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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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,988 | -0.007% | 161 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,157 | +0.149% | 1,253 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $681 | -0.548% | 172 | |
4 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $641 | -0.361% | 25 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,425 | +0.011% | 199 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,401 | +0.150% | 167 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $763 | -0.029% | 92 | |
8 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,159 | -0.468% | 80 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,194 | +0.444% | 71 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,393 | +0.253% | 68 | |
11 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,292 | -0.123% | 54 | |
12 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,106 | +0.192% | 51 | |
13 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Sound | -$1,104 | +0.368% | 43 | |
14 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,780 | +0.170% | 24 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,255 | +0.243% | 743 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,384 | +0.300% | 173 | |
17 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,001 | +0.289% | 138 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,577 | +0.312% | 119 | |
19 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,953 | +0.412% | 95 | |
20 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,450 | +0.052% | 56 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,915 | +0.596% | 54 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,013 | +0.339% | 423 | |
23 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $3,942 | +0.255% | 138 | |
24 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,031 | -0.422% | 111 | |
25 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,469 | +0.627% | 63 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,757 | +0.359% | 43 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,946 | +0.238% | 29 | |
28 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,117 | +0.789% | 242 | |
29 | DYBN FINANCIAL CORP. | Strong | Acceptable | Strong | Strong | Exceptional | $2,897 | +0.134% | 221 | |
30 | COASTAL LOANS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $5,294 | +0.136% | 193 | |
31 | COMMUNITY CREDIT UNION of FLORIDA | Strong | Sound | — | Sound | Exceptional | $1,345 | +0.010% | 131 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,567 | +0.237% | 58 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,658 | +0.438% | 26 | |
34 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,302 | +0.155% | 151 | |
35 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,944 | +0.475% | 60 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,755 | +0.420% | 44 | |
37 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,075 | +0.585% | 42 | |
38 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,549 | +0.280% | 26 | |
39 | THE MORTGAGE FIRM, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,362 | +0.495% | 534 | |
40 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,889 | +0.664% | 92 | |
41 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,578 | +0.427% | 48 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,821 | +0.463% | 24 | |
43 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,049 | +0.395% | 92 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,949 | +0.518% | 25 | |
45 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,962 | +0.532% | 50 | |
46 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,901 | +0.833% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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