OCALA Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Ocala averaged 6.08% for the week of 2024-10-10, compared to the national average of 6.32% for the same period.

The average rate for the prior week (2024-10-03) was 6.28% and one month ago for the week of 2024-09-05, the average rate was 6.41%.

Ocala's average rate one year ago was 7.45%.

For refis of the same type during the week of 2024-10-10, the average rate was 6.97%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-10 6.32%
Ocala 30 Year Fixed Rate 2024-10-10 6.08%
Ocala 30 Year Fixed Rate Refi 2024-10-10 6.97%
Ocala 15 Year Fixed Rate 2024-10-10 5.68%
Ocala 15 Year Fixed Rate Refi 2024-10-10 5.31%
Ocala 30 Year FHA 2024-10-10 5.6%
Ocala 30 Year FHA Refi 2024-10-10 5.9%
Ocala 30 Year USDA 2024-10-10 5.53%
Ocala 30 Year USDA Refi 2024-10-10 6.08%
Ocala 30 Year VA 2024-10-10 5.74%
Ocala 30 Year VA Refi 2024-10-10 6.05%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within OCALA, FL.

OCALA Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the OCALA, FL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 373 6.81% $8,526
QUICKEN LOANS, LLC 358 6.76% $6,954
DHI MORTGAGE COMPANY, LTD. 202 5.85% $3,611
EAGLE HOME MORTGAGE, LLC 170 5.32% $5,434
UNION HOME MORTGAGE CORP. 143 7.16% $6,975
First Federal Bank 141 6.72% $5,242
PULTE MORTGAGE LLC 117 6.57% $4,190
CROSSCOUNTRY MORTGAGE, LLC 79 6.88% $7,980
AMERICAN FINANCIAL NETWORK, INC. 75 6.79% $7,832
PRIMELENDING, A PLAINSCAPITAL COMPANY 72 6.75% $7,245
JPMorgan Chase Bank 71 6.65% $5,262
Truist 70 6.59% $5,137
Wells Fargo Bank 70 6.60% $5,268
FIRST COLONY MORTGAGE CORPORATION 69 6.05% $9,018
LOANDEPOT.COM, LLC 63 6.82% $6,070
Citizens First Bank 56 7.14% $4,047
GUARANTEED RATE, INC. 55 6.73% $6,057
Equity Prime Mortgage LLC 54 7.03% $6,658
PENNYMAC LOAN SERVICES, LLC 52 6.89% $6,990
CAMPUS USA 48 6.64% $4,027
FLORIDA 45 6.83% $4,469
Flagstar Bank, FSB 45 7.01% $8,030
AMERICAN BANCSHARES MORTGAGE 42 6.99% $7,487
Bank of America 39 6.54% $5,425
MIDFLORIDA 37 6.06% $5,154
THE MORTGAGE FIRM, INC. 37 6.74% $6,687
South State Bank 35 6.62% $6,606
HOME SOLUTION LENDERS INC. 34 6.16% $10,796
Regions Bank 33 6.84% $4,889
CMG MORTGAGE, INC. 29 6.54% $6,393
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 29 6.74% $6,048
SUCCESS MORTGAGE PARTNERS, INC. 29 7.09% $6,972
NAVY FEDERAL CREDIT UNION 29 6.83% $5,759
MOVEMENT MORTGAGE, LLC 29 6.77% $7,661
Ameris Bank 28 6.66% $5,931
NEWREZ LLC 27 7.25% $6,551
Suncoast Credit Union 27 5.85% $3,818
BROKER SOLUTIONS, INC. 26 6.97% $8,365
ACADEMY MORTGAGE CORPORATION 25 7.02% $7,009
STOCKTON MORTGAGE CORPORATION 24 7.08% $6,797
CARDINAL FINANCIAL 24 7.06% $8,106
PNC Bank 23 6.81% $4,841
TD Bank 23 6.56% $5,778
21ST MORTGAGE CORPORATION 23 8.12% $6,121
FBC MORTGAGE, LLC 22 6.85% $7,009
VANDERBILT MORTGAGE AND FINANCE, INC. 21 6.92% $6,264
Paramount Residential Mortgage Group, Inc. 20 7.31% $7,952
Citizens Bank 19 6.72% $6,314
EVERETT FINANCIAL, INC. 18 7.14% $9,501
Shea Mortgage Inc. 18 6.76% $3,984
Sierra Pacific Mortgage Company, Inc. 18 6.64% $6,537
AMERICAN PACIFIC MORTGAGE CORPORATION 17 6.70% $6,290
Mr. Cooper ( Nationstar Mortgage ) 17 6.52% $8,161
Mortgage Research Center, LLC 17 6.62% $7,025
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 16 6.99% $7,382
HOMEBRIDGE FINANCIAL SERVICES, INC. 16 6.09% $5,801
U.S. Bank 15 6.73% $5,392
HOMESTAR FINANCIAL CORPORATION 15 6.77% $6,471
American Mortgage & Equity Consultants, Inc. 15 7.36% $7,083
AMERISAVE MORTGAGE CORPORATION 14 6.22% $8,908
Prosperity Home Mortgage, LLC 13 6.95% $5,469
Plains Commerce Bank 13 6.75% $6,674
Ixonia Bank 13 6.93% $6,965
LEADERONE FINANCIAL CORPORATION 13 6.32% $5,770
PROVIDENT FUNDING ASSOCIATES, L.P. 13 6.51% $4,732
GENEVA FINANCIAL, LLC 12 6.86% $7,123
GUILD MORTGAGE COMPANY 12 7.11% $5,853
USAA Federal Savings Bank 11 6.60% $5,805
NexBank 11 7.45% $12,634
MUTUAL OF OMAHA MORTGAGE, INC. 10 6.51% $6,659
