Safe Rate Rankings

Best Conventional Mortgage Credit Union 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 Lenders6

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	Suncoast Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	Sound	$906Credit	0.826%Below	17
4	MIDFLORIDACredit Union	Strong	Strong	Strong	Sound	Strong	$983Fees	0.032%Above	62
5	FLORIDACredit Union	Strong	Strong	Sound	Acceptable	Strong	$1,370Fees	0.222%Below	57
6	GTE Federal Credit UnionCredit Union	Sound	Sound	Sound	Acceptable	Sound	$724Fees	0.385%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.