Mortgage Lenders and Brokers in Palm Bay, Florida
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Palm Bay, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3450 Bayside Lakes Blvd Se Ste 11, Palm Bay, FL 32909A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA2200 Harris Ave Ne, Palm Bay, FL 32905A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank1725 Palm Bay Rd Ne, Palm Bay, FL 32905A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA4710 Babcock St Ne, Palm Bay, FL 32905A+5.0 ★Texas Ratio: 4.14%, TD BankTD Bank1159 Malabar Rd Ne, Palm Bay, FL 32907A+5.0 ★Texas Ratio: 3.71%, PNC Bank N.A.PNC Bank N.A.122 Malabar Rd Sw, Palm Bay, FL 32907A+5.0 ★Texas Ratio: 4.24%, Space Coast Credit UnionSpace Coast Credit Union3555 Bayside Lakes Blvd SE, Palm Bay, FL 32909 6842A+5.0 ★Texas Ratio: 5.37%, Launch Credit UnionLaunch Credit Union5225 Babcock St NE, Palm Bay, FL 32905A5.0 ★Texas Ratio: 7.61%, Community Credit Union of FloridaCommunity Credit Union of Florida660 West Ave, Cocoa, FL 32927 4971A+5.0 ★Texas Ratio: 1.43%, and US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Palm Bay, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Palm Bay are listed first, then lenders elsewhere in Florida, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Palm Bay, Florida
Market share is the lender's share of all home loans closed in Palm Bay, Florida. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Palm Bay 3450 Bayside Lakes Blvd Se Ste 11, Palm Bay, FL 32909 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, VA, HELOC | 21 +9 HELOCs |
0.6% | 72.7% | $205,476 | View |
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1 office in Palm Bay 2200 Harris Ave Ne, Palm Bay, FL 32905 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA, VA | 18 | 0.5% | 69.2% | $247,777 | View |
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★ 1 stars, 1 review 2 offices in Palm Bay 1725 Palm Bay Rd Ne, Palm Bay, FL 32905 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, VA, HELOC | 14 +20 HELOCs |
0.4% | 58.3% | $283,571 | View |
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2 offices in Palm Bay 4710 Babcock St Ne, Palm Bay, FL 32905 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 8 +32 HELOCs |
0.2% | 66.7% | $255,000 | View |
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2 offices in Palm Bay 1159 Malabar Rd Ne, Palm Bay, FL 32907 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 8 +12 HELOCs |
0.2% | 53.3% | $116,250 | View |
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★ 1.7 stars, 3 reviews 2 offices in Palm Bay 122 Malabar Rd Sw, Palm Bay, FL 32907 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 4 +16 HELOCs |
0.1% | 71.4% | $257,500 | View |
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3555 Bayside Lakes Blvd SE, Palm Bay, FL 32909 6842 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 148 +174 HELOCs |
4% | 65.4% | $135,405 | View |
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5225 Babcock St NE, Palm Bay, FL 32905 A5.0 ★Texas Ratio: 7.61% |
Conventional | 57 | 1.5% | 53.3% | $113,771 | View |
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660 West Ave, Cocoa, FL 32927 4971 A+5.0 ★Texas Ratio: 1.43% |
Conventional, FHA, VA, HELOC | 25 +88 HELOCs |
0.7% | 76.5% | $155,400 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 23 +2 HELOCs |
0.6% | 56.1% | $270,652 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, VA, HELOC | 18 +7 HELOCs |
0.5% | 57.1% | $155,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, VA | 5 | 0.1% | 46.2% | $253,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, VA, HELOC | 4 +4 HELOCs |
0.1% | 62.5% | $165,000 | View |
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★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +2 HELOCs |
0.1% | 100% | $190,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 3 +2 HELOCs |
0.1% | 100% | $181,666 | View |
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★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 3 | 0.1% | 75% | $241,666 | View |
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★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
Conventional, FHA | 3 | 0.1% | 100% | $285,000 | View |
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18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 2 +1 HELOCs |
0.1% | 100% | $350,000 | View |
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★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18% |
Conventional | 2 | 0.1% | 22.2% | $140,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +4 HELOCs |
0% | 20% | $245,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, HELOC | 1 +1 HELOCs |
0% | 50% | $85,000 | View |
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5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65% |
Conventional | 1 | 0% | 100% | $145,000 | View |
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850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0% | 50% | $95,000 | View |
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2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
Conventional | 1 | 0% | 100% | $195,000 | View |
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891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0% | 50% | $325,000 | View |
