Safe Rate Rankings

Best Mortgage Companie 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	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,135Fees	0.376%Above	209
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,319Fees	0.034%Above	40
4	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,426Fees	0.216%Above	75
5	BAYSHORE MORTGAGE FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,750Fees	0.379%Above	63
6	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,512Fees	0.465%Above	61
7	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,753Fees	0.461%Above	51
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,609Fees	0.301%Above	51
9	COASTAL LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$5,772Fees	0.327%Above	36
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,344Fees	0.121%Above	28
11	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,189Fees	0.698%Above	61
12	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,899Fees	0.134%Above	45
13	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,025Fees	0.617%Above	29
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,386Fees	0.575%Above	25
15	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,572Fees	0.414%Above	48
16	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,279Fees	0.547%Above	45
17	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.