Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	CAMPUS USA CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$771Fees	0.260%Above	89
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$889Fees	0.603%Below	84
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,585Fees	0.265%Above	47
4	Suncoast Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	Sound	$906Credit	0.826%Below	17
5	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,213Fees	0.091%Above	64
6	Citizens First BankBank	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,268Fees	0.456%Above	57
7	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,730Fees	0.008%Above	43
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,290Fees	0.295%Above	830
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,000Fees	0.361%Above	568
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,845Fees	0.194%Above	129
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,490Fees	0.323%Above	81
12	First Federal BankBank	Strong	Strong	Strong	Sound	Strong	$1,430Fees	0.182%Above	77
13	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,308Fees	0.179%Above	71
14	MIDFLORIDACredit Union	Strong	Strong	Strong	Sound	Strong	$983Fees	0.032%Above	62
15	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,192Fees	0.555%Above	301
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,275Fees	0.207%Above	93
17	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,445Fees	0.269%Above	35
18	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,145Fees	1.030%Below	32
19	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,793Fees	0.527%Above	20
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,145Fees	0.569%Above	162
21	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,667Fees	0.465%Above	155
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,021Fees	0.391%Above	131
23	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,620Fees	0.513%Above	108
24	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,915Fees	0.217%Above	90
25	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,652Fees	0.318%Above	90
26	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,080Fees	0.580%Above	76
27	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,877Fees	0.416%Above	68
28	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,277Fees	0.383%Above	62
29	FLORIDACredit Union	Strong	Strong	Sound	Acceptable	Strong	$1,370Fees	0.222%Below	57
30	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,997Fees	0.317%Above	47
31	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,540Fees	0.584%Above	43
32	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$3,148Fees	0.484%Above	204
33	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,085Fees	0.223%Above	109
34	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,270Fees	0.809%Above	108
35	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,930Fees	0.489%Above	36
36	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,642Fees	0.374%Above	34
37	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,792Fees	0.598%Above	33
38	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,358Fees	0.759%Above	29
39	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,581Fees	0.350%Above	26
40	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,797Fees	0.443%Above	19
41	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,627Fees	0.498%Above	19
42	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,412Fees	0.783%Above	19
43	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$1,409Fees	0.212%Above	18
44	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,489Fees	0.307%Above	17
45	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,906Fees	0.465%Above	17
46	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,709Fees	0.285%Above	70
47	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,152Fees	0.151%Above	31
48	AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,655Fees	0.511%Above	19
49	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$4,537Fees	0.476%Above	17
50	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,698Fees	0.357%Above	17

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.