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1301 N Congress Ave, Boynton Beach, FL 33426 A+5.0 ★Texas Ratio: 1.80% |
Conventional | 1 | 0% | 100% | $45,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0% | 50% | $205,000 | View |
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10970 San Jose Boulevard, Jacksonville, FL 32223 A+5.0 ★Texas Ratio: 4.01% |
FHA | 1 | 0% | 100% | $395,000 | View |
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3701 Tamiami Trl N, Naples, FL 34103 A+5.0 ★Texas Ratio: 3.12% |
FHA | 1 | 0% | 100% | $295,000 | View |
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8300 NW 53rd St, Doral, FL 33166 7710 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 0% | 100% | $55,000 | View |
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980 North Federal Highway Suite 110 30, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 3.10% |
Conventional | 1 | 0% | 100% | $235,000 | View |
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19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0% | 50% | $215,000 | View |
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22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14% |
VA | 1 | 0% | 100% | $355,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
VA | 1 | 0% | 100% | $185,000 | View |
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10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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8947 W Atlantic Blvd, Coral Springs, FL 33071 A5.0 ★Texas Ratio: 6.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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847 S Orange Blossom Trl, Apopka, FL 32703 A5.0 ★Texas Ratio: 6.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Mortgage Firm
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Conventional, FHA, VA | 132 | 3.5% | 99.3% | $276,742 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 120 | 3.2% | 85.8% | $310,000 | |
Coastal Loans, LLC
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Conventional, FHA, VA | 112 | 3% | 95.8% | $302,857 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 111 | 3% | 86.7% | $331,396 | |
Acrisure Mortgage, LLC
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Conventional, FHA, VA | 89 | 2.4% | 89.9% | $329,044 | |
K. Hovnanian American Mortgage
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Conventional, FHA, VA | 49 | 1.3% | 79% | $319,693 | |
DYBN Financial Corporation dba Morgan Financial
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Conventional, VA | 42 | 1.1% | 95.5% | $326,190 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 17 | 0.5% | 36.5% | $242,058 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 12 | 0.3% | 92.3% | $270,000 | View |
Alkan Mortgage Corporation
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Conventional, FHA, VA | 11 | 0.3% | 100% | $276,818 | |
New Day Financial, LLC.
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VA | 8 | 0.2% | 28.6% | $308,750 | |
Builders Choice Mortgage LLC
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Conventional, FHA, VA | 5 | 0.1% | 100% | $291,000 | |
Obsidian Financial Services
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FHA, VA | 3 | 0.1% | 100% | $305,000 | |
Nqm Funding, LLC
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Conventional, VA | 3 | 0.1% | 75% | $335,000 | |
Reliable Holdings Manager dba Lendz Financial
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Conventional | 3 | 0.1% | 100% | $228,333 | |
Mortgage Lenders Investment Tr
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Conventional, FHA | 3 | 0.1% | 75% | $138,333 | |
PHH Mortgage Corporation
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Conventional, VA | 2 | 0.1% | 66.7% | $340,000 | |
American Bancshares Mortgage, LLC
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Conventional, FHA | 2 | 0.1% | 100% | $130,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA | 1 | 0% | 100% | $245,000 | |
Mortgage300 Corporation
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FHA | 1 | 0% | 100% | $315,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 517 +7 HELOCs |
13.9% | 84.2% | $294,787 | |
Rocket Mortgage
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Conventional, FHA, VA | 292 | 7.8% | 76.3% | $207,020 | |
RMC Home Mortgage, LLC
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Conventional, FHA, VA | 177 | 4.8% | 94.1% | $310,932 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 123 | 3.3% | 73.4% | $325,081 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 88 | 2.4% | 94.6% | $313,068 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 71 +4 HELOCs |
1.9% | 56.3% | $219,929 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA | 68 | 1.8% | 68% | $276,764 | View |
Mortgage Research Center
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Conventional, FHA, VA | 67 | 1.8% | 57.1% | $319,179 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 66 | 1.8% | 80.5% | $222,272 | |
Nfm, Inc
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Conventional, FHA, VA | 64 | 1.7% | 100% | $420,781 | |
Embrace Home Loans, Inc.