Mortgage Lenders Investment Trading Corporation 10 6.85% $6,436
BETTER MORTGAGE CORPORATION 10 6.34% $4,147
Third Federal Savings and Loan Association of Cleveland 10 6.11% $1,746
ROYAL UNITED MORTGAGE LLC 9 6.81% $7,746
A&D Mortgage LLC 9 8.98% $12,588
Waterstone Mortgage Corporation 9 7.22% $8,753
ZILLOW HOME LOANS, LLC 9 6.97% $5,647
OCMBC, INC. 9 8.67% $10,063
PENTAGON FEDERAL CREDIT UNION 8 6.08% $5,542
Discover Bank 8 7.10% $0
Wolfe Financial, Inc 8 7.25% $6,267
Goldwater Bank, N.A. 8 7.06% $6,833
Century Mortgage Company DBA Century Lending Company 8 7.36% $9,189
MORTGAGE FINANCIAL GROUP, INC. 8 6.97% $6,871
Morgan Stanley Private Bank 8 6.13% $4,949
Capital City Home Loans, LLC 8 6.89% $6,884
GTE Federal Credit Union 8 6.75% $4,107
Ally Bank 8 6.92% $3,608
DEEPHAVEN MORTGAGE LLC 7 8.78% $9,743
NEXERA HOLDING LLC 7 8.54% $12,871
Fifth Third Bank 7 6.48% $4,781
ARC HOME LLC 7 7.39% $7,148
GUARANTEED RATE AFFINITY, LLC 7 7.08% $6,579
Brannen Bank 7 6.53% $4,848
First Horizon Bank 7 6.73% $7,429
MICHIGAN MUTUAL, INC. 6 5.96% $10,015
LAKE MICHIGAN CREDIT UNION 6 6.50% $4,695
RBC Bank, (Georgia) 6 5.83% $3,312
EMM LOANS LLC 6 6.81% $8,742
JMAC LENDING, INC. 6 6.37% $7,642
NFM, INC. 6 6.60% $9,696
HOMESIDE FINANCIAL, LLC 6 7.19% $7,670
First Heritage Mortgage, LLC 6 6.90% $6,764
Warsaw Federal Savings and Loan Association 6 6.76% $7,961
First Savings Bank 6 6.63% $6,023
The Loan Store, Inc. 5 6.83% $7,624
CALIBER HOME LOANS, INC. 5 6.70% $4,598
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 7.25% $7,220
SPACE COAST Credit Union 5 6.53% $3,400
WATSON MORTGAGE CORP. 5 6.98% $4,840
INSPIRE HOME LOANS INC. 5 6.75% $4,109
ANGEL OAK MORTGAGE SOLUTIONS LLC 5 8.58% $17,247
Bank of England 5 6.68% $6,977
VAN DYK MORTGAGE CORPORATION 5 6.78% $6,053
FIRST MORTGAGE COMPANY, INC. 5 6.70% $7,458
VYSTAR 5 6.50% $2,331
Centennial Bank 5 6.93% $7,659
The Huntington National Bank 5 6.27% $5,183
Northpointe Bank 4 6.66% $11,972
CLIFFCO, INC. 4 7.88% $10,689
PLAZA HOME MORTGAGE, INC. 4 7.41% $7,962
Citadel Servicing Corporation 4 9.37% $8,946
MY MORTGAGE, INC. 4 6.87% $10,999
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 4 7.25% $7,650
Nations Lending Corporation 4 7.09% $8,886
AMERICAN HERITAGE LENDING, INC. 4 9.44% $11,988
PRIMARY RESIDENTIAL MORTGAGE, INC. 4 6.84% $7,478
Carrington Mortgage Services, LLC 4 6.41% $8,319
CANOPY MORTGAGE, LLC 4 7.06% $8,949
SOUTHERN TRUST MORTGAGE, LLC 4 6.53% $11,764
FIRST EQUITY MORTGAGE BANKERS, INC. 4 6.53% $7,822
TOWNE MORTGAGE COMPANY 4 6.97% $10,384
NBKC BANK 4 6.75% $3,711
NJ LENDERS CORP. 4 6.78% $6,312
FREEDOM MORTGAGE CORPORATION 4 7.00% $9,135
AMERICAN FINANCING CORPORATION 3 6.88% $7,365
MORIA DEVELOPMENT, INC. 3 6.88% $4,151
Commerce Home Mortgage, Inc. 3 9.13% $8,855
MORTGAGE INVESTORS GROUP, INC. 3 6.54% $3,622
ABSOLUTE HOME MORTGAGE CORPORATION 3 5.96% $7,050
Network Funding, L.P. 3 6.71% $4,663
North American Savings Bank, F.S.B. 3 7.83% $5,445
NORTHPOINT MORTGAGE, INC. 3 7.33% $5,919
NP, Inc. 3 8.00% $11,308
ORLANDO CREDIT UNION 3 6.29% $6,609
PHH Mortgage Corporation 3 6.83% $7,503
Advisors Mortgage Group, L.L.C. 3 7.08% $5,664
EMBRACE HOME LOANS, INC. 3 7.46% $6,341
BAY EQUITY LLC 3 6.12% $7,805
SIRVA MORTGAGE, INC. 3 6.17% $3,523
FAIRWINDS CREDIT UNION 3 6.79% $3,991
Bell Bank 3 6.66% $5,007
FIRST CENTENNIAL MORTGAGE CORPORATION 3 6.29% $4,457
TOTAL MORTGAGE SERVICES, LLC 3 7.33% $4,417
TRIAD FINANCIAL SERVICES, INC. 3 8.28% $8,851
Florida Capital Bank 3 7.50% $6,872
GARDNER FINANCIAL SERVICES, LTD. 3 7.46% $10,674
HALLMARK HOME MORTGAGE, LLC 3 6.88% $7,661
HOMEOWNERS FINANCIAL GROUP USA, LLC 3 7.04% $10,312
HOMESTEAD FUNDING CORP. 3 7.46% $5,134
Hometown Equity Mortgage, LLC 3 6.88% $8,403
HOMEXPRESS MORTGAGE CORP. 3 8.79% $8,072
HUNT MORTGAGE CORPORATION 3 6.29% $6,520
Charles Schwab Bank, SSB 3 6.13% $3,688
Alcova Mortgage LLC 3 7.25% $5,415
Keystone Funding, Inc. 3 7.66% $7,817
