# Best VA Mortgage Lenders in Palm Bay

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

Compare the top VA 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/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 1,253 | Independent Mortgage Company |
| 2 | FBC MORTGAGE, LLC | 95 | 85 | 87 | 161 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 199 | Independent Mortgage Company |
| 4 | U.S. Bank National Association | 85 | 71 | 65 | 167 | Bank |
| 5 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 92 | Independent Mortgage Company |
| 6 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 172 | Credit Union |
| 7 | First Heritage Mortgage, LLC | 83 | 52 | 90 | 80 | Independent Mortgage Company |
| 8 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 71 | Independent Mortgage Company |
| 9 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 68 | Independent Mortgage Company |
| 10 | NBKC BANK | 83 | 91 | 75 | 25 | Bank |
| 11 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 743 | Independent Mortgage Company |
| 12 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 173 | Independent Mortgage Company |
| 13 | Flagstar Bank, N.A. | 79 | 56 | 68 | 138 | Bank |
| 14 | NEWREZ LLC | 79 | 47 | 63 | 119 | Independent Mortgage Company |
| 15 | Plains Commerce Bank | 79 | 46 | 66 | 95 | Bank |
| 16 | THE LOAN STORE, INC. | 79 | 51 | 75 | 56 | Independent Mortgage Company |
| 17 | USAA Federal Savings Bank | 79 | 62 | 58 | 54 | Bank |
| 18 | Paramount Residential Mortgage Group, Inc. | 79 | 40 | 71 | 54 | Independent Mortgage Company |
| 19 | GUARANTEED RATE, INC. | 79 | 79 | 70 | 51 | Independent Mortgage Company |
| 20 | INSPIRE HOME LOANS INC. | 79 | 66 | 78 | 43 | Independent Mortgage Company |
| 21 | GUARANTEED RATE AFFINITY, LLC | 79 | 65 | 72 | 24 | Independent Mortgage Company |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 423 | Independent Mortgage Company |
| 23 | NFM, INC. | 75 | 40 | 83 | 111 | Independent Mortgage Company |
| 24 | T2 FINANCIAL LLC | 75 | 22 | 82 | 63 | Independent Mortgage Company |
| 25 | RMC HOME MORTGAGE, LLC | 74 | 45 | 72 | 138 | Independent Mortgage Company |
| 26 | PLAZA HOME MORTGAGE, INC. | 73 | 42 | 63 | 43 | Independent Mortgage Company |
| 27 | MUTUAL OF OMAHA MORTGAGE, INC. | 73 | 46 | 60 | 29 | Independent Mortgage Company |
| 28 | Mortgage Research Center, LLC | 71 | 34 | 61 | 242 | Independent Mortgage Company |
| 29 | DYBN FINANCIAL CORP. | 71 | 32 | 68 | 221 | Independent Mortgage Company |
| 30 | COASTAL LOANS, LLC | 71 | 22 | 78 | 193 | Independent Mortgage Company |
| 31 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 58 | Independent Mortgage Company |
| 32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 70 | 33 | 83 | 26 | Independent Mortgage Company |
| 33 | COMMUNITY CREDIT UNION of FLORIDA | 68 | 58 | 53 | 131 | Credit Union |
| 34 | EMBRACE HOME LOANS, INC. | 67 | 38 | 77 | 151 | Independent Mortgage Company |
| 35 | ZILLOW HOME LOANS, LLC | 67 | 39 | 68 | 60 | Independent Mortgage Company |
| 36 | GUILD MORTGAGE COMPANY LLC | 66 | 22 | 77 | 44 | Independent Mortgage Company |
| 37 | UNION HOME MORTGAGE CORP. | 66 | 25 | 79 | 42 | Independent Mortgage Company |
| 38 | BAY EQUITY LLC | 66 | 38 | 73 | 26 | Independent Mortgage Company |
| 39 | Equity Prime Mortgage LLC | 62 | 20 | 57 | 48 | Independent Mortgage Company |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 26 | 51 | 24 | Independent Mortgage Company |
| 41 | THE MORTGAGE FIRM, INC. | 60 | 16 | 73 | 534 | Independent Mortgage Company |
| 42 | EVERETT FINANCIAL, INC. | 60 | 9 | 75 | 92 | Independent Mortgage Company |
| 43 | ALKAN MORTGAGE CORPORATION | 60 | N/A | 89 | 65 | Independent Mortgage Company |
| 44 | DIRECT MORTGAGE LOANS, LLC | 57 | 6 | 70 | 92 | Independent Mortgage Company |
| 45 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 10 | 79 | 25 | Independent Mortgage Company |
| 46 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 58 | 50 | Independent Mortgage Company |
| 47 | NEW DAY FINANCIAL, LLC | 52 | 2 | 49 | 33 | 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.