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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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,290 | +0.295% | 830 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $889 | -0.603% | 84 | |
3 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,430 | +0.182% | 77 | |
4 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,308 | +0.179% | 71 | |
5 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,667 | +0.465% | 155 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,403 | +0.180% | 94 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,275 | +0.207% | 93 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,915 | +0.217% | 90 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,145 | -1.030% | 32 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,620 | +0.513% | 108 | |
11 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,277 | +0.383% | 62 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,000 | +0.361% | 568 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,845 | +0.194% | 129 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,085 | +0.223% | 109 | |
15 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,652 | +0.318% | 90 | |
16 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,703 | +0.036% | 20 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,192 | +0.555% | 301 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,148 | +0.484% | 204 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,021 | +0.391% | 131 | |
20 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $4,408 | +0.355% | 18 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,145 | +0.569% | 162 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,877 | +0.416% | 68 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,997 | +0.317% | 47 | |
24 | COASTAL LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,514 | +0.324% | 63 | |
25 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,629 | +0.747% | 59 | |
26 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,152 | +0.913% | 79 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,270 | +0.809% | 108 | |
28 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | Strong | $4,149 | +0.371% | 84 | |
29 | THE MORTGAGE FIRM, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,176 | +0.503% | 42 | |
30 | LEADERONE FINANCIAL CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $2,358 | +0.759% | 29 | |
31 | AMERICAN BANCSHARES MORTGAGE, LLC | Sound | Mediocre | Sound | Sound | Exceptional | $4,213 | +0.557% | 165 | |
32 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,332 | +0.761% | 38 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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