Safe Rate Rankings

Best Conventional Mortgage Lenders in Gainesville

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 Lenders48

Total Loans2,610

Median Rate Spread0.19%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	CAMPUS USA CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$780Fees	0.020%Below	178
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$943Fees	0.770%Below	29
3	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,581Fees	0.022%Above	11
4	Ameris BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,826Fees	0.194%Above	141
5	Advisors Mortgage Group, L.L.C.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,341Fees	0.111%Above	99
6	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,805Fees	0.096%Below	26
7	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,741Fees	0.015%Below	25
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,518Fees	0.214%Above	252
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,271Fees	0.283%Above	222
10	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,922Fees	0.298%Above	35
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,693Fees	0.078%Above	26
12	First National Bank of PennsylvaniaBank	Strong	Strong	Exceptional	Strong	Acceptable	$1,108Fees	0.045%Below	10
13	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,496Fees	0.169%Above	39
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,876Fees	0.342%Above	33
15	MIDFLORIDACredit Union	Strong	Strong	Strong	Sound	Sound	$1,684Fees	0.048%Below	15
16	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$3,273Fees	0.401%Above	15
17	AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,972Fees	0.407%Above	132
18	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,628Fees	0.279%Above	99
19	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,515Fees	0.345%Above	55
20	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,714Fees	0.401%Above	40
21	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$1,391Fees	0.109%Above	33
22	FLORIDACredit Union	Strong	Strong	Sound	Acceptable	Strong	$1,451Fees	0.694%Below	29
23	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,832Fees	0.443%Above	12
24	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,543Fees	0.574%Above	33
25	Seacoast National BankBank	Strong	Sound	Sound	Sound	Strong	$1,607Fees	0.012%Below	32
26	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,958Fees	0.531%Above	20
27	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,067Fees	0.695%Above	19
28	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,704Fees	0.443%Above	19
29	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,987Fees	0.303%Above	19
30	VYSTAR CREDIT UNIONCredit Union	Strong	Sound	Strong	Sound	Sound	$1,859Fees	0.366%Above	18
31	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,012Fees	0.384%Above	14
32	Mortgage Lenders Investment Trading CorporationIndependent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$3,983Fees	0.672%Above	128
33	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,721Fees	0.088%Below	52
34	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,425Fees	0.705%Above	28
35	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,091Fees	0.456%Above	22
36	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,628Fees	0.102%Below	16
37	Radiant Credit UnionCredit Union	Strong	Strong	Acceptable	Acceptable	Sound	$1,004Fees	0.400%Above	13
38	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$2,881Fees	0.374%Above	39
39	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,068Fees	0.537%Above	34
40	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,467Fees	0.741%Above	27
41	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$3,804Fees	0.102%Below	48

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.