Safe Rate Rankings

Best Jumbo 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	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,961Fees	0.123%Below	208
2	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,274Fees	0.327%Below	207
3	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$469Fees	0.030%Above	127
4	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$332Fees	0.521%Below	125
5	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,005Fees	0.214%Below	74
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$289Fees	0.319%Below	78
7	UBS Bank USABank	Exceptional	Exceptional	Exceptional	Strong	Sound	$928Fees	0.023%Above	37
8	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,507Fees	0.316%Above	174
9	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,367Fees	0.176%Below	66
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,393Fees	0.320%Above	2,563
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,463Fees	0.291%Above	1,204
12	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,327Fees	0.152%Above	484
13	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,462Fees	0.023%Above	61
14	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,145Fees	0.054%Below	36
15	SPACE COAST CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Sound	Sound	$791Fees	0.162%Below	33
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,946Fees	0.222%Above	196
17	TD Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$872Fees	0.166%Above	79
18	Charles Schwab Bank, SSBBank	Strong	Sound	Exceptional	Exceptional	Sound	$953Fees	0.279%Below	36
19	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,866Fees	0.519%Above	1,235
20	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$3,497Fees	0.337%Above	147
21	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$4,006Fees	0.215%Above	78
22	PNC Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$865Fees	0.014%Above	43
23	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,384Fees	0.417%Above	39
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,822Fees	0.451%Above	187
25	NP, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,170Fees	0.599%Above	115
26	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,400Fees	0.631%Above	282
27	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,256Fees	0.405%Above	150
28	First Horizon BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,481Fees	0.174%Above	43
29	BUILDERS CHOICE MORTGAGE LLCIndependent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$4,487Fees	0.446%Above	125
30	ANGEL OAK MORTGAGE SOLUTIONS LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,244Fees	0.946%Above	76
31	Citadel Servicing CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$9,275Fees	1.847%Above	60
32	CLEAREDGE LENDING LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,918Fees	1.230%Above	54
33	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$4,371Fees	0.610%Above	254
34	Flagstar Bank, N.A.Bank	Sound	Mediocre	Exceptional	Sound	Strong	$3,366Fees	0.387%Above	246
35	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Exceptional	$3,836Fees	0.422%Above	235
36	A&D Mortgage LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$4,369Fees	0.685%Above	192
37	ITHINK FINANCIAL Credit UnionCredit Union	Sound	Mediocre	Strong	Strong	Strong	$4,612Fees	0.379%Above	59
38	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,534Fees	0.350%Above	35
39	Northpointe BankBank	Sound	Mediocre	Strong	Sound	Strong	$3,329Fees	0.418%Above	57
40	DEEPHAVEN MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,286Fees	1.493%Above	39
41	OCMBC, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$2,823Fees	0.819%Above	35

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.