🛡️

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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$681	-0.548%	172
2	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,401	+0.150%	167
3	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,858	+0.068%	82
4	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,453	-0.142%	62
5	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,894	-0.135%	23
6	SPACE COAST CREDIT UNION	Exceptional	Strong	Strong	Sound	Exceptional	$349	-0.236%	458
7	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,159	-0.468%	80
8	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,036	+0.041%	80
9	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$641	-0.361%	25
10	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,157	+0.149%	1,253
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,255	+0.243%	743
12	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,384	+0.300%	173
13	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,489	+0.269%	99
14	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,013	+0.339%	423
15	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$763	-0.029%	92
16	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$3,757	+0.359%	43
17	SouthState Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$2,664	+0.309%	32
18	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$2,946	+0.238%	29
19	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$2,549	+0.280%	26
20	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,425	+0.011%	199
21	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$3,001	+0.289%	138
22	COMMUNITY CREDIT UNION of FLORIDA	Strong	Sound	Sound	Sound	Exceptional	$1,345	+0.010%	131
23	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,953	+0.412%	95
24	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,194	+0.444%	71
25	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,393	+0.253%	68
26	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,469	+0.627%	63
27	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,567	+0.237%	58
28	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,450	+0.052%	56
29	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,915	+0.596%	54
30	Regions Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,443	+0.372%	54
31	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,577	+0.312%	119
32	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Strong	$1,292	-0.123%	54
33	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,106	+0.192%	51
34	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,755	+0.420%	44
35	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,884	+0.392%	42
36	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$3,075	+0.585%	42
37	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$498	+0.952%	37
38	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,553	+0.233%	33
39	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$3,056	+0.687%	32
40	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,201	+0.469%	28
41	TD Bank, National Association	Strong	Sound	Strong	Sound	Sound	$527	+0.456%	28
42	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$970	+0.360%	26
43	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,658	+0.438%	26
44	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,918	+0.318%	23
45	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$5,117	+0.789%	242
46	FBC MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,988	-0.007%	161
47	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Sound	Strong	$4,302	+0.155%	151
48	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,944	+0.475%	60
49	INSPIRE HOME LOANS INC.	Strong	Acceptable	Strong	Strong	Sound	-$1,104	+0.368%	43
50	AFFORDABLE MORTGAGE ADVISORS, LLC.	Strong	Acceptable	Strong	Strong	Sound	$4,081	+0.420%	28

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Palm BayConventional

No credit impact

3-minute process

100% free