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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 Mortgage Lenders in Ocala
Updated February 5, 2026
Market Overview
115
Total Lenders
7,201
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | CAMPUS USA CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | $771 | +0.260% | 89 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $889 | -0.603% | 84 | |
3 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,430 | +0.182% | 77 | |
4 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,709 | +0.285% | 70 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,290 | +0.295% | 830 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,585 | +0.265% | 47 | |
7 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,308 | +0.179% | 71 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,213 | +0.091% | 64 | |
9 | MIDFLORIDA | Strong | Strong | Sound | Strong | $983 | +0.032% | 62 | |
10 | Citizens First Bank | Strong | Sound | Exceptional | Strong | $1,268 | +0.456% | 57 | |
11 | Truist Bank | Strong | Strong | Strong | Sound | $1,730 | +0.008% | 43 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,000 | +0.361% | 568 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,192 | +0.555% | 301 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,845 | +0.194% | 129 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,403 | +0.180% | 94 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,275 | +0.207% | 93 | |
17 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,915 | +0.217% | 90 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,490 | +0.323% | 81 | |
19 | Regions Bank | Strong | Sound | Strong | Strong | $1,080 | +0.580% | 76 | |
20 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Sound | $2,145 | -1.030% | 32 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,148 | +0.484% | 204 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,021 | +0.391% | 131 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,620 | +0.513% | 108 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,877 | +0.416% | 68 | |
25 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Strong | $5,514 | +0.324% | 63 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,277 | +0.383% | 62 | |
27 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Strong | $3,176 | +0.503% | 42 | |
28 | SouthState Bank, National Association | Strong | Sound | Strong | Sound | $2,445 | +0.269% | 35 | |
29 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $1,152 | +0.151% | 31 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,145 | +0.569% | 162 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $1,667 | +0.465% | 155 | |
32 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,652 | +0.318% | 90 | |
33 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,629 | +0.747% | 59 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,997 | +0.317% | 47 | |
35 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,540 | +0.584% | 43 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $2,642 | +0.374% | 34 | |
37 | Seacoast National Bank | Strong | Sound | Sound | Sound | $3,660 | +0.077% | 22 | |
38 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,703 | +0.036% | 20 | |
39 | AMERICAN BANCSHARES MORTGAGE, LLC | Sound | Mediocre | Strong | Exceptional | $4,213 | +0.557% | 165 | |
40 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,085 | +0.223% | 109 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,270 | +0.809% | 108 | |
42 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $3,152 | +0.913% | 79 | |
43 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $2,930 | +0.489% | 36 | |
44 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,792 | +0.598% | 33 | |
45 | LEADERONE FINANCIAL CORPORATION | Sound | Acceptable | Strong | Sound | $2,358 | +0.759% | 29 | |
46 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $2,605 | +0.436% | 27 | |
47 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $3,581 | +0.350% | 26 | |
48 | MORTGAGE FINANCIAL GROUP, INC. | Sound | Acceptable | Sound | Strong | $2,989 | +0.195% | 23 | |
49 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,793 | +0.527% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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