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Conventional, FHA, VA | 54 | 1.5% | 90.8% | $317,962 | |
New American Funding, LLC.
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Conventional, FHA, VA, HELOC | 43 +2 HELOCs |
1.2% | 84.3% | $239,418 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 40 +20 HELOCs |
1.1% | 65.1% | $211,500 | |
Inspire Home Loans Inc.
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Conventional, FHA, VA | 35 | 0.9% | 79.5% | $283,285 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, USDA | 33 | 0.9% | 94.4% | $268,333 | View |
Zillow Home Loans, LLC
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Conventional, FHA, VA | 32 | 0.9% | 88.9% | $250,937 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional, FHA, VA | 30 | 0.8% | 96.8% | $290,333 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA, VA | 30 | 0.8% | 96.8% | $223,333 | View |
Nationstar Mortgage
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Conventional, FHA, VA | 29 | 0.8% | 78.4% | $178,103 | |
Kind Lending, LLC
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Conventional, FHA, VA, HELOC | 28 +1 HELOCs |
0.8% | 71.8% | $298,214 | |
Equity Prime Mortgage LLC
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Conventional, FHA, VA | 23 | 0.6% | 71.9% | $302,391 | |
The Loan Store, Inc
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Conventional, FHA, VA, HELOC | 21 +4 HELOCs |
0.6% | 92% | $277,857 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 19 | 0.5% | 30.8% | $158,684 | |
SWBC Mortgage Corporation
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Conventional, FHA, VA | 18 | 0.5% | 100% | $192,222 | |
Guild Mortgage Company
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Conventional, FHA, VA | 18 | 0.5% | 91.7% | $268,888 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 18 | 0.5% | 100% | $253,333 | |
Everett Financial, Inc.
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Conventional, FHA, VA | 17 | 0.5% | 72% | $215,588 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 17 | 0.5% | 85% | $300,294 | |
Primary Residential Mortgage, INC.
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Conventional, FHA, VA | 16 | 0.4% | 94.1% | $195,625 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 15 | 0.4% | 65.2% | $282,333 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA, VA | 14 | 0.4% | 88.9% | $238,571 | |
American Financial Resources LLC
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Conventional, FHA, VA | 13 | 0.3% | 100% | $294,230 | |
First Heritage Mortgage, LLC
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Conventional, FHA, VA | 13 | 0.3% | 100% | $328,846 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 12 | 0.3% | 80% | $276,666 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 11 | 0.3% | 92.9% | $256,818 | |
American Financial Network, Inc.
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Conventional, FHA, VA | 11 | 0.3% | 61.1% | $295,909 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional, FHA | 11 | 0.3% | 78.6% | $197,727 | View |
Direct Mortgage Loans, LLC
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Conventional, FHA, VA | 11 | 0.3% | 100% | $254,090 | |
Spring Eq, LLC
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Conventional, HELOC | 10 +11 HELOCs |
0.3% | 34.2% | $72,000 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, VA, HELOC | 10 +5 HELOCs |
0.3% | 90.9% | $332,000 | |
AmeriHome Mortgage Company, LLC
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FHA, VA | 10 | 0.3% | 100% | $327,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional, FHA, VA | 10 | 0.3% | 66.7% | $247,000 | View |
Village Capital & Investment
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FHA, VA | 10 | 0.3% | 70.3% | $355,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 8 +1 HELOCs |
0.2% | 80% | $292,500 | |
Primelending
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Conventional, FHA, VA | 8 | 0.2% | 66.7% | $291,250 | |
Loanunited.Com, LLC
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FHA, VA | 8 | 0.2% | 72.7% | $297,500 | |
AdvantageFirst Lending Inc
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FHA, VA | 8 | 0.2% | 88.9% | $312,500 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 8 | 0.2% | 60% | $243,750 | View |
T2 Financial LLC
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Conventional, FHA, VA | 8 | 0.2% | 100% | $256,250 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 8 | 0.2% | 88.9% | $230,000 | View |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 8 | 0.2% | 100% | $283,750 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, VA | 8 | 0.2% | 32.4% | $248,750 | View |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 8 | 0.2% | 88.9% | $303,750 | |
Goodleap, LLC
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Conventional, FHA, VA, HELOC | 7 +12 HELOCs |
0.2% | 69.2% | $249,285 | |
First Community Mortgage, Inc.
