Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Punta Gorda

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 Lenders14

Total Loans3,909

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	Strong	Exceptional	Sound	Strong	$1,947Fees	0.256%Above	45
2	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,740Fees	0.148%Above	28
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,153Fees	0.170%Above	19
4	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,640Fees	0.091%Above	17
5	TrustCo BankBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,091Fees	0.214%Below	17
6	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,838Fees	0.396%Above	17
7	PNC Bank, National AssociationBank	Strong	Strong	Exceptional	Strong	Acceptable	$1,325Fees	0.051%Below	10
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,625Fees	0.562%Above	38
9	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,213Fees	0.316%Above	39
10	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,366Fees	0.403%Above	32
11	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,579Fees	0.426%Above	12
12	Ixonia BankBank	Strong	Mediocre	Exceptional	Strong	Strong	$3,936Fees	0.439%Above	42
13	GRANITE BANKBank	Strong	Acceptable	Strong	Strong	Sound	$4,261Fees	0.386%Above	14
14	Seacoast National BankBank	Strong	Sound	Sound	Sound	Sound	$1,735Fees	0.476%Above	10

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.