Safe Rate Rankings

Best Conventional Mortgage Lenders in Gainesville

Updated May 26, 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 Lenders53

Total Loans2,068

Median Rate Spread0.30%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$630Fees	0.001%Above	56
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$752Fees	0.913%Below	12
3	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,954Fees	0.053%Above	12
4	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,558Fees	0.242%Below	122
5	DELTA COMMUNITY CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Sound	Sound	$1,585Fees	0.519%Below	18
6	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,346Fees	0.147%Below	14
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,521Fees	0.200%Above	260
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,609Fees	0.266%Above	230
9	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,557Fees	0.301%Above	76
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,553Fees	0.454%Below	45
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,985Fees	0.022%Above	21
12	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$3,508Fees	0.077%Above	20
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,924Fees	0.345%Above	125
14	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$3,728Fees	0.276%Above	39
15	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,052Fees	0.356%Above	23
16	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,875Fees	0.690%Above	44
17	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,218Fees	0.220%Above	43
18	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,254Fees	0.139%Above	38
19	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,526Fees	0.259%Above	21
20	NexBankBank	Strong	Sound	Strong	Strong	Sound	$2,876Fees	0.221%Above	16
21	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,486Fees	1.140%Above	46
22	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,160Fees	0.396%Above	45
23	HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,920Fees	0.364%Above	44
24	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,166Fees	0.791%Above	29
25	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,718Fees	0.372%Above	27
26	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,210Fees	0.497%Above	26
27	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,208Fees	0.621%Above	20
28	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,448Fees	0.301%Above	19
29	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,282Fees	0.258%Above	18
30	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,450Fees	0.721%Above	18
31	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,601Fees	0.210%Above	16
32	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,196Fees	0.511%Above	13
33	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,916Fees	0.503%Above	12
34	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,954Fees	0.531%Above	12
35	MORTGAGE ASSURANCE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,308Fees	0.222%Above	12
36	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,990Fees	0.829%Above	56
37	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,411Fees	0.493%Above	49
38	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,006Fees	0.630%Above	14
39	Presidential Bank, FSBBank	Strong	Acceptable	Strong	Strong	Sound	$4,868Fees	0.273%Above	11
40	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,754Fees	0.723%Above	11
41	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,564Fees	0.219%Above	10
42	BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$4,337Fees	0.423%Above	39
43	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$4,016Fees	0.127%Above	21
44	ACOPIA, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$5,014Fees	0.419%Above	16
45	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,747Fees	0.393%Above	11
46	First Option Mortgage, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$4,216Fees	0.908%Above	47
47	Onward Home Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	Sound	$4,039Fees	0.434%Above	11
48	GUARANTY MORTGAGE SERVICES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	Strong	$3,977Fees	0.461%Above	30
49	SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$4,262Fees	0.436%Above	23

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.