LAND HOME FINANCIAL SERVICES, INC. 3 7.21% $7,722
LENDSURE MORTGAGE CORP. 3 8.50% $52,133
LOANPAL, LLC 3 7.46% $7,776
CITY FIRST MORTGAGE SERVICES, L.L.C. 3 8.17% $4,301
MID AMERICA MORTGAGE, INC. 3 7.58% $11,766
AgFirst Farm Credit Bank 2 7.25% $7,670
SWBC MORTGAGE CORPORATION 2 3.75% $1,886
SUN WEST MORTGAGE COMPANY, INC. 2 8.38% $4,135
MID-ISLAND MORTGAGE CORP. 2 7.19% $9,662
NEW WAVE LENDING GROUP INC 2 7.88% $10,391
NETWORK CAPITAL FUNDING CORPORATION 2 7.38% $5,365
FAIRWAY FUNDING GROUP, INC. 2 6.31% $7,371
MORTGAGE EQUITY PARTNERS LLC 2 7.06% $10,021
INSIGHT 2 6.94% $4,577
ALLIANT CREDIT UNION 2 6.44% $4,353
RUOFF MORTGAGE COMPANY, INC. 2 7.13% $9,608
INTERCOASTAL MORTGAGE COMPANY 2 7.00% $3,745
City National Bank of Florida 2 6.19% $9,790
Neighborhood Loans, Inc. 2 6.81% $8,591
ROSS MORTGAGE CORPORATION 2 7.31% $6,185
EQUITY RESOURCES, INC. 2 6.88% $4,785
BAYCOAST MORTGAGE COMPANY, LLC 2 6.38% $4,783
J. VIRGIL, INC. 2 6.69% $5,265
AmeriHome Mortgage Company, LLC 2 6.19% $6,757
KeyBank 2 6.13% $6,109
CHURCHILL MORTGAGE CORPORATION 2 6.56% $6,812
Auto Club Trust, FSB 2 6.12% $2,606
Baxter Credit Union 2 6.63% $8,707
Barrington Bank & Trust Company, N.A. 2 6.37% $4,737
East Coast Capital Corp. 2 7.81% $12,685
Premium Mortgage Corporation 2 6.50% $6,107
PREMIA MORTGAGE, LLC 2 7.11% $4,783
Citibank 2 7.00% $6,037
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 5.88% $6,039
PLANET HOME LENDING, LLC 2 7.31% $8,961
CREDIT UNION MORTGAGE ASSOCIATION, INC. 2 6.06% $4,150
CAPITAL CENTER, L.L.C. 2 7.25% $4,513
Grow Financial Federal Credit Union 2 5.69% $10,746
Gateway First Bank 2 7.13% $6,770
GUIDANCE RESIDENTIAL, LLC 2 7.44% $5,743
FM Home Loans, LLC 2 6.93% $5,273
FIRST FLORIDA Credit Union 2 7.31% $4,174
M&T Bank 2 6.31% $5,746
TIDEWATER MORTGAGE SERVICES, INC. 2 3.50% $2,462
First-Citizens Bank & Trust Company 2 5.52% $4,167
CASTLE & COOKE MORTGAGE, LLC 2 7.24% $9,713
THRIVE MORTGAGE, LLC 2 6.38% $7,525
FirstBank 2 7.13% $4,191
The Federal Savings Bank 2 7.69% $6,552
CONTOUR MORTGAGE CORPORATION 2 7.13% $6,867
SunState Federal Credit Union 1 7.63% $3,743
ACOPIA, LLC 1 5.63% $7,068
ADDITION FINANCIAL 1 6.25% $4,629
ADVANCIAL 1 6.88% $10,000
ALAMEDA MORTGAGE CORPORATION 1 7.13% $4,444
ALLIED MORTGAGE GROUP, INC. 1 6.88% $3,241
AMCAP MORTGAGE, LTD. 1 6.62% $9,476
American Airlines Federal Credit Union 1 6.13% $0
AMERICAN FEDERAL MORTGAGE CORPORATION 1 6.13% $3,998
AMERICAN HERITAGE FCU 1 6.74% $3,149
AMERICAN INTERNET MORTGAGE, INC. 1 6.38% $3,824
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 7.25% $4,859
Arvest Bank 1 6.75% $4,492
ASPIRE FINANCIAL, INC. 1 6.99% $5,811
Associated Bank 1 6.38% $2,869
Axos Bank 1 7.63% $11,721
BancorpSouth 1 7.38% $2,777
Bangor Savings Bank 1 7.88% $5,545
Bank of Tennessee 1 8.04% $4,130
BAYSHORE MORTGAGE FUNDING, LLC 1 7.50% $8,709
Beeline Loans, Inc. 1 6.99% $7,815
BELEM SERVICING LLC 1 7.13% $4,943
BOND STREET MORTGAGE, LLC 1 7.50% $7,656
Busey Bank 1 7.13% $2,563
CALCON MUTUAL MORTGAGE LLC 1 6.00% $13,092
CBM Mortgage, Inc. 1 7.50% $5,748
Central Bank 1 6.50% $8,595
CHARTWAY FEDERAL CREDIT UNION 1 6.13% $4,042
CHERRY CREEK MORTGAGE, LLC 1 6.50% $6,409
CIBM Bank 1 6.50% $3,847
Circle Federal Credit Union 1 6.50% $2,013
CITADEL FEDERAL CREDIT UNION 1 6.25% $4,541
CITIZENS EQUITY FIRST 1 6.38% $3,489
Coastline Federal Credit Union 1 6.00% $3,623
Commerce Bank 1 6.00% $5,467
COMMUNITYAMERICA 1 5.25% $2,461
COMMUNITY FIRST CREDIT UNION OF FLO 1 5.95% $2,418
CONTINENTAL MORTGAGE BANKERS, INC. 1 7.13% $10,091
DAS Acquisition Company, LLC 1 6.88% $5,915
Deere Employees Credit Union 1 7.00% $4,407
DELMAR FINANCIAL COMPANY 1 7.38% $4,509
DIGITAL Federal Credit Union 1 5.13% $3,050
DRAPER AND KRAMER MORTGAGE CORP. 1 6.13% $4,187
DYBN FINANCIAL CORP. 1 7.99% $3,455
EDUCATIONAL SYSTEMS 1 6.38% $4,950
Encompass Lending Group, LP 1 5.38% $7,673
Envision Credit Union 1 6.25% $5,562
