Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$289Fees	0.319%Below	78
2	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,005Fees	0.214%Below	74
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,274Fees	0.327%Below	207
4	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$469Fees	0.030%Above	127
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$332Fees	0.521%Below	125
6	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,719Fees	0.098%Below	59
7	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,327Fees	0.152%Above	484
8	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,961Fees	0.123%Below	208
9	City National Bank of FloridaBank	Exceptional	Exceptional	Sound	Sound	Strong	$1,661Fees	0.694%Below	96
10	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,367Fees	0.176%Below	66
11	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,462Fees	0.023%Above	61
12	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$865Fees	0.014%Above	43
13	Third Federal Savings and Loan Association of ClevelandBank	Exceptional	Strong	Exceptional	Strong	Sound	$601Fees	0.004%Above	37
14	Valley National BankBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,333Fees	0.202%Below	35
15	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,393Fees	0.320%Above	2,563
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,463Fees	0.291%Above	1,204
17	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,497Fees	0.337%Above	147
18	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,427Fees	0.489%Above	68
19	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,329Fees	0.418%Above	57
20	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,145Fees	0.054%Below	36
21	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,866Fees	0.519%Above	1,235
22	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,946Fees	0.222%Above	196
23	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,457Fees	0.075%Above	88
24	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,481Fees	0.174%Above	43
25	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,022Fees	0.190%Above	34
26	SPACE COAST CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Sound	$791Fees	0.162%Below	33
27	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,400Fees	0.631%Above	282
28	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,366Fees	0.387%Above	246
29	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,030Fees	0.225%Above	212
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,822Fees	0.451%Above	187
31	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,507Fees	0.316%Above	174
32	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,114Fees	0.328%Above	114
33	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,536Fees	0.249%Above	96
34	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,215Fees	0.515%Above	95
35	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,958Fees	0.358%Above	90
36	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,459Fees	0.455%Above	83
37	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,408Fees	0.549%Above	83
38	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$872Fees	0.166%Above	79
39	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,055Fees	0.486%Above	78
40	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,044Fees	0.443%Above	73
41	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,060Fees	0.509%Above	71
42	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$4,124Fees	0.540%Above	69
43	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,178Fees	0.364%Above	67
44	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Sound	$953Fees	0.279%Below	36
45	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,256Fees	0.405%Above	150
46	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,674Fees	0.636%Above	86
47	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,006Fees	0.215%Above	78
48	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,042Fees	0.656%Above	46
49	J. VIRGIL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,587Fees	0.199%Above	42
50	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,384Fees	0.417%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 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.