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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 VA 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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,721 | -0.088% | 52 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,518 | +0.214% | 252 | |
3 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,826 | +0.194% | 141 | |
4 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,628 | +0.279% | 99 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,515 | +0.345% | 55 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,496 | +0.169% | 39 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,016 | +0.242% | 37 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $943 | -0.770% | 29 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,271 | +0.283% | 222 | |
10 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Strong | Strong | Exceptional | $3,341 | +0.111% | 99 | |
11 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,628 | -0.102% | 16 | |
12 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $3,804 | -0.102% | 48 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,543 | -0.086% | 17 | |
14 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,230 | +0.573% | 66 | |
15 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,972 | +0.407% | 132 | |
16 | Mortgage Lenders Investment Trading Corporation | Strong | Mediocre | Strong | Strong | Exceptional | $3,983 | +0.672% | 128 | |
17 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,425 | +0.705% | 28 |
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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