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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 Company Lenders in Ocala

Updated February 5, 2026

Market Overview

Total Lenders

7,201

Total Loans

0.38%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,290	+0.295%	830
2	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,000	+0.361%	568
3	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$1,845	+0.194%	129
4	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,192	+0.555%	301
5	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,275	+0.207%	93
6	VANDERBILT MORTGAGE AND FINANCE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,145	-1.030%	32
7	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$3,793	+0.527%	20
8	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,145	+0.569%	162
9	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,667	+0.465%	155
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,021	+0.391%	131
11	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$3,620	+0.513%	108
12	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,915	+0.217%	90
13	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,877	+0.416%	68
14	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,277	+0.383%	62
15	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,997	+0.317%	47
16	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,540	+0.584%	43
17	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$3,148	+0.484%	204
18	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,085	+0.223%	109
19	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,270	+0.809%	108
20	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,642	+0.374%	34
21	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,792	+0.598%	33
22	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,358	+0.759%	29
23	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,581	+0.350%	26
24	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,797	+0.443%	19
25	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,627	+0.498%	19
26	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,412	+0.783%	19
27	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,489	+0.307%	17
28	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$2,906	+0.465%	17
29	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,152	+0.913%	79
30	FBC MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,709	+0.285%	70
31	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Strong	$3,765	+0.809%	45
32	INSPIRE HOME LOANS INC.	Strong	Acceptable	Strong	Strong	Sound	$1,152	+0.151%	31
33	AFFORDABLE MORTGAGE ADVISORS, LLC.	Strong	Acceptable	Strong	Strong	Sound	$3,655	+0.511%	19
34	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Sound	$4,537	+0.476%	17
35	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,698	+0.357%	17
36	THE MORTGAGE FIRM, INC.	Sound	Mediocre	Strong	Strong	Strong	$3,176	+0.503%	42
37	Mortgage Lenders Investment Trading Corporation	Sound	Mediocre	Strong	Strong	Strong	$3,027	+0.869%	29
38	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	Sound	$4,614	+0.628%	28
39	ZILLOW HOME LOANS, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,605	+0.436%	27
40	EMBRACE HOME LOANS, INC.	Sound	Acceptable	Strong	Sound	Sound	$3,472	+0.855%	19
41	Waterstone Mortgage Corporation	Sound	Mediocre	Exceptional	Strong	Sound	$5,022	+0.714%	16
42	AMERICAN BANCSHARES MORTGAGE, LLC	Sound	Mediocre	Sound	Sound	Exceptional	$4,213	+0.557%	165
43	SUCCESS MORTGAGE PARTNERS, INC.	Sound	Mediocre	Strong	Sound	Strong	$4,149	+0.371%	84
44	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Sound	$3,733	+0.501%	28
45	JMAC LENDING, INC.	Sound	Acceptable	Strong	Acceptable	Sound	$3,386	+0.137%	16
46	COASTAL LOANS, LLC	Sound	Mediocre	Sound	Sound	Strong	$5,514	+0.324%	63
47	Click n' Close, Inc.	Sound	Mediocre	Strong	Sound	Sound	$6,505	+2.160%	26
48	Wolfe Financial, Inc	Sound	Mediocre	Strong	Sound	Sound	$3,584	+0.681%	25

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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Ocala, FLConventional

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