ENVOY MORTGAGE, LTD 1 7.88% $6,783
Evolve Bank & Trust 1 6.50% $4,932
F&A Federal Credit Union 1 4.75% $3,939
FIDELITY BANK 1 6.88% $5,067
FINANCIAL RESOURCES FEDERAL CREDIT UNION 1 7.25% $4,997
FIRST HOME MORTGAGE CORPORATION 1 6.63% $14,130
First National Bank of America 1 10.24% $13,295
FIRST NORTHERN Credit Union 1 8.13% $8,026
FIRST STATE MORTGAGE SERVICES, LLC 1 6.88% $4,337
FLAT BRANCH MORTGAGE, INC. 1 6.88% $3,837
Gate City Bank 1 6.50% $4,708
GEORGIA'S OWN 1 5.88% $11,780
GMFS LLC 1 7.38% $3,610
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.88% $6,727
GSF Mortgage Corporation 1 7.43% $17,191
GUARANTY HOME MORTGAGE CORPORATION 1 7.63% $10,281
GVC MORTGAGE, INC. 1 7.25% $7,362
HARBORONE MORTGAGE, LLC 1 6.63% $8,038
HighTechLending Inc 1 7.75% $8,233
Home Federal Savings Bank 1 5.75% $8,739
HOME FINANCING CENTER, INC. 1 7.63% $11,940
Honor Credit Union 1 7.50% $4,419
INTERCAP LENDING INC. 1 6.75% $10,794
INTERLINC MORTGAGE SERVICES, LLC 1 6.99% $0
ITHINK FINANCIAL Credit Union 1 7.25% $7,476
KELLER MORTGAGE, LLC 1 5.99% $3,563
Key Mortgage Services, Inc. 1 7.50% $4,030
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 1 7.63% $11,219
LADERA LENDING, INC. 1 6.13% $5,932
LAFAYETTE FEDERAL CREDIT UNION 1 5.38% $5,548
Lakeview Community Capital, LLC 1 6.99% $6,856
LAKEVIEW LOAN SERVICING, LLC 1 6.99% $14,032
Leader Bank 1 7.63% $6,064
Loan Simple, Inc. 1 8.25% $16,134
Luxury Mortgage Corp. 1 8.25% $18,764
Magnolia Bank 1 6.99% $4,934
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 7.50% $10,154
MEMBERS MORTGAGE COMPANY, INC. 1 5.88% $5,517
Mercantile Bank of Michigan 1 7.50% $3,653
Meridian Bank Corporation 1 6.50% $4,619
MILLENNIUM FINANCIAL GROUP, INC. 1 6.00% $3,218
Mortgage Assurance Inc. 1 7.13% $5,168
NASA Federal Credit Union 1 6.38% $5,417
NATIONS RELIABLE LENDING, LLC 1 7.63% $7,682
NBH Bank 1 7.00% $5,260
Northwest Bank 1 5.75% $5,706
Northwest Community Bank 1 5.38% $5,041
Notre Dame Federal Credit Union Corporation 1 7.25% $2,401
NTFN, INC. 1 7.25% $5,902
OAKTREE FUNDING CORP. 1 7.50% $17,750
Old National Bank 1 5.88% $3,981
ON Q FINANCIAL, INC. 1 7.63% $3,604
OPEN MORTGAGE, LLC 1 7.38% $6,247
Pacor Mortgage Corp 1 6.13% $2,840
Paramount Bank 1 6.63% $4,774
PARTNERS 1 6.50% $3,062
Pinnacle Bank 1 5.75% $3,868
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.25% $6,267
PyraMax Bank, FSB 1 6.75% $3,968
RAILROAD & INDUSTRIAL 1 7.38% $4,378
RANLIFE, INC. 1 8.13% $7,698
Raymond James Bank 1 4.50% $5,672
READY MORTGAGE LENDERS, LLC 1 7.50% $7,496
RELIANCE FIRST CAPITAL, LLC 1 6.63% $7,255
Renasant Bank 1 6.38% $3,741
Republic Bank & Trust Company 1 7.00% $9,972
RESIDENTIAL BANCORP 1 7.38% $11,773
RiverHills Bank 1 7.13% $7,220
Sanibel Captiva Community Bank 1 6.49% $7,353
Semper Home Loans, Inc. 1 6.75% $3,842
SERVICE 1ST 1 7.50% $5,773
Solarity Credit Union 1 7.00% $4,038
Strong Home Mortgage, LLC 1 6.38% $6,525
Summit Mortgage Corporation 1 6.88% $6,780
1ST 2ND MORTGAGE COMPANY OF N.J., INC. 1 8.38% $9,838
THE ANDERSON FINANCIAL GROUP, INC. 1 6.13% $5,195
The Camden National Bank 1 7.50% $4,652
The Central Trust Bank 1 6.88% $4,404
The First National Bank and Trust Company 1 6.38% $3,339
Think Mutual Bank 1 5.25% $5,470
Tidewater Home Funding, LLC 1 5.75% $3,384
TOP FLITE FINANCIAL, INC. 1 6.88% $5,499
TOWER 1 7.63% $4,716
Trustmark National Bank 1 5.75% $4,257
United Fidelity Funding Corp. 1 5.50% $6,487
UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 7.13% $10,866
Univest Bank and Trust Co. 1 6.00% $11,760
US MORTGAGE CORPORATION 1 5.63% $8,537
Victorian Finance, LLC 1 6.50% $13,857
WESCOM CENTRAL CREDIT UNION 1 6.25% $4,231
Wilmington Savings Fund Society, FSB 1 6.25% $3,276
WINGS FINANCIAL 1 7.00% $7,356

OCALA Average Closing Costs & Other Stats

OCALA, FL's 355 lenders originated 11,638 loans during 2023. The total origination value was $2,736,740,000, with an average loan value of $235,156.

