Safe Rate Rankings

Best VA 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	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$1,065Fees	0.058%Above	30
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,001Fees	0.254%Above	250
3	INSPIRE HOME LOANS INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,401Fees	0.260%Above	58
4	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,087Fees	0.242%Above	37
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$304Fees	0.252%Below	27
6	First Federal BankBank	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,070Fees	0.331%Below	10
7	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,262Fees	0.248%Above	24
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,827Fees	0.365%Above	278
9	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$1,100Fees	0.061%Above	21
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,663Fees	0.209%Above	19
11	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,410Fees	0.836%Above	108
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,185Fees	0.521%Above	85
13	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$3,884Fees	0.585%Above	57
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,156Fees	0.196%Above	31
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,264Fees	0.598%Above	89
16	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,155Fees	0.497%Above	25
17	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,023Fees	0.705%Above	73
18	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,782Fees	0.619%Above	18
19	COASTAL LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,949Fees	0.584%Below	16
20	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,003Fees	0.925%Above	10

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.