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