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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 FHA 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	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,817	+0.054%	237
2	City National Bank of Florida	Exceptional	Exceptional	Strong	Strong	Strong	$1,661	-0.694%	96
3	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,393	+0.320%	2,563
4	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,030	+0.225%	212
5	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,946	+0.222%	196
6	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,044	+0.443%	73
7	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,463	+0.291%	1,204
8	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$3,366	+0.387%	246
9	THE MORTGAGE FIRM, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,836	+0.422%	235
10	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,497	+0.337%	147
11	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,215	+0.515%	95
12	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$4,055	+0.486%	78
13	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$4,124	+0.540%	69
14	Northpointe Bank	Strong	Sound	Exceptional	Strong	Strong	$3,329	+0.418%	57
15	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Exceptional	$2,327	+0.152%	484
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,822	+0.451%	187
17	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$3,256	+0.405%	150
18	PLANET HOME LENDING, LLC	Strong	Sound	Exceptional	Strong	Sound	$3,045	+0.323%	39
19	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$4,400	+0.631%	282
20	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,507	+0.316%	174
21	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,114	+0.328%	114
22	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,958	+0.358%	90
23	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Sound	Strong	$2,457	+0.075%	88
24	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,459	+0.455%	83
25	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,408	+0.549%	83
26	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,006	+0.215%	78
27	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,427	+0.489%	68
28	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,178	+0.364%	67
29	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,086	+0.391%	60
30	JMAC LENDING, INC.	Strong	Sound	Strong	Sound	Strong	$3,386	+0.451%	56
31	HOMEBRIDGE FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Sound	$5,138	+0.576%	37
32	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,866	+0.519%	1,235
33	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,371	+0.610%	254
34	BUILDERS CHOICE MORTGAGE LLC	Strong	Acceptable	Strong	Sound	Exceptional	$4,487	+0.446%	125
35	NP, INC.	Strong	Acceptable	Strong	Strong	Strong	$4,170	+0.599%	115
36	CAPITAL PARTNERS MORTGAGE SERVICES LLC.	Strong	Acceptable	Strong	Strong	Strong	$3,744	+0.357%	90
37	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,779	+0.614%	58
38	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,042	+0.656%	46
39	J. VIRGIL, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,587	+0.199%	42
40	OCMBC, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,823	+0.819%	35
41	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,412	+0.386%	32
42	ABSOLUTE HOME MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$5,074	+0.641%	144
43	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,536	+0.249%	96
44	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$5,060	+0.509%	71
45	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Sound	$6,000	+0.740%	63
46	Waterstone Mortgage Corporation	Strong	Mediocre	Exceptional	Exceptional	Sound	$4,857	+0.534%	49
47	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,711	+0.831%	42
48	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$1,022	+0.190%	34
49	TOTAL MORTGAGE SERVICES, LLC	Strong	Mediocre	Exceptional	Exceptional	Sound	$3,109	+0.604%	34
50	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$4,037	+0.924%	32

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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