OCALA's average closing costs are $5,937.

The top OCALA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 373 loans originated. Their average total fees are $8,526, which is $1,572 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee OCALA lenders (with over 10 loans originated) are Third Federal Savings and Loan Association of Cleveland ($1,746), DHI MORTGAGE COMPANY, LTD. ($3,611), Suncoast Credit Union ($3,818), Shea Mortgage Inc. ($3,984) and CAMPUS USA ($4,027).

The lowest rate OCALA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.32%), DHI MORTGAGE COMPANY, LTD. (5.85%), Suncoast Credit Union (5.85%), FIRST COLONY MORTGAGE CORPORATION (6.05%) and MIDFLORIDA (6.06%).

OCALA, FL Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
UNITED WHOLESALE MORTGAGE, LLC $166,120,000 $229,835,000 38.4% 8.4%
JONES LANG LASALLE MULTIFAMILY, LLC $179,545,000 n/a 6.6%
DHI MORTGAGE COMPANY, LTD. $77,770,000 $135,340,000 74.0% 4.9%
QUICKEN LOANS, LLC $219,535,000 $129,285,000 -41.1% 4.7%
EAGLE HOME MORTGAGE, LLC $39,890,000 $87,090,000 118.3% 3.2%
UNION HOME MORTGAGE CORP. $40,765,000 $86,935,000 113.3% 3.2%
Mortgage Research Center, LLC $67,235,000 $51,400,000 -23.6% 1.9%
First Federal Bank $56,265,000 $47,975,000 -14.7% 1.8%
Equity Prime Mortgage LLC $28,230,000 $45,405,000 60.8% 1.7%
CROSSCOUNTRY MORTGAGE, LLC $49,845,000 $45,265,000 -9.2% 1.7%
AMERICAN FINANCIAL NETWORK, INC. $41,275,000 n/a 1.5%
PULTE MORTGAGE LLC $27,655,000 $38,460,000 39.1% 1.4%
Truist $94,325,000 $37,285,000 -60.5% 1.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $38,150,000 $34,505,000 -9.6% 1.3%
PENNYMAC LOAN SERVICES, LLC $42,355,000 $33,330,000 -21.3% 1.2%
LOANDEPOT.COM, LLC $47,080,000 $32,900,000 -30.1% 1.2%
AMERICAN BANCSHARES MORTGAGE $11,955,000 $32,145,000 168.9% 1.2%
MIDFLORIDA $43,385,000 $28,960,000 -33.2% 1.1%
Regions Bank $42,040,000 $28,695,000 -31.7% 1.0%
NAVY FEDERAL CREDIT UNION $24,765,000 $27,025,000 9.1% 1.0%
GUARANTEED RATE, INC. $26,175,000 $26,280,000 0.4% 1.0%
CMG MORTGAGE, INC. $13,690,000 $26,060,000 90.4% 1.0%
FLORIDA $40,605,000 $26,005,000 -36.0% 1.0%
South State Bank $34,740,000 $25,490,000 -26.6% 0.9%
CAMPUS USA $37,520,000 $23,980,000 -36.1% 0.9%
Bank of America $29,080,000 $22,585,000 -22.3% 0.8%
CARDINAL FINANCIAL $23,570,000 $22,565,000 -4.3% 0.8%
Citizens First Bank $33,390,000 $21,520,000 -35.5% 0.8%
Wells Fargo Bank $42,980,000 $20,915,000 -51.3% 0.8%
Flagstar Bank, FSB $28,415,000 $20,880,000 -26.5% 0.8%
PNC Bank $18,825,000 $20,745,000 10.2% 0.8%
FBC MORTGAGE, LLC $18,500,000 $20,295,000 9.7% 0.7%
HOME SOLUTION LENDERS INC. $19,575,000 $20,025,000 2.3% 0.7%
SUCCESS MORTGAGE PARTNERS, INC. $35,505,000 $19,975,000 -43.7% 0.7%
21ST MORTGAGE CORPORATION $18,760,000 $19,590,000 4.4% 0.7%
NEWREZ LLC $10,690,000 $18,470,000 72.8% 0.7%
The Huntington National Bank $1,410,000 $18,275,000 1,196.1% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $22,270,000 $17,835,000 -19.9% 0.7%
JPMorgan Chase Bank $27,215,000 $17,825,000 -34.5% 0.7%
BROKER SOLUTIONS, INC. $15,825,000 $17,365,000 9.7% 0.6%
MOVEMENT MORTGAGE, LLC $12,190,000 $15,805,000 29.7% 0.6%
FREEDOM MORTGAGE CORPORATION $29,060,000 $15,400,000 -47.0% 0.6%
ACADEMY MORTGAGE CORPORATION $12,265,000 $15,255,000 24.4% 0.6%
STOCKTON MORTGAGE CORPORATION $3,340,000 $14,845,000 344.5% 0.5%
THE MORTGAGE FIRM, INC. $20,010,000 $14,785,000 -26.1% 0.5%
FIRST COLONY MORTGAGE CORPORATION $22,720,000 $14,415,000 -36.6% 0.5%
HOMESTAR FINANCIAL CORPORATION $10,715,000 $13,565,000 26.6% 0.5%
HOMEBRIDGE FINANCIAL SERVICES, INC. $26,360,000 $13,400,000 -49.2% 0.5%
TD Bank $19,035,000 $13,145,000 -30.9% 0.5%
EVERETT FINANCIAL, INC. $12,420,000 $13,065,000 5.2% 0.5%
Paramount Residential Mortgage Group, Inc. $13,450,000 $12,910,000 -4.0% 0.5%
Citizens Bank $8,760,000 $12,535,000 43.1% 0.5%
