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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 Mortgage Lenders in West Palm Beach

Updated February 5, 2026

Market Overview

171

Total Lenders

14,483

Total Loans

0.35%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Strong	$332	-0.521%	125
2	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Strong	$2,817	+0.054%	237
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$289	-0.319%	78
4	Citibank, National Association	Exceptional	Exceptional	Sound	Strong	$1,005	-0.214%	74
5	Valley National Bank	Exceptional	Exceptional	Strong	Sound	$1,333	-0.202%	35
6	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,393	+0.320%	2,563
7	Bank of America, National Association	Strong	Strong	Strong	Strong	$1,274	-0.327%	207
8	U.S. Bank National Association	Strong	Strong	Strong	Strong	$469	+0.030%	127
9	Citizens Bank, National Association	Strong	Strong	Strong	Strong	$1,367	-0.176%	66
10	PROVIDENT FUNDING ASSOCIATES, L.P.	Strong	Exceptional	Sound	Sound	$1,719	-0.098%	59
11	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Exceptional	$2,327	+0.152%	484
12	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$1,961	-0.123%	208
13	City National Bank of Florida	Strong	Strong	Sound	Strong	$1,661	-0.694%	96
14	Truist Bank	Strong	Strong	Strong	Sound	$1,462	+0.023%	61
15	PNC Bank, National Association	Strong	Strong	Strong	Sound	$865	+0.014%	43
16	Third Federal Savings and Loan Association of Cleveland	Strong	Strong	Strong	Sound	$601	+0.004%	37
17	Fifth Third Bank, National Association	Strong	Strong	Strong	Sound	$1,145	-0.054%	36
18	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,463	+0.291%	1,204
19	THE MORTGAGE FIRM, INC.	Strong	Acceptable	Exceptional	Exceptional	$3,836	+0.422%	235
20	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$2,030	+0.225%	212
21	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$1,946	+0.222%	196
22	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$3,507	+0.316%	174
23	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$3,497	+0.337%	147
24	Northpointe Bank	Strong	Sound	Strong	Strong	$3,329	+0.418%	57
25	UBS Bank USA	Strong	Strong	Sound	Sound	$928	+0.023%	37
26	SPACE COAST CREDIT UNION	Strong	Strong	Sound	Sound	$791	-0.162%	33
27	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$3,866	+0.519%	1,235
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$3,822	+0.451%	187
29	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$4,114	+0.328%	114
30	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Sound	Strong	$2,457	+0.075%	88
31	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$3,408	+0.549%	83
32	TD Bank, National Association	Strong	Sound	Sound	Strong	$872	+0.166%	79
33	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$4,044	+0.443%	73
34	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	$3,178	+0.364%	67
35	First Horizon Bank	Strong	Sound	Strong	Sound	$1,481	+0.174%	43
36	J. VIRGIL, INC.	Strong	Acceptable	Exceptional	Strong	$2,587	+0.199%	42
37	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Strong	$4,400	+0.631%	282
38	Flagstar Bank, N.A.	Strong	Acceptable	Strong	Strong	$3,366	+0.387%	246
39	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,536	+0.249%	96
40	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$3,215	+0.515%	95
41	LOWER, LLC	Strong	Acceptable	Strong	Strong	$2,958	+0.358%	90
42	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Strong	Strong	$3,459	+0.455%	83
43	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$1,244	+0.700%	82
44	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Strong	Strong	$4,006	+0.215%	78
45	KIND LENDING, LLC	Strong	Acceptable	Strong	Strong	$4,055	+0.486%	78
46	Plains Commerce Bank	Strong	Acceptable	Strong	Strong	$4,124	+0.540%	69
47	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	$4,427	+0.489%	68
48	NFM, INC.	Strong	Acceptable	Exceptional	Sound	$4,086	+0.391%	60
49	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Sound	$3,384	+0.417%	39
50	PLANET HOME LENDING, LLC	Strong	Acceptable	Exceptional	Sound	$3,045	+0.323%	39

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.

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