Safe Rate Rankings

Best Conventional Mortgage Lenders in Homosassa Springs

Updated February 5, 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 Lenders60

Total Loans2,055

Median Rate Spread0.34%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Suncoast Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$566Credit	0.688%Below	70
2	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,427Fees	0.124%Above	38
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$304Fees	0.252%Below	27
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,373Fees	0.052%Above	18
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,827Fees	0.365%Above	278
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,001Fees	0.254%Above	250
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,324Fees	0.156%Above	29
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,156Fees	0.196%Above	31
9	MIDFLORIDACredit Union	Strong	Strong	Strong	Sound	Sound	$1,000Fees	0.266%Below	21
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,656Fees	0.445%Above	18
11	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,889Fees	0.029%Above	16
12	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,070Fees	0.128%Above	11
13	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,264Fees	0.598%Above	89
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,185Fees	0.521%Above	85
15	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,002Fees	0.431%Above	40
16	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,778Fees	0.495%Above	35
17	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,405Fees	0.281%Above	31
18	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,262Fees	0.248%Above	24
19	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,526Fees	0.114%Above	19
20	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,645Fees	0.787%Above	11
21	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$1,410Fees	0.836%Above	108
22	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,401Fees	0.260%Above	58
23	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,751Fees	0.333%Above	26
24	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,155Fees	0.497%Above	25
25	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,521Fees	0.815%Above	23
26	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,094Fees	0.497%Above	23
27	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,663Fees	0.209%Above	19
28	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,142Fees	0.515%Above	16
29	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,045Fees	0.183%Above	16
30	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,412Fees	0.374%Above	14
31	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,591Fees	0.604%Above	13
32	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,261Fees	0.678%Above	12
33	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,023Fees	0.705%Above	73
34	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,065Fees	0.058%Above	30
35	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,100Fees	0.061%Above	21
36	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,027Fees	0.509%Above	20
37	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,470Fees	0.522%Above	18
38	Seacoast National BankBank	Strong	Sound	Sound	Sound	Sound	$1,731Fees	0.177%Above	15
39	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$3,022Fees	0.410%Above	26
40	Waterstone Mortgage CorporationIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,245Fees	0.420%Above	19
41	GTE Federal Credit UnionCredit Union	Sound	Sound	Sound	Acceptable	Sound	$479Fees	0.070%Above	16
42	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,375Fees	0.450%Above	11
43	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$3,884Fees	0.585%Above	57
44	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Acceptable	$3,884Fees	0.845%Above	10
45	AMERICAN BANCSHARES MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$3,462Fees	0.834%Above	14

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.