# Best Mortgage Lenders in Palm Bay

**As of:** 2026-05-23

Compare the top mortgage lenders in Palm Bay. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/palm-bay/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 112
- **Total Loans:** 9,750
- **Median Rate Spread:** 0.2579818181818182%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 161 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 1,253 | Independent Mortgage Company |
| 3 | U.S. Bank National Association | 80 | 75 | 71 | 167 | Bank |
| 4 | Truist Bank | 80 | 70 | 68 | 82 | Bank |
| 5 | Bank of America, National Association | 80 | 73 | 75 | 62 | Bank |
| 6 | SPACE COAST CREDIT UNION | 78 | 75 | 57 | 458 | Credit Union |
| 7 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 172 | Credit Union |
| 8 | First Heritage Mortgage, LLC | 78 | 51 | 89 | 80 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 743 | Independent Mortgage Company |
| 10 | THE MORTGAGE FIRM, INC. | 74 | 20 | 81 | 534 | Independent Mortgage Company |
| 11 | COASTAL LOANS, LLC | 74 | 22 | 84 | 193 | Independent Mortgage Company |
| 12 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 199 | Independent Mortgage Company |
| 13 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 173 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 99 | Bank |
| 15 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 92 | Independent Mortgage Company |
| 16 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 80 | Bank |
| 17 | Regions Bank | 73 | 41 | 64 | 54 | Bank |
| 18 | COMMUNITY CREDIT UNION of FLORIDA | 71 | 58 | 53 | 131 | Credit Union |
| 19 | NBKC BANK | 71 | 91 | 59 | 25 | Bank |
| 20 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 23 | Independent Mortgage Company |
| 21 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 423 | Independent Mortgage Company |
| 22 | DYBN FINANCIAL CORP. | 68 | 29 | 63 | 221 | Independent Mortgage Company |
| 23 | NFM, INC. | 68 | 23 | 87 | 111 | Independent Mortgage Company |
| 24 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 71 | Independent Mortgage Company |
| 25 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 68 | Independent Mortgage Company |
| 26 | T2 FINANCIAL LLC | 68 | 26 | 86 | 63 | Independent Mortgage Company |
| 27 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 51 | Independent Mortgage Company |
| 28 | INSPIRE HOME LOANS INC. | 66 | 43 | 75 | 43 | Independent Mortgage Company |
| 29 | SouthState Bank, National Association | 66 | 49 | 73 | 32 | Bank |
| 30 | BAY EQUITY LLC | 66 | 43 | 65 | 26 | Independent Mortgage Company |
| 31 | USAA Federal Savings Bank | 66 | 54 | 45 | 54 | Bank |
| 32 | Mortgage Research Center, LLC | 63 | 34 | 70 | 242 | Independent Mortgage Company |
| 33 | EMBRACE HOME LOANS, INC. | 63 | 31 | 74 | 151 | Independent Mortgage Company |
| 34 | RMC HOME MORTGAGE, LLC | 63 | 26 | 64 | 138 | Independent Mortgage Company |
| 35 | Flagstar Bank, N.A. | 63 | 40 | 76 | 138 | Bank |
| 36 | Plains Commerce Bank | 63 | 37 | 67 | 95 | Bank |
| 37 | ZILLOW HOME LOANS, LLC | 63 | 31 | 63 | 60 | Independent Mortgage Company |
| 38 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 58 | Independent Mortgage Company |
| 39 | THE LOAN STORE, INC. | 63 | 40 | 77 | 56 | Independent Mortgage Company |
| 40 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 54 | Independent Mortgage Company |
| 41 | LAUNCH CREDIT UNION | 63 | 78 | 24 | 54 | Credit Union |
| 42 | GUILD MORTGAGE COMPANY LLC | 62 | 25 | 83 | 44 | Independent Mortgage Company |
| 43 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 42 | Independent Mortgage Company |
| 44 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 26 | 83 | 32 | Independent Mortgage Company |
| 45 | FIRST COMMUNITY MORTGAGE, INC. | 62 | 31 | 89 | 28 | Independent Mortgage Company |
| 46 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 26 | Independent Mortgage Company |
| 47 | SWBC MORTGAGE CORPORATION | 62 | 34 | 86 | 26 | Independent Mortgage Company |
| 48 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 29 | Independent Mortgage Company |
| 49 | TD Bank, National Association | 60 | 47 | 57 | 28 | Bank |
| 50 | NEWREZ LLC | 58 | 35 | 59 | 119 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Palm Bay.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.