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Conventional, FHA, VA | 7 | 0.2% | 100% | $306,428 | |
Click n' Close, Inc.
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Conventional, FHA | 7 | 0.2% | 100% | $197,857 | |
Towne Mortgage Company
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Conventional, FHA | 7 | 0.2% | 77.8% | $267,857 | |
Top Flite Financial, Inc.
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Conventional, FHA | 7 | 0.2% | 100% | $209,285 | |
Mortgage Solutions of Colorado
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VA | 6 | 0.2% | 100% | $353,333 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA, VA | 6 | 0.2% | 66.7% | $215,000 | View |
American Neighborhood Mortgage Acceptance Company
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FHA, VA | 6 | 0.2% | 100% | $338,333 | |
JMAC Lending, Inc.
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Conventional, FHA, VA | 6 | 0.2% | 100% | $305,000 | |
Discover Bank
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Conventional | 5 | 0.1% | 13.5% | $59,000 | |
Flexpoint, Inc.
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Conventional, FHA | 5 | 0.1% | 100% | $239,000 | |
Mid-Continent Funding, Inc.
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FHA, VA | 5 | 0.1% | 83.3% | $243,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 5 | 0.1% | 55.6% | $239,000 | |
Champions Funding, LLC
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Conventional | 5 | 0.1% | 83.3% | $203,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 4 | 0.1% | 100% | $220,000 | View |
Norwich Commercial Group Inc
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Conventional, FHA | 4 | 0.1% | 80% | $110,000 | |
Bayshore Mortgage Funding
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Conventional, FHA | 4 | 0.1% | 100% | $297,500 | |
American Financing Corporation
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Conventional, FHA | 4 | 0.1% | 46.2% | $202,500 | |
Bay Equity LLC
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Conventional, FHA | 4 | 0.1% | 100% | $262,500 | |
Cardinal Financial Company, Li
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Conventional, FHA, VA | 4 | 0.1% | 75% | $315,000 | |
Stg Mortgage Inc
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Conventional, FHA | 4 | 0.1% | 100% | $310,000 | |
Intelliloan, Inc.
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FHA | 4 | 0.1% | 100% | $397,500 | |
Mortgage Equity Partners LLC
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Conventional, FHA | 4 | 0.1% | 80% | $252,500 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 4 | 0.1% | 100% | $315,000 | View |
Genway Home Mortgage, Inc.
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Conventional, FHA | 4 | 0.1% | 100% | $225,000 | |
Mutual of Omaha Mortgage
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FHA | 4 | 0.1% | 57.1% | $212,500 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 4 | 0.1% | 50% | $150,000 | View |
EMM Loans LLC
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Conventional, FHA | 3 | 0.1% | 100% | $255,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 3 | 0.1% | 75% | $295,000 | |
Affordable Mortgage Advisors
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FHA, VA | 3 | 0.1% | 100% | $345,000 | |
Nbkc Bank
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Conventional, VA | 3 | 0.1% | 100% | $305,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional, FHA | 3 | 0.1% | 75% | $178,333 | |
AmWest Funding Corp
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Conventional | 3 | 0.1% | 100% | $295,000 | |
Sun West Mortgage Company, Inc
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Conventional, FHA, VA | 3 | 0.1% | 66.7% | $248,333 | |
Absolute Home Mortgage
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Conventional, FHA | 3 | 0.1% | 75% | $178,333 | |
Capital Partners Mortgage Services, LLC
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FHA | 3 | 0.1% | 100% | $335,000 | |
Provident Funding Associates
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Conventional | 3 | 0.1% | 75% | $301,666 | |
Hometown Equity Mortgage, LLC
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Conventional, FHA | 3 | 0.1% | 50% | $378,333 | |
Mission Loans, LLC
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FHA | 3 | 0.1% | 80% | $195,000 | |
Tjc Mortgage Inc
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Conventional, FHA, VA | 3 | 0.1% | 100% | $375,000 | |
TowneBank
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Conventional, FHA | 3 | 0.1% | 100% | $311,666 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 3 | 0.1% | 100% | $131,666 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, VA | 3 | 0.1% | 100% | $415,000 | View |
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A5.0 ★Texas Ratio: 8.28% |
Conventional, FHA | 3 | 0.1% | 100% | $98,333 | View |
Leaderone Financial Corp.
