Safe Rate Rankings

Best Conventional Mortgage Lenders in Sebastian

Updated May 26, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders42

Total Loans1,765

Median Rate Spread0.26%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,475Fees	0.853%Below	14
2	SouthState Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,886Fees	0.223%Above	83
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,996Fees	0.121%Below	24
4	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,454Fees	0.199%Above	19
5	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$83Credit	0.087%Above	12
6	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Acceptable	$3,191Fees	0.058%Below	10
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,433Fees	0.272%Above	214
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,135Fees	0.376%Above	209
9	SPACE COAST CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Strong	$553Fees	0.393%Above	34
10	MIDFLORIDACredit Union	Strong	Strong	Strong	Sound	Strong	$660Fees	0.087%Above	29
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,643Fees	0.055%Above	15
12	City National Bank of FloridaBank	Strong	Exceptional	Sound	Sound	Sound	$1,467Fees	0.019%Below	11
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,344Fees	0.121%Above	28
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,806Fees	0.380%Above	25
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,426Fees	0.216%Above	75
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,189Fees	0.698%Above	61
17	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,512Fees	0.465%Above	61
18	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,609Fees	0.301%Above	51
19	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,279Fees	0.547%Above	45
20	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,105Fees	0.230%Above	34
21	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,025Fees	0.617%Above	29
22	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,340Fees	0.200%Above	17
23	BAYSHORE MORTGAGE FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$4,750Fees	0.379%Above	63
24	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,572Fees	0.414%Above	48
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,386Fees	0.575%Above	25
26	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,990Fees	0.604%Above	17
27	Seacoast National BankBank	Strong	Sound	Sound	Sound	Strong	$1,626Fees	0.185%Above	16
28	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,131Fees	0.409%Above	13
29	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,156Fees	0.012%Above	11
30	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,899Fees	0.134%Above	45
31	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Exceptional	$4,753Fees	0.461%Above	51
32	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,147Fees	0.644%Above	27
33	FBC MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$1,509Fees	0.408%Above	14
34	ACOPIA, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$4,350Fees	0.412%Above	14
35	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$3,097Fees	0.293%Above	19
36	COASTAL LOANS, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Strong	$5,772Fees	0.327%Above	36

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.