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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 FHA 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	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,709	+0.285%	70
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,290	+0.295%	830
3	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,403	+0.180%	94
4	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,275	+0.207%	93
5	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,000	+0.361%	568
6	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,192	+0.555%	301
7	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$1,845	+0.194%	129
8	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,652	+0.318%	90
9	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$2,308	+0.179%	71
10	SouthState Bank, National Association	Strong	Strong	Strong	Strong	Sound	$2,445	+0.269%	35
11	VANDERBILT MORTGAGE AND FINANCE, INC.	Strong	Sound	Exceptional	Exceptional	Sound	$2,145	-1.030%	32
12	AMERICAN BANCSHARES MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	Exceptional	$4,213	+0.557%	165
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,021	+0.391%	131
14	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$3,085	+0.223%	109
15	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,620	+0.513%	108
16	Regions Bank	Strong	Sound	Exceptional	Sound	Strong	$1,080	+0.580%	76
17	COASTAL LOANS, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$5,514	+0.324%	63
18	Truist Bank	Strong	Strong	Strong	Sound	Sound	$1,730	+0.008%	43
19	THE MORTGAGE FIRM, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,176	+0.503%	42
20	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Sound	$2,930	+0.489%	36
21	INSPIRE HOME LOANS INC.	Strong	Sound	Exceptional	Strong	Sound	$1,152	+0.151%	31
22	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Sound	$3,581	+0.350%	26
23	MORTGAGE FINANCIAL GROUP, INC.	Strong	Sound	Strong	Strong	Strong	$2,989	+0.195%	23
24	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Sound	$1,797	+0.443%	19
25	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,148	+0.484%	204
26	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,667	+0.465%	155
27	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,915	+0.217%	90
28	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,877	+0.416%	68
29	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,277	+0.383%	62
30	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,629	+0.747%	59
31	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,540	+0.584%	43
32	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,489	+0.307%	17
33	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,152	+0.913%	79
34	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,642	+0.374%	34
35	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,792	+0.598%	33
36	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,605	+0.436%	27
37	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,793	+0.527%	20
38	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,472	+0.855%	19
39	AFFORDABLE MORTGAGE ADVISORS, LLC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,655	+0.511%	19
40	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,412	+0.783%	19
41	SUN WEST MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,408	+0.355%	18
42	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$4,537	+0.476%	17
43	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$2,906	+0.465%	17
44	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,698	+0.357%	17
45	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,302	+0.408%	16
46	JMAC LENDING, INC.	Strong	Sound	Strong	Sound	Sound	$3,386	+0.137%	16
47	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$4,145	+0.569%	162
48	SUCCESS MORTGAGE PARTNERS, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$4,149	+0.371%	84
49	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,733	+0.501%	28
50	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$4,194	+0.440%	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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