$549Fees	0.005%Above	141
6	TrustCo BankBank	Exceptional	Exceptional	Strong	Sound	Strong	$1,286Fees	0.336%Below	87
7	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,713Fees	0.143%Above	727
8	Regions BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,868Fees	0.277%Above	179
9	TD Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,223Fees	0.246%Above	88
10	PNC Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,913Fees	0.143%Above	75
11	SouthState Bank, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,188Fees	0.196%Above	270
12	Flagstar Bank, N.A.Bank	Sound	Mediocre	Exceptional	Sound	Strong	$3,440Fees	0.394%Above	324

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.