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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 Conventional Mortgage Lenders in Gainesville
Updated February 5, 2026
Market Overview
48
Total Lenders
2,610
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | CAMPUS USA CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $780 | -0.020% | 178 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $943 | -0.770% | 29 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,581 | +0.022% | 11 | |
4 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,826 | +0.194% | 141 | |
5 | Advisors Mortgage Group, L.L.C. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,341 | +0.111% | 99 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,805 | -0.096% | 26 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,741 | -0.015% | 25 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,518 | +0.214% | 252 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,271 | +0.283% | 222 | |
10 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,922 | +0.298% | 35 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,693 | +0.078% | 26 | |
12 | First National Bank of Pennsylvania | Strong | Strong | Exceptional | Strong | Acceptable | $1,108 | -0.045% | 10 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,496 | +0.169% | 39 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,876 | +0.342% | 33 | |
15 | MIDFLORIDA | Strong | Strong | Strong | Sound | Sound | $1,684 | -0.048% | 15 | |
16 | First Federal Bank | Strong | Strong | Strong | Sound | Sound | $3,273 | +0.401% | 15 | |
17 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,972 | +0.407% | 132 | |
18 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,628 | +0.279% | 99 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,515 | +0.345% | 55 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,714 | +0.401% | 40 | |
21 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,391 | +0.109% | 33 | |
22 | FLORIDA | Strong | Strong | Sound | Acceptable | Strong | $1,451 | -0.694% | 29 | |
23 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Sound | $1,832 | +0.443% | 12 | |
24 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,543 | +0.574% | 33 | |
25 | Seacoast National Bank | Strong | Sound | Sound | Sound | Strong | $1,607 | -0.012% | 32 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,958 | +0.531% | 20 | |
27 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,067 | +0.695% | 19 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,704 | +0.443% | 19 | |
29 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,987 | +0.303% | 19 | |
30 | VYSTAR CREDIT UNION | Strong | Sound | Strong | Sound | Sound | $1,859 | +0.366% | 18 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,012 | +0.384% | 14 | |
32 | Mortgage Lenders Investment Trading Corporation | Strong | Mediocre | Strong | Strong | Exceptional | $3,983 | +0.672% | 128 | |
33 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,721 | -0.088% | 52 | |
34 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,425 | +0.705% | 28 | |
35 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,091 | +0.456% | 22 | |
36 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,628 | -0.102% | 16 | |
37 | Radiant Credit Union | Strong | Strong | Acceptable | Acceptable | Sound | $1,004 | +0.400% | 13 | |
38 | THE MORTGAGE FIRM, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,881 | +0.374% | 39 | |
39 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,068 | +0.537% | 34 | |
40 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,467 | +0.741% | 27 | |
41 | RMC HOME MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Strong | $3,804 | -0.102% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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Gainesville, FLConventional
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