Safe Rate Rankings

Best Mortgage Lenders in West Palm Beach

Updated February 5, 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 Lenders171

Total Loans14,483

Median Rate Spread0.35%

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