Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,433Fees	0.272%Above	214
2	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,886Fees	0.223%Above	83
3	SPACE COAST CREDIT UNIONCredit Union	Strong	Strong	Sound	Strong	$553Fees	0.393%Above	34
4	MIDFLORIDACredit Union	Strong	Strong	Sound	Strong	$660Fees	0.087%Above	29
5	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$1,996Fees	0.121%Below	24
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,135Fees	0.376%Above	209
7	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,319Fees	0.034%Above	40
8	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,426Fees	0.216%Above	75
9	BAYSHORE MORTGAGE FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,750Fees	0.379%Above	63
10	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,512Fees	0.465%Above	61
11	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,753Fees	0.461%Above	51
12	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,609Fees	0.301%Above	51
13	COASTAL LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$5,772Fees	0.327%Above	36
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,344Fees	0.121%Above	28
15	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,806Fees	0.380%Above	25
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,189Fees	0.698%Above	61
17	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,899Fees	0.134%Above	45
18	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,105Fees	0.230%Above	34
19	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,025Fees	0.617%Above	29
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,386Fees	0.575%Above	25
21	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,572Fees	0.414%Above	48
22	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,279Fees	0.547%Above	45
23	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$3,147Fees	0.644%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.