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Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Mortgage Lenders in Gainesville

Updated February 5, 2026

Market Overview

Total Lenders

2,610

Total Loans

0.19%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	CAMPUS USA CREDIT UNION	Exceptional	Exceptional	Exceptional	Exceptional	$780	-0.020%	178
2	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Strong	$2,721	-0.088%	52
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$2,518	+0.214%	252
4	Ameris Bank	Strong	Sound	Exceptional	Exceptional	$2,826	+0.194%	141
5	Advisors Mortgage Group, L.L.C.	Strong	Sound	Exceptional	Exceptional	$3,341	+0.111%	99
6	NAVY FEDERAL CREDIT UNION	Strong	Exceptional	Sound	Sound	$943	-0.770%	29
7	Bank of America, National Association	Strong	Strong	Strong	Sound	$1,805	-0.096%	26
8	Truist Bank	Strong	Strong	Strong	Sound	$1,741	-0.015%	25
9	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,271	+0.283%	222
10	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$3,515	+0.345%	55
11	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$2,496	+0.169%	39
12	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$2,016	+0.242%	37
13	SouthState Bank, National Association	Strong	Sound	Strong	Strong	$1,922	+0.298%	35
14	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$2,693	+0.078%	26
15	AFFORDABLE MORTGAGE ADVISORS, LLC.	Strong	Acceptable	Strong	Exceptional	$3,972	+0.407%	132
16	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$3,714	+0.401%	40
17	THE MORTGAGE FIRM, INC.	Strong	Acceptable	Exceptional	Strong	$2,881	+0.374%	39
18	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	$2,876	+0.342%	33
19	TD Bank, National Association	Strong	Sound	Sound	Strong	$1,391	+0.109%	33
20	Seacoast National Bank	Strong	Sound	Sound	Strong	$1,607	-0.012%	32
21	FLORIDA	Strong	Strong	Mediocre	Strong	$1,451	-0.694%	29
22	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Strong	Strong	$2,628	+0.279%	99
23	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$2,230	+0.573%	66
24	RMC HOME MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$3,804	-0.102%	48
25	NFM, INC.	Strong	Acceptable	Exceptional	Sound	$2,068	+0.537%	34
26	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Sound	$4,543	+0.574%	33
27	Mortgage Lenders Investment Trading Corporation	Sound	Mediocre	Strong	Exceptional	$3,983	+0.672%	128
28	CROSSCOUNTRY MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	$3,958	+0.531%	20
29	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Sound	$4,425	+0.705%	28
30	EVERETT FINANCIAL, INC.	Sound	Mediocre	Exceptional	Sound	$2,467	+0.741%	27
31	NEWREZ LLC	Sound	Acceptable	Sound	Sound	$2,091	+0.456%	22

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

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