Safe Rate Rankings

Best Conventional Mortgage Bank 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 Lenders20

Total Loans14,483

Median Rate Spread0.35%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,005Fees	0.214%Below	74
2	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,274Fees	0.327%Below	207
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$469Fees	0.030%Above	127
4	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$332Fees	0.521%Below	125
5	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,327Fees	0.152%Above	484
6	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,961Fees	0.123%Below	208
7	City National Bank of FloridaBank	Exceptional	Exceptional	Sound	Sound	Strong	$1,661Fees	0.694%Below	96
8	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,367Fees	0.176%Below	66
9	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,462Fees	0.023%Above	61
10	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$865Fees	0.014%Above	43
11	Third Federal Savings and Loan Association of ClevelandBank	Exceptional	Strong	Exceptional	Strong	Sound	$601Fees	0.004%Above	37
12	Valley National BankBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,333Fees	0.202%Below	35
13	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,329Fees	0.418%Above	57
14	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,145Fees	0.054%Below	36
15	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,481Fees	0.174%Above	43
16	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,366Fees	0.387%Above	246
17	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$872Fees	0.166%Above	79
18	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$4,124Fees	0.540%Above	69
19	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Sound	$953Fees	0.279%Below	36
20	UBS Bank USABank	Strong	Strong	Sound	Acceptable	Sound	$928Fees	0.023%Above	37

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.