Safe Rate Rankings

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