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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 Mortgage Company Lenders in Gainesville
Updated February 5, 2026
Market Overview
24
Total Lenders
1,734
Total Loans
0.36%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,521 | +0.200% | 260 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $2,558 | -0.242% | 122 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,609 | +0.266% | 230 | |
4 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,924 | +0.345% | 125 | |
5 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,486 | +1.140% | 46 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,553 | -0.454% | 45 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $3,728 | +0.276% | 39 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,254 | +0.139% | 38 | |
9 | GMFS LLC | Strong | Sound | Exceptional | Sound | $3,508 | +0.077% | 20 | |
10 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Exceptional | Strong | $4,337 | +0.423% | 39 | |
11 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $4,718 | +0.372% | 27 | |
12 | Capital City Home Loans, LLC | Strong | Sound | Strong | Sound | $2,526 | +0.259% | 21 | |
13 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $5,990 | +0.829% | 56 | |
14 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,411 | +0.493% | 49 | |
15 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,160 | +0.396% | 45 | |
16 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $5,166 | +0.791% | 29 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $5,210 | +0.497% | 26 | |
18 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $4,016 | +0.127% | 21 | |
19 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,208 | +0.621% | 20 | |
20 | First Option Mortgage, LLC | Sound | Mediocre | Strong | Strong | $4,216 | +0.908% | 47 | |
21 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Sound | Mediocre | Strong | Strong | $4,920 | +0.364% | 44 | |
22 | GUARANTY MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Sound | Strong | $3,977 | +0.461% | 30 | |
23 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | Sound | Mediocre | Strong | 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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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