USAA Federal Savings Bank $10,765,000 $12,200,000 13.3% 0.4%
Ameris Bank $25,885,000 $11,885,000 -54.1% 0.4%
VYSTAR $8,530,000 $11,760,000 37.9% 0.4%
LENDINGHOME FUNDING CORPORATION $14,595,000 $11,690,000 -19.9% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $29,185,000 $11,210,000 -61.6% 0.4%
AMERICAN PACIFIC MORTGAGE CORPORATION $29,020,000 $11,165,000 -61.5% 0.4%
WALKER & DUNLOP, LLC $11,005,000 n/a 0.4%
Carrington Mortgage Services, LLC $13,795,000 $10,905,000 -20.9% 0.4%
AMERISAVE MORTGAGE CORPORATION $17,395,000 $10,440,000 -40.0% 0.4%
Plains Commerce Bank $4,885,000 $9,530,000 95.1% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $11,790,000 $8,260,000 -29.9% 0.3%
CBRE MULTIFAMILY CAPITAL, INC. $8,235,000 n/a 0.3%
DEEPHAVEN MORTGAGE LLC $775,000 $8,115,000 947.1% 0.3%
Suncoast Credit Union $5,240,000 $8,075,000 54.1% 0.3%
Shea Mortgage Inc. $6,370,000 $7,860,000 23.4% 0.3%
Mortgage Lenders Investment Trading Corporation $16,110,000 $7,750,000 -51.9% 0.3%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $12,445,000 $7,635,000 -38.7% 0.3%
GUILD MORTGAGE COMPANY $4,545,000 $7,605,000 67.3% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $11,680,000 $7,545,000 -35.4% 0.3%
NEW DAY FINANCIAL, LLC $17,385,000 $7,465,000 -57.1% 0.3%
Citadel Servicing Corporation $4,965,000 $7,295,000 46.9% 0.3%
LEADERONE FINANCIAL CORPORATION $2,350,000 $7,235,000 207.9% 0.3%
GENEVA FINANCIAL, LLC $6,235,000 $7,135,000 14.4% 0.3%
American Mortgage & Equity Consultants, Inc. $6,900,000 n/a 0.3%
Century Mortgage Company DBA Century Lending Company $6,630,000 $6,570,000 -0.9% 0.2%
Commerce Home Mortgage, Inc. $2,095,000 $6,560,000 213.1% 0.2%
LIMA ONE CAPITAL, LLC $870,000 $6,380,000 633.3% 0.2%
Ixonia Bank $9,720,000 $6,295,000 -35.2% 0.2%
U.S. Bank $10,990,000 $6,170,000 -43.9% 0.2%
Sierra Pacific Mortgage Company, Inc. $1,700,000 $6,095,000 258.5% 0.2%
Waterstone Mortgage Corporation $5,310,000 $6,040,000 13.7% 0.2%
CALIBER HOME LOANS, INC. $41,740,000 $5,980,000 -85.7% 0.2%
A&D Mortgage LLC $2,785,000 $5,850,000 110.1% 0.2%
LENDINGONE, LLC $1,785,000 $5,540,000 210.4% 0.2%
Prosperity Home Mortgage, LLC $4,045,000 $5,470,000 35.2% 0.2%
Northpointe Bank $8,375,000 $5,465,000 -34.7% 0.2%
PLAZA HOME MORTGAGE, INC. $3,710,000 $5,405,000 45.7% 0.2%
Goldwater Bank, N.A. $20,440,000 $5,400,000 -73.6% 0.2%
The Federal Savings Bank $2,870,000 $5,065,000 76.5% 0.2%
Brannen Bank $6,200,000 $4,990,000 -19.5% 0.2%
Seacoast National Bank $900,000 $4,960,000 451.1% 0.2%
AMWEST FUNDING CORP. $2,120,000 $4,835,000 128.1% 0.2%
GUARANTEED RATE AFFINITY, LLC $2,915,000 $4,760,000 63.3% 0.2%
Bank of England $4,380,000 $4,690,000 7.1% 0.2%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $2,600,000 $4,590,000 76.5% 0.2%
Nations Lending Corporation $9,510,000 $4,495,000 -52.7% 0.2%
FINANCE OF AMERICA REVERSE LLC $3,410,000 $4,410,000 29.3% 0.2%
Third Federal Savings and Loan Association of Cleveland $3,640,000 $4,410,000 21.2% 0.2%
MID AMERICA MORTGAGE, INC. $2,035,000 $4,315,000 112.0% 0.2%
Wolfe Financial, Inc $4,305,000 n/a 0.2%
PENTAGON FEDERAL CREDIT UNION $7,370,000 $4,255,000 -42.3% 0.2%
Discover Bank $2,180,000 $4,215,000 93.3% 0.2%
HOMEXPRESS MORTGAGE CORP. $1,670,000 $4,195,000 151.2% 0.2%
LENDSURE MORTGAGE CORP. $785,000 $4,185,000 433.1% 0.2%
BETTER MORTGAGE CORPORATION $7,750,000 $4,075,000 -47.4% 0.1%
MORTGAGE FINANCIAL GROUP, INC. $4,050,000 $4,060,000 0.2% 0.1%
SPACE COAST Credit Union $1,775,000 $4,040,000 127.6% 0.1%
VILLAGE CAPITAL MORTGAGE $1,810,000 $4,025,000 122.4% 0.1%
OCMBC, INC. $2,350,000 $4,015,000 70.9% 0.1%
Mainstreet Community Bank of Florida $8,890,000 $3,980,000 -55.2% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $2,255,000 $3,975,000 76.3% 0.1%
TRIAD FINANCIAL SERVICES, INC. $2,740,000 $3,950,000 44.2% 0.1%
NexBank $225,000 $3,860,000 1,615.6% 0.1%