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Conventional | 3 | 0.1% | 100% | $141,666 | |
Pentagon Federal Credit Union
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Conventional, VA, HELOC | 2 +2 HELOCs |
0.1% | 50% | $305,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 2 +1 HELOCs |
0.1% | 25% | $265,000 | |
Cadence Bank
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Conventional | 2 | 0.1% | 100% | $200,000 | |
Royal United Mortgage LLC
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Conventional, FHA | 2 | 0.1% | 50% | $80,000 | |
Go Mortgage, LLC
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Conventional, VA | 2 | 0.1% | 100% | $440,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 0.1% | 75% | $180,000 | |
Envoy Mortgage, Ltd
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Conventional, VA | 2 | 0.1% | 100% | $260,000 | |
Brighton Bank
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FHA, VA | 2 | 0.1% | 100% | $275,000 | |
Guidance Residential, LLC
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Conventional | 2 | 0.1% | 100% | $210,000 | |
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A+5.0 ★Texas Ratio: 1.71% |
Conventional, FHA | 2 | 0.1% | 100% | $140,000 | View |
Securitynational Mortgage Company
|
Conventional, FHA | 2 | 0.1% | 100% | $145,000 | |
American Federal Mortgage Corporation
|
Conventional, Jumbo | 2 | 0.1% | 100% | $630,000 | |
First Colony Mortgage Corporat
|
Conventional, FHA | 2 | 0.1% | 100% | $265,000 | |
Waterstone Mortgage Corporation
|
Conventional | 2 | 0.1% | 100% | $155,000 | |
Castle & Cooke Mortgage, LLC
|
Conventional, FHA | 2 | 0.1% | 100% | $200,000 | |
|
A+5.0 ★Texas Ratio: 2.15% |
Conventional, FHA | 2 | 0.1% | 100% | $275,000 | View |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 2 | 0.1% | 100% | $240,000 | View |
Nmsi, Inc.
|
Conventional | 2 | 0.1% | 100% | $265,000 | |
Pulte Mortgage LLC
|
Conventional, FHA | 2 | 0.1% | 66.7% | $240,000 | |
Angel Oak Mortgage Solutions LLC
|
Conventional | 2 | 0.1% | 100% | $340,000 | |
Tomo Mortgage LLC
|
Conventional | 2 | 0.1% | 66.7% | $260,000 | |
Valon Mortgage
|
FHA, HELOC | 1 +2 HELOCs |
0% | 100% | $215,000 | |
Northrop Grumman Federal Credit Union
|
Conventional, HELOC | 1 +2 HELOCs |
0% | 66.7% | $105,000 | |
Kinecta Federal Credit Union
|
Conventional, HELOC | 1 +1 HELOCs |
0% | 100% | $205,000 | |
Originpoint, LLC
|
FHA | 1 | 0% | 100% | $265,000 | |
|
A5.0 ★Texas Ratio: 13.21% |
VA | 1 | 0% | 100% | $475,000 | View |
Tidewater Mortgage Services, Inc
|
Conventional | 1 | 0% | 100% | $145,000 | |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
Conventional | 1 | 0% | 100% | $825,000 | View |
Residential Wholesale Mortgage
|
VA | 1 | 0% | 100% | $535,000 | |
HomePromise Corporation
|
VA | 1 | 0% | 33.3% | $295,000 | |
|
A+5.0 ★Texas Ratio: 2.49% |
Conventional | 1 | 0% | 100% | $65,000 | View |
|
A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0% | 100% | $335,000 | View |
United Poles FCU
|
Conventional | 1 | 0% | 100% | $345,000 | |
|
A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0% | 100% | $235,000 | View |
MortgageOne, Inc
|
Conventional | 1 | 0% | 100% | $205,000 | |
All Credit Considered Mortgage, Inc.
