Safe Rate Rankings

Best Mortgage Lenders in West Palm Beach

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders171

Total Loans14,483

Median Rate Spread0.35%

West Palm Beach Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked lender in West Palm Beach, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in West Palm Beach: Bank: Morgan Stanley Private Bank National Association (#2). Credit union: Navy Federal Credit Union (#7). Mortgage company: United Wholesale Mortgage (#1).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In West Palm Beach, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in West Palm Beach, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in West Palm Beach: Rocket Mortgage (#5) and United Wholesale Mortgage (#1).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$3,393Fees	0.320%Above	2,563
2	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Strong	$332Fees	0.521%Below	125
3	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	$2,817Fees	0.054%Above	237
4	Bank of America, National Association BankDirect	Strong	Strong	Strong	Strong	$1,274Fees	0.327%Below	207
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,463Fees	0.291%Above	1,204
6	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Strong	$469Fees	0.030%Above	127
7	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$289Fees	0.319%Below	78
8	City National Bank of Florida BankDirect	Strong	Strong	Sound	Strong	$1,661Fees	0.694%Below	96
9	Valley National Bank BankDirect	Strong	Exceptional	Strong	Sound	$1,333Fees	0.202%Below	35
10	Citibank, National Association BankDirect	Strong	Exceptional	Sound	Strong	$1,005Fees	0.214%Below	74
11	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$2,327Fees	0.152%Above	484
12	Truist Bank BankDirect	Strong	Strong	Strong	Sound	$1,462Fees	0.023%Above	61
13	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,030Fees	0.225%Above	212
14	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Strong	$1,961Fees	0.123%Below	208
15	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Sound	$1,719Fees	0.098%Below	59
16	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Strong	Strong	$3,366Fees	0.387%Above	246
17	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,946Fees	0.222%Above	196
18	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,497Fees	0.337%Above	147
19	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$1,367Fees	0.176%Below	66
20	Third Federal Savings and Loan Association of Cleveland BankDirect	Strong	Strong	Strong	Sound	$601Fees	0.004%Above	37
21	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$3,866Fees	0.519%Above	1,235
22	SPACE COAST CREDIT UNION Credit UnionDirect	Strong	Strong	Sound	Sound	$791Fees	0.162%Below	33
23	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Sound	$865Fees	0.014%Above	43
24	THE MORTGAGE FIRM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,836Fees	0.422%Above	235
25	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$4,044Fees	0.443%Above	73
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,822Fees	0.451%Above	187
27	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$3,507Fees	0.316%Above	174
28	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$4,114Fees	0.328%Above	114
29	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	$3,215Fees	0.515%Above	95
30	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$4,400Fees	0.631%Above	282
31	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$3,045Fees	0.323%Above	39
32	Fifth Third Bank, National Association BankDirect	Sound	Strong	Strong	Sound	$1,145Fees	0.054%Below	36
33	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$3,408Fees	0.549%Above	83
34	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	$4,055Fees	0.486%Above	78
35	First Horizon Bank BankDirect	Sound	Sound	Strong	Sound	$1,481Fees	0.174%Above	43
36	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	$4,371Fees	0.610%Above	254
37	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	$3,178Fees	0.364%Above	67
38	UBS Bank USA BankDirect	Sound	Strong	Sound	Sound	$928Fees	0.023%Above	37
39	TD Bank, National Association BankDirect	Sound	Sound	Sound	Strong	$872Fees	0.166%Above	79
40	NFM, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$4,086Fees	0.391%Above	60
41	Northpointe Bank BankDirect	Sound	Sound	Strong	Strong	$3,329Fees	0.418%Above	57
42	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$2,958Fees	0.358%Above	90
43	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$1,244Fees	0.700%Above	82
44	Plains Commerce Bank BankWholesale	Sound	Acceptable*	Strong	Strong	$4,124Fees	0.540%Above	69
45	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	$4,427Fees	0.489%Above	68
46	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Sound	Sound	$1,022Fees	0.190%Above	34
47	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Sound	Strong	$3,256Fees	0.405%Above	150
48	ABSOLUTE HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$5,074Fees	0.641%Above	144
49	AMERIHOME MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Sound	Strong	$2,457Fees	0.075%Above	88
50	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$3,459Fees	0.455%Above	83

❓ Frequently Asked Questions

How are mortgage lenders ranked in West Palm Beach?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in West Palm Beach), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in West Palm Beach?+

Based on 2024 HMDA data, 171 lenders originated a combined 14,483 loans in West Palm Beach. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in West Palm Beach?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in West Palm Beach is 0.35%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In West Palm Beach's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.