Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Tampa

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 Loans34,175

Median Rate Spread0.28%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$697Fees	0.064%Above	257
2	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,005Fees	0.052%Below	219
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,374Fees	0.035%Below	182
4	TrustCo BankBank	Exceptional	Exceptional	Strong	Sound	Strong	$1,326Fees	0.236%Below	95
5	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,873Fees	0.003%Above	206
6	HANCOCK WHITNEY BANKBank	Exceptional	Strong	Strong	Strong	Strong	$1,788Fees	0.027%Below	105
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,431Fees	0.162%Above	479
8	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,217Fees	0.049%Above	112
9	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$3,170Fees	0.286%Above	107
10	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$591Fees	0.088%Above	74
11	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,215Fees	0.111%Above	413
12	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,291Fees	0.435%Above	174
13	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,916Fees	0.527%Above	153
14	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,778Fees	0.226%Below	97

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.