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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 FHA 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	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,988	-0.007%	161
2	First Heritage Mortgage, LLC	Exceptional	Strong	Exceptional	Exceptional	Strong	$3,159	-0.468%	80
3	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,157	+0.149%	1,253
4	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,425	+0.011%	199
5	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,401	+0.150%	167
6	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$763	-0.029%	92
7	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,255	+0.243%	743
8	THE MORTGAGE FIRM, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,362	+0.495%	534
9	SPACE COAST CREDIT UNION	Strong	Strong	Sound	Sound	Exceptional	$349	-0.236%	458
10	COASTAL LOANS, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$5,294	+0.136%	193
11	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,384	+0.300%	173
12	RMC HOME MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,942	+0.255%	138
13	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$3,001	+0.289%	138
14	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$2,953	+0.412%	95
15	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,450	+0.052%	56
16	SouthState Bank, National Association	Strong	Strong	Strong	Strong	Sound	$2,664	+0.309%	32
17	SWBC MORTGAGE CORPORATION	Strong	Sound	Exceptional	Exceptional	Sound	$970	+0.360%	26
18	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,577	+0.312%	119
19	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,031	-0.422%	111
20	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,469	+0.627%	63
21	Regions Bank	Strong	Sound	Exceptional	Sound	Strong	$1,443	+0.372%	54
22	INSPIRE HOME LOANS INC.	Strong	Sound	Exceptional	Strong	Sound	-$1,104	+0.368%	43
23	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Sound	$2,553	+0.233%	33
24	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,302	+0.155%	151
25	COMMUNITY CREDIT UNION of FLORIDA	Strong	Sound	—	Sound	Exceptional	$1,345	+0.010%	131
26	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Strong	$2,489	+0.269%	99
27	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,194	+0.444%	71
28	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,393	+0.253%	68
29	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,944	+0.475%	60
30	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,915	+0.596%	54
31	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,075	+0.585%	42
32	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,056	+0.687%	32
33	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,201	+0.469%	28
34	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,658	+0.438%	26
35	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,013	+0.339%	423
36	DIRECT MORTGAGE LOANS, LLC	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,049	+0.395%	92
37	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,889	+0.664%	92
38	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,106	+0.192%	51
39	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,578	+0.427%	48
40	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,755	+0.420%	44
41	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,757	+0.359%	43
42	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$498	+0.952%	37
43	AFFORDABLE MORTGAGE ADVISORS, LLC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,081	+0.420%	28
44	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,549	+0.280%	26
45	OCMBC, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,571	+0.454%	25
46	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,780	+0.170%	24
47	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,918	+0.318%	23
48	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$2,946	+0.238%	29
49	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$3,587	+0.484%	25
50	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,821	+0.463%	24

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.

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