Morgan Stanley Private Bank $4,385,000 $3,810,000 -13.1% 0.1%
MY MORTGAGE, INC. $2,775,000 $3,790,000 36.6% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $2,095,000 $3,670,000 75.2% 0.1%
LOANPAL, LLC $5,440,000 $3,660,000 -32.7% 0.1%
DOMINION FINANCIAL SERVICES, LLC $3,110,000 $3,430,000 10.3% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $2,485,000 $3,355,000 35.0% 0.1%
First Horizon Bank $1,035,000 $3,345,000 223.2% 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $810,000 $3,340,000 312.3% 0.1%
LAKE MICHIGAN CREDIT UNION $3,825,000 $3,270,000 -14.5% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $8,420,000 $3,180,000 -62.2% 0.1%
AMERICAN HERITAGE LENDING, INC. $2,655,000 $3,180,000 19.8% 0.1%
NEXERA HOLDING LLC $1,960,000 $3,170,000 61.7% 0.1%
Figure Lending LLC $2,220,000 $3,000,000 35.1% 0.1%
NFM, INC. $3,725,000 $2,970,000 -20.3% 0.1%
Ally Bank $4,605,000 $2,950,000 -35.9% 0.1%
CANOPY MORTGAGE, LLC $645,000 $2,900,000 349.6% 0.1%
NBKC BANK $3,900,000 $2,885,000 -26.0% 0.1%
Fifth Third Bank $4,395,000 $2,815,000 -35.9% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $2,895,000 $2,745,000 -5.2% 0.1%
ZILLOW HOME LOANS, LLC $3,330,000 $2,710,000 -18.6% 0.1%
Capital City Home Loans, LLC $2,730,000 $2,700,000 -1.1% 0.1%
Central Bank $55,000 $2,675,000 4,763.6% 0.1%
United Southern Bank $3,655,000 $2,640,000 -27.8% 0.1%
Barrington Bank & Trust Company, N.A. $3,345,000 $2,625,000 -21.5% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $5,065,000 $2,580,000 -49.1% 0.1%
First Heritage Mortgage, LLC $880,000 $2,540,000 188.6% 0.1%
Hometown Equity Mortgage, LLC $4,640,000 $2,530,000 -45.5% 0.1%
TOWNE MORTGAGE COMPANY $2,260,000 $2,500,000 10.6% 0.1%
INSPIRE HOME LOANS INC. $2,490,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $6,730,000 $2,435,000 -63.8% 0.1%
VAN DYK MORTGAGE CORPORATION $3,075,000 $2,385,000 -22.4% 0.1%
GTE Federal Credit Union $4,195,000 $2,280,000 -45.6% 0.1%
RF Renovo Management Company, LLC $175,000 $2,250,000 1,185.7% 0.1%
ABSOLUTE HOME MORTGAGE CORPORATION $4,515,000 $2,235,000 -50.5% 0.1%
CITY FIRST MORTGAGE SERVICES, L.L.C. $945,000 $2,210,000 133.9% 0.1%
Mid-Continent Funding, Inc. $1,860,000 $2,205,000 18.5% 0.1%
LAKEVIEW LOAN SERVICING, LLC $8,320,000 $2,185,000 -73.7% 0.1%
ROSS MORTGAGE CORPORATION $1,605,000 $2,175,000 35.5% 0.1%
Gateway First Bank $595,000 $2,140,000 259.7% 0.1%
ROYAL UNITED MORTGAGE LLC $4,620,000 $2,140,000 -53.7% 0.1%
J. VIRGIL, INC. $1,545,000 $2,105,000 36.2% 0.1%
ARC HOME LLC $2,230,000 $2,100,000 -5.8% 0.1%
PLANET HOME LENDING, LLC $5,400,000 $2,080,000 -61.5% 0.1%
RBC Bank, (Georgia) $895,000 $2,060,000 130.2% 0.1%
Keystone Funding, Inc. $2,030,000 n/a 0.1%
SENB Bank $2,005,000 n/a 0.1%
City National Bank of Florida $1,360,000 $1,990,000 46.3% 0.1%
RUOFF MORTGAGE COMPANY, INC. $2,345,000 $1,955,000 -16.6% 0.1%
LONGBRIDGE FINANCIAL, LLC $2,420,000 $1,950,000 -19.4% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,250,000 $1,930,000 54.4% 0.1%
Wauchula State Bank $1,840,000 n/a 0.1%
Centennial Bank $835,000 $1,805,000 116.2% 0.1%
WATSON MORTGAGE CORP. $2,655,000 $1,775,000 -33.1% 0.1%
MICHIGAN MUTUAL, INC. $1,045,000 $1,755,000 67.9% 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $305,000 $1,740,000 470.5% 0.1%
BAC Florida Bank $1,715,000 n/a 0.1%
BAY EQUITY LLC $2,300,000 $1,700,000 -26.1% 0.1%
Alcova Mortgage LLC $255,000 $1,665,000 552.9% 0.1%
FIRST MORTGAGE COMPANY, INC. $560,000 $1,665,000 197.3% 0.1%
SunState Federal Credit Union $1,990,000 $1,655,000 -16.8% 0.1%
Premium Mortgage Corporation $825,000 $1,635,000 98.2% 0.1%
GSF Mortgage Corporation $1,480,000 $1,605,000 8.4% 0.1%
JMAC LENDING, INC. $1,705,000 $1,585,000 -7.0% 0.1%
MORTGAGE EQUITY PARTNERS LLC $3,480,000 $1,570,000 -54.9% 0.1%
Charles Schwab Bank, SSB $255,000 $1,545,000 505.9% 0.1%
Bell Bank $165,000 $1,540,000 833.3% 0.1%
