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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 Lenders in Sebastian
Updated February 5, 2026
Market Overview
42
Total Lenders
1,765
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,433 | +0.272% | 214 | |
2 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $1,886 | +0.223% | 83 | |
3 | SPACE COAST CREDIT UNION | Strong | Strong | Sound | Strong | $553 | +0.393% | 34 | |
4 | MIDFLORIDA | Strong | Strong | Sound | Strong | $660 | +0.087% | 29 | |
5 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,996 | -0.121% | 24 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,135 | +0.376% | 209 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,319 | +0.034% | 40 | |
8 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,426 | +0.216% | 75 | |
9 | BAYSHORE MORTGAGE FUNDING, LLC | Strong | Acceptable | Strong | Exceptional | $4,750 | +0.379% | 63 | |
10 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,512 | +0.465% | 61 | |
11 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,753 | +0.461% | 51 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,609 | +0.301% | 51 | |
13 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Strong | $5,772 | +0.327% | 36 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,344 | +0.121% | 28 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,806 | +0.380% | 25 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,189 | +0.698% | 61 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,899 | +0.134% | 45 | |
18 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,105 | +0.230% | 34 | |
19 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,025 | +0.617% | 29 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $3,386 | +0.575% | 25 | |
21 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,572 | +0.414% | 48 | |
22 | TOTAL MORTGAGE SERVICES, LLC | Sound | Mediocre | Exceptional | Strong | $3,279 | +0.547% | 45 | |
23 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | $3,147 | +0.644% | 27 |
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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