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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 Company Lenders in Gainesville
Updated February 5, 2026
Market Overview
23
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,581 | +0.022% | 11 | |
2 | Advisors Mortgage Group, L.L.C. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,341 | +0.111% | 99 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,518 | +0.214% | 252 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,271 | +0.283% | 222 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,496 | +0.169% | 39 | |
6 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,972 | +0.407% | 132 | |
7 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,628 | +0.279% | 99 | |
8 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,515 | +0.345% | 55 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,714 | +0.401% | 40 | |
10 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Sound | $1,832 | +0.443% | 12 | |
11 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,543 | +0.574% | 33 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,958 | +0.531% | 20 | |
13 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,067 | +0.695% | 19 | |
14 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,704 | +0.443% | 19 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,012 | +0.384% | 14 | |
16 | Mortgage Lenders Investment Trading Corporation | Strong | Mediocre | Strong | Strong | Exceptional | $3,983 | +0.672% | 128 | |
17 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,721 | -0.088% | 52 | |
18 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,425 | +0.705% | 28 | |
19 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,091 | +0.456% | 22 | |
20 | THE MORTGAGE FIRM, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,881 | +0.374% | 39 | |
21 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,068 | +0.537% | 34 | |
22 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,467 | +0.741% | 27 | |
23 | 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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