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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 Mortgage Lenders in Palm Bay

Updated February 5, 2026

Market Overview

112

Total Lenders

9,750

Total Loans

0.26%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$681	-0.548%	172
2	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Strong	$2,988	-0.007%	161
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,157	+0.149%	1,253
4	SPACE COAST CREDIT UNION	Strong	Strong	Sound	Exceptional	$349	-0.236%	458
5	U.S. Bank National Association	Strong	Strong	Strong	Strong	$1,401	+0.150%	167
6	Truist Bank	Strong	Strong	Strong	Strong	$1,858	+0.068%	82
7	Bank of America, National Association	Strong	Strong	Strong	Strong	$1,453	-0.142%	62
8	NBKC BANK	Strong	Exceptional	Sound	Sound	$641	-0.361%	25
9	PROVIDENT FUNDING ASSOCIATES, L.P.	Strong	Exceptional	Sound	Sound	$1,894	-0.135%	23
10	First Heritage Mortgage, LLC	Strong	Sound	Exceptional	Strong	$3,159	-0.468%	80
11	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$2,036	+0.041%	80
12	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,255	+0.243%	743
13	THE MORTGAGE FIRM, INC.	Strong	Acceptable	Exceptional	Exceptional	$3,362	+0.495%	534
14	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$2,425	+0.011%	199
15	COASTAL LOANS, LLC	Strong	Acceptable	Exceptional	Exceptional	$5,294	+0.136%	193
16	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$3,384	+0.300%	173
17	COMMUNITY CREDIT UNION of FLORIDA	Strong	Sound	Sound	Exceptional	$1,345	+0.010%	131
18	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$2,489	+0.269%	99
19	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$763	-0.029%	92
20	Regions Bank	Strong	Sound	Strong	Strong	$1,443	+0.372%	54
21	LAUNCH CREDIT UNION	Strong	Strong	Acceptable	Strong	$875	+0.322%	54
22	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$3,013	+0.339%	423
23	DYBN FINANCIAL CORP.	Strong	Acceptable	Strong	Exceptional	$2,897	+0.134%	221
24	NFM, INC.	Strong	Acceptable	Exceptional	Strong	$3,031	-0.422%	111
25	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$3,194	+0.444%	71
26	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$3,393	+0.253%	68
27	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	$3,469	+0.627%	63
28	USAA Federal Savings Bank	Strong	Sound	Sound	Strong	$1,292	-0.123%	54
29	GUARANTEED RATE, INC.	Strong	Sound	Strong	Sound	$2,106	+0.192%	51
30	INSPIRE HOME LOANS INC.	Strong	Sound	Strong	Sound	-$1,104	+0.368%	43
31	SouthState Bank, National Association	Strong	Sound	Strong	Sound	$2,664	+0.309%	32
32	BAY EQUITY LLC	Strong	Sound	Strong	Sound	$2,549	+0.280%	26
33	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$5,117	+0.789%	242
34	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Strong	$4,302	+0.155%	151
35	RMC HOME MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$3,942	+0.255%	138
36	Flagstar Bank, N.A.	Strong	Acceptable	Strong	Strong	$3,001	+0.289%	138
37	Plains Commerce Bank	Strong	Acceptable	Strong	Strong	$2,953	+0.412%	95
38	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Strong	Strong	$2,944	+0.475%	60
39	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$2,567	+0.237%	58
40	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$2,450	+0.052%	56
41	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Strong	$3,915	+0.596%	54
42	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Sound	$3,755	+0.420%	44
43	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Sound	$3,075	+0.585%	42
44	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Sound	$3,056	+0.687%	32
45	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	$2,946	+0.238%	29
46	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$2,201	+0.469%	28
47	TD Bank, National Association	Strong	Sound	Sound	Sound	$527	+0.456%	28
48	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	$970	+0.360%	26
49	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	$2,658	+0.438%	26
50	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$2,577	+0.312%	119

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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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