Safe Rate Rankings

Best Conventional Mortgage Company 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 Lenders50

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