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

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