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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 Conventional Mortgage Company Lenders in Palm Bay

Updated February 5, 2026

Market Overview

Total Lenders

9,750

Total Loans

0.26%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,894	-0.135%	23
2	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,159	-0.468%	80
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,157	+0.149%	1,253
4	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,255	+0.243%	743
5	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,384	+0.300%	173
6	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,013	+0.339%	423
7	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$763	-0.029%	92
8	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$3,757	+0.359%	43
9	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$2,946	+0.238%	29
10	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$2,549	+0.280%	26
11	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,425	+0.011%	199
12	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,194	+0.444%	71
13	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,393	+0.253%	68
14	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,469	+0.627%	63
15	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,567	+0.237%	58
16	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,450	+0.052%	56
17	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,915	+0.596%	54
18	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,577	+0.312%	119
19	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,106	+0.192%	51
20	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,755	+0.420%	44
21	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,884	+0.392%	42
22	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$3,075	+0.585%	42
23	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$498	+0.952%	37
24	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,553	+0.233%	33
25	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$3,056	+0.687%	32
26	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,201	+0.469%	28
27	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$970	+0.360%	26
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,658	+0.438%	26
29	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,918	+0.318%	23
30	THE MORTGAGE FIRM, INC.	Strong	Mediocre	Strong	Strong	Exceptional	$3,362	+0.495%	534
31	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$5,117	+0.789%	242
32	DYBN FINANCIAL CORP.	Strong	Acceptable	Sound	Sound	Exceptional	$2,897	+0.134%	221
33	FBC MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,988	-0.007%	161
34	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Sound	Strong	$4,302	+0.155%	151
35	NFM, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,031	-0.422%	111
36	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,889	+0.664%	92
37	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,944	+0.475%	60
38	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,962	+0.532%	50
39	INSPIRE HOME LOANS INC.	Strong	Acceptable	Strong	Strong	Sound	-$1,104	+0.368%	43
40	AFFORDABLE MORTGAGE ADVISORS, LLC.	Strong	Acceptable	Strong	Strong	Sound	$4,081	+0.420%	28
41	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,780	+0.170%	24
42	DIRECT MORTGAGE LOANS, LLC	Sound	Mediocre	Strong	Strong	Strong	$4,049	+0.395%	92
43	ABSOLUTE HOME MORTGAGE CORPORATION	Sound	Acceptable	Strong	Sound	Sound	$2,968	+0.607%	37
44	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	Sound	$3,949	+0.518%	25
45	Waterstone Mortgage Corporation	Sound	Mediocre	Exceptional	Strong	Sound	$3,940	+0.429%	22
46	COASTAL LOANS, LLC	Sound	Mediocre	Sound	Sound	Exceptional	$5,294	+0.136%	193
47	RMC HOME MORTGAGE, LLC	Sound	Mediocre	Strong	Sound	Strong	$3,942	+0.255%	138
48	Mortgage Lenders Investment Trading Corporation	Sound	Mediocre	Strong	Strong	Sound	$5,916	+0.378%	25
49	MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.	Sound	Mediocre	Strong	Sound	Sound	$2,996	+0.606%	33

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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