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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 Conventional Mortgage Company Lenders in Gainesville
Updated February 5, 2026
Market Overview
38
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,954 | +0.053% | 12 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,558 | -0.242% | 122 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,521 | +0.200% | 260 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,609 | +0.266% | 230 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,553 | -0.454% | 45 | |
6 | GMFS LLC | Strong | Sound | Exceptional | Exceptional | Sound | $3,508 | +0.077% | 20 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,924 | +0.345% | 125 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,728 | +0.276% | 39 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,254 | +0.139% | 38 | |
10 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Sound | $2,526 | +0.259% | 21 | |
11 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,486 | +1.140% | 46 | |
12 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,160 | +0.396% | 45 | |
13 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,920 | +0.364% | 44 | |
14 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,166 | +0.791% | 29 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,718 | +0.372% | 27 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,210 | +0.497% | 26 | |
17 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,208 | +0.621% | 20 | |
18 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,448 | +0.301% | 19 | |
19 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,282 | +0.258% | 18 | |
20 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,450 | +0.721% | 18 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,601 | +0.210% | 16 | |
22 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,196 | +0.511% | 13 | |
23 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,954 | +0.531% | 12 | |
24 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,916 | +0.503% | 12 | |
25 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Sound | Sound | $2,308 | +0.222% | 12 | |
26 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,990 | +0.829% | 56 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,411 | +0.493% | 49 | |
28 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,006 | +0.630% | 14 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,754 | +0.723% | 11 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,564 | +0.219% | 10 | |
31 | BANKSOUTH MORTGAGE COMPANY, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,337 | +0.423% | 39 | |
32 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $4,016 | +0.127% | 21 | |
33 | ACOPIA, LLC | Sound | Acceptable | Strong | Sound | Sound | $5,014 | +0.419% | 16 | |
34 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,747 | +0.393% | 11 | |
35 | First Option Mortgage, LLC | Sound | Mediocre | Strong | Sound | Strong | $4,216 | +0.908% | 47 | |
36 | Onward Home Mortgage, LLC | Sound | Acceptable | Sound | Sound | Sound | $4,039 | +0.434% | 11 | |
37 | GUARANTY MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Sound | Sound | Strong | $3,977 | +0.461% | 30 | |
38 | 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)
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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