|
Conventional | 1 | 0% | 100% | $225,000 | |
ALCOVA Mortgage, LLC
|
VA | 1 | 0% | 100% | $305,000 | |
Loansteady LLC
|
FHA | 1 | 0% | 100% | $385,000 | |
United Trust Bank
|
FHA | 1 | 0% | 50% | $245,000 | |
Deephaven Mortgage LLC
|
Conventional | 1 | 0% | 100% | $245,000 | |
General Mortgage Capital Corporation
|
Conventional | 1 | 0% | 100% | $315,000 | |
Catalyst Mortgage
|
VA | 1 | 0% | 100% | $415,000 | |
Brookhollow Mortgage Services, Ltd
|
Conventional | 1 | 0% | 100% | $385,000 | |
Homestead Funding Corp.
|
Conventional | 1 | 0% | 100% | $315,000 | |
ResMac Inc
|
Conventional | 1 | 0% | 100% | $325,000 | |
|
A+5.0 ★Texas Ratio: 2.18% |
Conventional | 1 | 0% | 100% | $195,000 | View |
|
A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0% | 100% | $275,000 | View |
Michigan Mutual, Inc
|
FHA | 1 | 0% | 100% | $275,000 | |
PFN Lending Group, Inc.
|
FHA | 1 | 0% | 100% | $385,000 | |
Mortgage Assurance Inc
|
Conventional | 1 | 0% | 100% | $125,000 | |
Willow Bend Mortgage Company, LLC
|
Conventional | 1 | 0% | 100% | $645,000 | |
NJ Lenders Corp
|
Conventional | 1 | 0% | 100% | $245,000 | |
Success Mortgage Partners, Inc
|
Conventional | 1 | 0% | 100% | $215,000 | |
City 1st Mortgage Services, LC
|
Conventional | 1 | 0% | 100% | $245,000 | |
Police and Fire Federal Credit Union
|
Conventional | 1 | 0% | 100% | $75,000 | |
Royal Pacific Funding
|
Conventional | 1 | 0% | 100% | $305,000 | |
Das Acquisition Company, LLC
|
Conventional | 1 | 0% | 100% | $325,000 | |
MLB Residential Lending, LLC
|
Conventional | 1 | 0% | 50% | $385,000 | |
Nation One Mortgage Corporatio
|
FHA | 1 | 0% | 100% | $285,000 | |
VanDyk Mortgage Corporation
|
FHA | 1 | 0% | 100% | $355,000 | |
ClearPath Lending
|
VA | 1 | 0% | 100% | $405,000 | |
Warshaw Capital, LLC
|
Conventional | 1 | 0% | 100% | $215,000 | |
Kwik Mortgage Corporation
|
Conventional | 1 | 0% | 100% | $405,000 | |
Midwest Mortgage Associates Corp
|
FHA | 1 | 0% | 100% | $315,000 | |
First World Mortgage Corporaton
|
FHA | 1 | 0% | 100% | $305,000 | |
Calcon Mutual Mortgage LLC
|
FHA | 1 | 0% | 100% | $185,000 | |
My Mortgage, Inc
|
Conventional | 1 | 0% | 100% | $295,000 | |
Point Mortgage Corp
|
Conventional | 1 | 0% | 100% | $175,000 | |
Capital Center LLC
|
Conventional | 1 | 0% | 100% | $355,000 | |
First Community Credit Union
|
Conventional | 1 | 0% | 100% | $365,000 | |
Premier Lending Inc.
|
FHA | 1 | 0% | 100% | $305,000 | |
Evergreen Moneysource Mortgage Company
|
FHA | 1 | 0% | 100% | $215,000 | |
CityWorth Mortgage LLC
|
Conventional | 1 | 0% | 100% | $255,000 | |
Loanleaders of America, Inc
|
VA | 1 | 0% | 100% | $315,000 | |
Churchill Mortgage Corporation
|
Conventional | 1 | 0% | 100% | $215,000 | |
Universal Lending Corporation
|
Conventional | 1 | 0% | 100% | $325,000 | |
The Equitable Mortgage Corporation
|
FHA | 1 | 0% | 100% | $385,000 | |
1st Financial, Inc.
