Safe Rate Rankings

Best Mortgage Lenders in Ocala

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 Lenders115

Total Loans7,201

Median Rate Spread0.38%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	CAMPUS USA CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	$771Fees	0.260%Above	89
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$889Fees	0.603%Below	84
3	First Federal BankBank	Exceptional	Exceptional	Sound	Strong	$1,430Fees	0.182%Above	77
4	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$2,709Fees	0.285%Above	70
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,290Fees	0.295%Above	830
6	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$2,585Fees	0.265%Above	47
7	Ameris BankBank	Strong	Sound	Exceptional	Strong	$2,308Fees	0.179%Above	71
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,213Fees	0.091%Above	64
9	MIDFLORIDACredit Union	Strong	Strong	Sound	Strong	$983Fees	0.032%Above	62
10	Citizens First BankBank	Strong	Sound	Exceptional	Strong	$1,268Fees	0.456%Above	57
11	Truist BankBank	Strong	Strong	Strong	Sound	$1,730Fees	0.008%Above	43
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,000Fees	0.361%Above	568
13	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,192Fees	0.555%Above	301
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,845Fees	0.194%Above	129
15	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,403Fees	0.180%Above	94
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,275Fees	0.207%Above	93
17	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,915Fees	0.217%Above	90
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,490Fees	0.323%Above	81
19	Regions BankBank	Strong	Sound	Strong	Strong	$1,080Fees	0.580%Above	76
20	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,145Fees	1.030%Below	32
21	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,148Fees	0.484%Above	204
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,021Fees	0.391%Above	131
23	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,620Fees	0.513%Above	108
24	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,877Fees	0.416%Above	68
25	COASTAL LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$5,514Fees	0.324%Above	63
26	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,277Fees	0.383%Above	62
27	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,176Fees	0.503%Above	42
28	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,445Fees	0.269%Above	35
29	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,152Fees	0.151%Above	31
30	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,145Fees	0.569%Above	162
31	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,667Fees	0.465%Above	155
32	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,652Fees	0.318%Above	90
33	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,629Fees	0.747%Above	59
34	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,997Fees	0.317%Above	47
35	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,540Fees	0.584%Above	43
36	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,642Fees	0.374%Above	34
37	Seacoast National BankBank	Strong	Sound	Sound	Sound	$3,660Fees	0.077%Above	22
38	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,703Fees	0.036%Above	20
39	AMERICAN BANCSHARES MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$4,213Fees	0.557%Above	165
40	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,085Fees	0.223%Above	109
41	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$4,270Fees	0.809%Above	108
42	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,152Fees	0.913%Above	79
43	Plains Commerce BankBank	Sound	Acceptable	Strong	Sound	$2,930Fees	0.489%Above	36
44	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,792Fees	0.598%Above	33
45	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,358Fees	0.759%Above	29
46	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,605Fees	0.436%Above	27
47	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,581Fees	0.350%Above	26
48	MORTGAGE FINANCIAL GROUP, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,989Fees	0.195%Above	23
49	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,793Fees	0.527%Above	20

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.