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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 Mortgage Company Lenders in Palm Bay
Updated February 5, 2026
Market Overview
50
Total Lenders
7,887
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,988 | -0.007% | 161 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,157 | +0.149% | 1,253 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,894 | -0.135% | 23 | |
4 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $3,159 | -0.468% | 80 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,255 | +0.243% | 743 | |
6 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,362 | +0.495% | 534 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,425 | +0.011% | 199 | |
8 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Exceptional | $5,294 | +0.136% | 193 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,384 | +0.300% | 173 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $763 | -0.029% | 92 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,013 | +0.339% | 423 | |
12 | DYBN FINANCIAL CORP. | Strong | Acceptable | Strong | Exceptional | $2,897 | +0.134% | 221 | |
13 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,031 | -0.422% | 111 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,194 | +0.444% | 71 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,393 | +0.253% | 68 | |
16 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,469 | +0.627% | 63 | |
17 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,106 | +0.192% | 51 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | -$1,104 | +0.368% | 43 | |
19 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $2,549 | +0.280% | 26 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $5,117 | +0.789% | 242 | |
21 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $4,302 | +0.155% | 151 | |
22 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,942 | +0.255% | 138 | |
23 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $2,944 | +0.475% | 60 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,567 | +0.237% | 58 | |
25 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,450 | +0.052% | 56 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,915 | +0.596% | 54 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $3,755 | +0.420% | 44 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,075 | +0.585% | 42 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,056 | +0.687% | 32 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,946 | +0.238% | 29 | |
31 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,201 | +0.469% | 28 | |
32 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $970 | +0.360% | 26 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,658 | +0.438% | 26 | |
34 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,577 | +0.312% | 119 | |
35 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Exceptional | Strong | $4,049 | +0.395% | 92 | |
36 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $3,889 | +0.664% | 92 | |
37 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $3,578 | +0.427% | 48 | |
38 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,757 | +0.359% | 43 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $498 | +0.952% | 37 | |
40 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,553 | +0.233% | 33 | |
41 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Sound | Acceptable | Strong | Sound | $4,081 | +0.420% | 28 | |
42 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $3,571 | +0.454% | 25 | |
43 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $2,780 | +0.170% | 24 | |
44 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $2,918 | +0.318% | 23 | |
45 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $2,962 | +0.532% | 50 | |
46 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $3,949 | +0.518% | 25 | |
47 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,821 | +0.463% | 24 | |
48 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $4,884 | +0.392% | 42 | |
49 | ABSOLUTE HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | $2,968 | +0.607% | 37 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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