|
Conventional | 1 | 0% | 100% | $175,000 | |
|
A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0% | 100% | $315,000 | View |
|
A+5.0 ★Texas Ratio: 3.83% |
FHA | 1 | 0% | 100% | $265,000 | View |
Gardner Financial Services
|
Conventional | 1 | 0% | 100% | $245,000 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 1 | 0% | 50% | $265,000 | |
South Carolina Federal Credit
|
Conventional | 1 | 0% | 100% | $505,000 | |
|
A-4.8 ★Texas Ratio: 12.33% |
VA | 1 | 0% | 100% | $305,000 | View |
Megastar Finanacial Corp
|
VA | 1 | 0% | 100% | $485,000 | |
Bank Ozk
|
Conventional | 1 | 0% | 100% | $225,000 | |
Stockton Mortgage Corporation
|
Conventional | 1 | 0% | 20% | $295,000 | |
Ardri LLC
|
Conventional | 1 | 0% | 100% | $265,000 | |
Bay Capital Mortgage Corporation
|
Conventional | 1 | 0% | 100% | $195,000 | |
Iserve Residential Lending
|
Conventional | 1 | 0% | 100% | $215,000 | |
Keystone Funding, Inc
|
Conventional | 1 | 0% | 100% | $155,000 | |
Logan Finance Corporation
|
Conventional | 1 | 0% | 100% | $335,000 | |
RoundPoint Mortgage Servicing LLC
|
Conventional | 1 | 0% | 100% | $105,000 | |
Citadel Servicing Corporation
|
Conventional | 1 | 0% | 100% | $395,000 | |
Nations Direct Mortgage, LLC
|
FHA | 1 | 0% | 100% | $275,000 | |
Summit Funding.Inc
|
FHA | 1 | 0% | 100% | $305,000 | |
Nationwide Mortgage Bankers, Inc.
|
FHA | 1 | 0% | 100% | $285,000 | |
ClearEdge Lending LLC
|
Conventional | 1 | 0% | 100% | $425,000 | |
|
A+5.0 ★Texas Ratio: 4.12% |
Conventional | 1 | 0% | 100% | $355,000 | View |
Geneva Financial LLC
|
FHA | 1 | 0% | 100% | $165,000 | |
Thrivent Bank
|
Conventional | 1 | 0% | 100% | $15,000 | |
Nexera Holding LLC
|
Conventional | 1 | 0% | 50% | $235,000 | |
Reliance First Capital, LLC
|
Conventional | 1 | 0% | 100% | $135,000 | |
Loan Simple, Inc.
|
FHA | 1 | 0% | 100% | $265,000 | |
Vista Point Mortgage, LLC
|
Conventional | 1 | 0% | 66.7% | $235,000 | |
Polish & Slavic Federal Credit
|
Conventional | 1 | 0% | 100% | $105,000 | |
Figure Lending LLC
|
HELOC | 0 +19 HELOCs |
0% | n/a | ||
Coastal Community Bank
|
HELOC | 0 +15 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +9 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Citizens Equity First Credit U
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
All In Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Palm Bay Mortgage Rate Trends
Daily average mortgage rates for Florida compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Palm Bay, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Palm Bay? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Palm Bay in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Palm Bay, FL
Use these to narrow the list above. Each category shows how many Palm Bay, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Palm Bay, FL
Independent mortgage companies closed 85.5 percent of home loans in Palm Bay, Florida in 2025, banks 6.8 percent and credit unions 7.7 percent. The Mortgage Firm was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, Space Coast Credit Union led with 148 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.
More Florida Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Palm Bay, FL
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Palm Bay, Florida with 21 loans, about 0.6 percent of the market. The largest lender headquartered in Florida was Space Coast Credit Union with 148 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Palm Bay, Florida, Nfm, Inc approved the highest share of completed applications in 2025 at 100 percent, against a 77.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
139 lenders closed FHA loans in Palm Bay, Florida in 2025, led by United Wholesale Mortgage with 202. 102 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 54 banks and 28 credit unions closed home loans in Palm Bay, Florida in 2025, alongside 189 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Palm Bay, Florida during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Palm Bay, Florida for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Palm Bay. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
