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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

Total Lenders

2,068

Total Loans

0.30%

Median Rate Spread

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

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Gainesville, GAConventional

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