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