# Best FHA Mortgage Lenders in Palm Bay

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

Compare the top FHA mortgage lenders in Palm Bay. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 89 | 77 | 82 | 161 | Independent Mortgage Company |
| 2 | First Heritage Mortgage, LLC | 89 | 68 | 84 | 80 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 1,253 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 199 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 743 | Independent Mortgage Company |
| 6 | THE MORTGAGE FIRM, INC. | 80 | 26 | 81 | 534 | Independent Mortgage Company |
| 7 | COASTAL LOANS, LLC | 80 | 28 | 85 | 193 | Independent Mortgage Company |
| 8 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 173 | Independent Mortgage Company |
| 9 | U.S. Bank National Association | 79 | 65 | 60 | 167 | Bank |
| 10 | RMC HOME MORTGAGE, LLC | 79 | 45 | 71 | 138 | Independent Mortgage Company |
| 11 | Flagstar Bank, N.A. | 79 | 58 | 71 | 138 | Bank |
| 12 | Plains Commerce Bank | 79 | 47 | 66 | 95 | Bank |
| 13 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 92 | Independent Mortgage Company |
| 14 | THE LOAN STORE, INC. | 79 | 49 | 72 | 56 | Independent Mortgage Company |
| 15 | SWBC MORTGAGE CORPORATION | 77 | 42 | 83 | 26 | Independent Mortgage Company |
| 16 | NFM, INC. | 75 | 40 | 83 | 111 | Independent Mortgage Company |
| 17 | T2 FINANCIAL LLC | 75 | 29 | 82 | 63 | Independent Mortgage Company |
| 18 | SouthState Bank, National Association | 74 | 65 | 65 | 32 | Bank |
| 19 | SPACE COAST CREDIT UNION | 73 | 75 | 47 | 458 | Credit Union |
| 20 | NEWREZ LLC | 73 | 52 | 56 | 119 | Independent Mortgage Company |
| 21 | Regions Bank | 73 | 60 | 59 | 54 | Bank |
| 22 | INSPIRE HOME LOANS INC. | 73 | 53 | 75 | 43 | Independent Mortgage Company |
| 23 | KIND LENDING, LLC | 73 | 55 | 71 | 33 | Independent Mortgage Company |
| 24 | EMBRACE HOME LOANS, INC. | 71 | 35 | 71 | 151 | Independent Mortgage Company |
| 25 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 71 | Independent Mortgage Company |
| 26 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 68 | Independent Mortgage Company |
| 27 | ZILLOW HOME LOANS, LLC | 71 | 34 | 67 | 60 | Independent Mortgage Company |
| 28 | Paramount Residential Mortgage Group, Inc. | 71 | 33 | 72 | 54 | Independent Mortgage Company |
| 29 | UNION HOME MORTGAGE CORP. | 70 | 22 | 80 | 42 | Independent Mortgage Company |
| 30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 70 | 22 | 82 | 32 | Independent Mortgage Company |
| 31 | FIRST COMMUNITY MORTGAGE, INC. | 70 | 33 | 84 | 28 | Independent Mortgage Company |
| 32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 70 | 20 | 82 | 26 | Independent Mortgage Company |
| 33 | JPMorgan Chase Bank, National Association | 69 | 59 | 47 | 99 | Bank |
| 34 | COMMUNITY CREDIT UNION of FLORIDA | 68 | 58 | 53 | 131 | Credit Union |
| 35 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 51 | Independent Mortgage Company |
| 36 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 48 | Independent Mortgage Company |
| 37 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 44 | Independent Mortgage Company |
| 38 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 43 | Independent Mortgage Company |
| 39 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 25 | 69 | 37 | Independent Mortgage Company |
| 40 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 66 | 26 | 78 | 28 | Independent Mortgage Company |
| 41 | BAY EQUITY LLC | 66 | 37 | 72 | 26 | Independent Mortgage Company |
| 42 | OCMBC, INC. | 66 | 39 | 72 | 25 | Independent Mortgage Company |
| 43 | GUARANTEED RATE AFFINITY, LLC | 66 | 33 | 63 | 24 | Independent Mortgage Company |
| 44 | LOWER, LLC | 66 | 29 | 66 | 23 | Independent Mortgage Company |
| 45 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 423 | Independent Mortgage Company |
| 46 | EVERETT FINANCIAL, INC. | 63 | 9 | 80 | 92 | Independent Mortgage Company |
| 47 | DIRECT MORTGAGE LOANS, LLC | 63 | 17 | 84 | 92 | Independent Mortgage Company |
| 48 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 29 | Independent Mortgage Company |
| 49 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 25 | Independent Mortgage Company |
| 50 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 24 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.