Coastal Community Bank $1,525,000 n/a 0.1%
Armed Forces Bank $785,000 $1,520,000 93.6% 0.1%
Axos Bank $575,000 $1,505,000 161.7% 0.1%
SIRVA MORTGAGE, INC. $1,115,000 $1,505,000 35.0% 0.1%
NATIONS RELIABLE LENDING, LLC $19,230,000 $1,420,000 -92.6% 0.1%
NATIONS DIRECT MORTGAGE, LLC $1,530,000 $1,390,000 -9.2% 0.1%
WINGS FINANCIAL $1,270,000 $1,390,000 9.4% 0.1%
SOUTHERN TRUST MORTGAGE, LLC $495,000 $1,340,000 170.7% 0.0%
EMBRACE HOME LOANS, INC. $3,050,000 $1,330,000 -56.4% 0.0%
CHURCHILL MORTGAGE CORPORATION $2,060,000 $1,325,000 -35.7% 0.0%
First Savings Bank $2,030,000 $1,325,000 -34.7% 0.0%
Renasant Bank $4,050,000 $1,295,000 -68.0% 0.0%
EMM LOANS LLC $2,345,000 $1,290,000 -45.0% 0.0%
The Loan Store, Inc. $1,290,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $4,075,000 $1,260,000 -69.1% 0.0%
Warsaw Federal Savings and Loan Association $525,000 $1,260,000 140.0% 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $275,000 $1,240,000 350.9% 0.0%
AgFirst Farm Credit Bank $2,270,000 $1,195,000 -47.4% 0.0%
Baxter Credit Union $455,000 $1,195,000 162.6% 0.0%
SOUTHWEST STAGE FUNDING, LLC $1,690,000 $1,195,000 -29.3% 0.0%
HighTechLending Inc $1,180,000 n/a 0.0%
Cornerstone First Mortgage, Inc $1,160,000 n/a 0.0%
KeyBank $1,815,000 $1,160,000 -36.1% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $340,000 $1,155,000 239.7% 0.0%
NJ LENDERS CORP. $390,000 $1,150,000 194.9% 0.0%
PHH Mortgage Corporation $3,995,000 $1,145,000 -71.3% 0.0%
TOP FLITE FINANCIAL, INC. $2,710,000 $1,145,000 -57.7% 0.0%
HALLMARK HOME MORTGAGE, LLC $285,000 $1,140,000 300.0% 0.0%
Brighton Bank $1,125,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $2,685,000 $1,125,000 -58.1% 0.0%
HOMESTEAD FUNDING CORP. $1,310,000 $1,095,000 -16.4% 0.0%
Loan Simple, Inc. $2,120,000 $1,045,000 -50.7% 0.0%
GARDNER FINANCIAL SERVICES, LTD. $1,040,000 n/a 0.0%
GUIDANCE RESIDENTIAL, LLC $175,000 $1,035,000 491.4% 0.0%
ALLIANT CREDIT UNION $760,000 $1,020,000 34.2% 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $905,000 $1,020,000 12.7% 0.0%
Florida Capital Bank $250,000 $1,005,000 302.0% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $450,000 $1,005,000 123.3% 0.0%
Lakeview Community Capital, LLC $3,245,000 $1,000,000 -69.2% 0.0%
METROPLEX MORTGAGE SERVICES, INC. $2,105,000 $980,000 -53.4% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,250,000 $950,000 -57.8% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $985,000 $935,000 -5.1% 0.0%
Summit Mortgage Corporation $1,145,000 $935,000 -18.3% 0.0%
RELIANCE FIRST CAPITAL, LLC $1,635,000 $920,000 -43.7% 0.0%
CLIFFCO, INC. $910,000 n/a 0.0%
NP, Inc. $1,255,000 $910,000 -27.5% 0.0%
TOTAL MORTGAGE SERVICES, LLC $205,000 $910,000 343.9% 0.0%
V.I.P. MORTGAGE, INC. $905,000 n/a 0.0%
FIRST EQUITY MORTGAGE BANKERS, INC. $5,275,000 $885,000 -83.2% 0.0%
Univest Bank and Trust Co. $515,000 $885,000 71.8% 0.0%
MORIA DEVELOPMENT, INC. $910,000 $875,000 -3.8% 0.0%
Grow Financial Federal Credit Union $630,000 $865,000 37.3% 0.0%
Home Federal Savings Bank $855,000 n/a 0.0%
PREMIA MORTGAGE, LLC $705,000 $855,000 21.3% 0.0%
HUNT MORTGAGE CORPORATION $2,240,000 $835,000 -62.7% 0.0%
INTERCAP LENDING INC. $455,000 $835,000 83.5% 0.0%
CLEARPATH LENDING $785,000 $815,000 3.8% 0.0%
NORTHPOINT MORTGAGE, INC. $630,000 $805,000 27.8% 0.0%
Network Funding, L.P. $135,000 $795,000 488.9% 0.0%
MILEND, INC. $1,335,000 $785,000 -41.2% 0.0%
RESIDENTIAL BANCORP $1,280,000 $780,000 -39.1% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $785,000 $775,000 -1.3% 0.0%
FirstBank $985,000 $770,000 -21.8% 0.0%
HOMESPIRE MORTGAGE CORPORATION $1,505,000 $765,000 -49.2% 0.0%
NBH Bank $880,000 $765,000 -13.1% 0.0%
Southeastern Bank $765,000 n/a 0.0%
First-Citizens Bank & Trust Company $845,000 $740,000 -12.4% 0.0%
AMCAP MORTGAGE, LTD. $1,205,000 $735,000 -39.0% 0.0%
University Bank $735,000 n/a