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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 Ocala

Updated February 5, 2026

Market Overview

115

Total Lenders

7,201

Total Loans

0.38%

Median Rate Spread

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

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