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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 Lenders in Homosassa Springs
Updated February 5, 2026
Market Overview
60
Total Lenders
2,055
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Suncoast Credit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | -$566 | -0.688% | 70 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,427 | +0.124% | 38 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $304 | -0.252% | 27 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,373 | +0.052% | 18 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,827 | +0.365% | 278 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,001 | +0.254% | 250 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,324 | +0.156% | 29 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,156 | +0.196% | 31 | |
9 | MIDFLORIDA | Strong | Strong | Strong | Sound | Sound | $1,000 | -0.266% | 21 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,656 | +0.445% | 18 | |
11 | Ameris Bank | Strong | Sound | Exceptional | Strong | Sound | $1,889 | +0.029% | 16 | |
12 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,070 | +0.128% | 11 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,264 | +0.598% | 89 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,185 | +0.521% | 85 | |
15 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,002 | +0.431% | 40 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,778 | +0.495% | 35 | |
17 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,405 | +0.281% | 31 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,262 | +0.248% | 24 | |
19 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Sound | $1,526 | +0.114% | 19 | |
20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,645 | +0.787% | 11 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $1,410 | +0.836% | 108 | |
22 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,401 | +0.260% | 58 | |
23 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,751 | +0.333% | 26 | |
24 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,155 | +0.497% | 25 | |
25 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,521 | +0.815% | 23 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,094 | +0.497% | 23 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,663 | +0.209% | 19 | |
28 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,142 | +0.515% | 16 | |
29 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,045 | +0.183% | 16 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,412 | +0.374% | 14 | |
31 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,591 | +0.604% | 13 | |
32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $4,261 | +0.678% | 12 | |
33 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,023 | +0.705% | 73 | |
34 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,065 | +0.058% | 30 | |
35 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,100 | +0.061% | 21 | |
36 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,027 | +0.509% | 20 | |
37 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,470 | +0.522% | 18 | |
38 | Seacoast National Bank | Strong | Sound | Sound | Sound | Sound | $1,731 | +0.177% | 15 | |
39 | THE MORTGAGE FIRM, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,022 | +0.410% | 26 | |
40 | Waterstone Mortgage Corporation | Sound | Mediocre | Exceptional | Strong | Sound | $4,245 | +0.420% | 19 | |
41 | GTE Federal Credit Union | Sound | Sound | Sound | Acceptable | Sound | $479 | +0.070% | 16 | |
42 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $3,375 | +0.450% | 11 | |
43 | RMC HOME MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Strong | $3,884 | +0.585% | 57 | |
44 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Acceptable | $3,884 | +0.845% | 10 | |
45 | AMERICAN BANCSHARES MORTGAGE, LLC | Sound | Mediocre | Sound | Sound | Sound | $3,462 | +0.834% | 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)
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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Homosassa Springs, FLConventional
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