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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 FHA Mortgage Lenders in Gainesville
Updated February 5, 2026
Market Overview
53
Total Lenders
2,068
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,521 | +0.200% | 260 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,558 | -0.242% | 122 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,254 | +0.139% | 38 | |
4 | BANKSOUTH MORTGAGE COMPANY, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,337 | +0.423% | 39 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,728 | +0.276% | 39 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,609 | +0.266% | 230 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,924 | +0.345% | 125 | |
8 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,557 | +0.301% | 76 | |
9 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $630 | +0.001% | 56 | |
10 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,486 | +1.140% | 46 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,553 | -0.454% | 45 | |
12 | United Community Bank | Strong | Sound | Strong | Strong | Strong | $1,875 | +0.690% | 44 | |
13 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,920 | +0.364% | 44 | |
14 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Acceptable | $1,916 | +0.531% | 10 | |
15 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,990 | +0.829% | 56 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,411 | +0.493% | 49 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,718 | +0.372% | 27 | |
18 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,208 | +0.621% | 20 | |
19 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,450 | +0.721% | 18 | |
20 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,954 | +0.531% | 12 | |
21 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,754 | +0.723% | 11 | |
22 | First Option Mortgage, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,216 | +0.908% | 47 | |
23 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,160 | +0.396% | 45 | |
24 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,166 | +0.791% | 29 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,210 | +0.497% | 26 | |
26 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | Sound | Mediocre | Strong | Strong | Sound | $4,262 | +0.436% | 23 | |
27 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | Sound | $5,014 | +0.419% | 16 |
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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