Safe Rate Rankings

Best Conventional Mortgage Lenders in Palm Bay

Updated May 23, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders112

Total Loans9,750

Median Rate Spread0.26%

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