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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 Mortgage Company Lenders in West Palm Beach

Updated February 5, 2026

Market Overview

Total Lenders

11,684

Total Loans

0.48%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Strong	$2,817	+0.054%	237
2	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,393	+0.320%	2,563
3	PROVIDENT FUNDING ASSOCIATES, L.P.	Strong	Exceptional	Sound	Sound	$1,719	-0.098%	59
4	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,463	+0.291%	1,204
5	THE MORTGAGE FIRM, INC.	Strong	Acceptable	Exceptional	Exceptional	$3,836	+0.422%	235
6	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$2,030	+0.225%	212
7	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$1,946	+0.222%	196
8	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$3,507	+0.316%	174
9	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$3,497	+0.337%	147
10	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$3,866	+0.519%	1,235
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$3,822	+0.451%	187
12	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$4,114	+0.328%	114
13	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Sound	Strong	$2,457	+0.075%	88
14	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$3,408	+0.549%	83
15	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$4,044	+0.443%	73
16	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	$3,178	+0.364%	67
17	J. VIRGIL, INC.	Strong	Acceptable	Exceptional	Strong	$2,587	+0.199%	42
18	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Strong	$4,400	+0.631%	282
19	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,536	+0.249%	96
20	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$3,215	+0.515%	95
21	LOWER, LLC	Strong	Acceptable	Strong	Strong	$2,958	+0.358%	90
22	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Strong	Strong	$3,459	+0.455%	83
23	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$1,244	+0.700%	82
24	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Strong	Strong	$4,006	+0.215%	78
25	KIND LENDING, LLC	Strong	Acceptable	Strong	Strong	$4,055	+0.486%	78
26	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	$4,427	+0.489%	68
27	NFM, INC.	Strong	Acceptable	Exceptional	Sound	$4,086	+0.391%	60
28	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Sound	$3,384	+0.417%	39
29	PLANET HOME LENDING, LLC	Strong	Acceptable	Exceptional	Sound	$3,045	+0.323%	39
30	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Sound	$3,534	+0.350%	35
31	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	$1,022	+0.190%	34
32	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Sound	$3,412	+0.386%	32
33	EVERETT FINANCIAL, INC.	Sound	Mediocre	Exceptional	Strong	$4,371	+0.610%	254
34	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$3,256	+0.405%	150
35	CAPITAL PARTNERS MORTGAGE SERVICES LLC.	Sound	Acceptable	Sound	Strong	$3,744	+0.357%	90
36	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Strong	$3,674	+0.636%	86
37	Equity Prime Mortgage LLC	Sound	Acceptable	Strong	Sound	$3,779	+0.614%	58
38	JMAC LENDING, INC.	Sound	Acceptable	Sound	Strong	$3,386	+0.451%	56
39	AMERICAN FINANCIAL NETWORK, INC.	Sound	Acceptable	Strong	Sound	$4,042	+0.656%	46
40	OCMBC, INC.	Sound	Acceptable	Strong	Sound	$2,823	+0.819%	35
41	ABSOLUTE HOME MORTGAGE CORPORATION	Sound	Mediocre	Strong	Strong	$5,074	+0.641%	144
42	BUILDERS CHOICE MORTGAGE LLC	Sound	Mediocre	Sound	Exceptional	$4,487	+0.446%	125
43	PRIMARY RESIDENTIAL MORTGAGE, INC.	Sound	Mediocre	Strong	Strong	$5,060	+0.509%	71
44	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Sound	$6,000	+0.740%	63
45	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Sound	Sound	$4,711	+0.831%	42
46	HOMEBRIDGE FINANCIAL SERVICES, INC.	Sound	Acceptable	Sound	Sound	$5,138	+0.576%	37
47	TOTAL MORTGAGE SERVICES, LLC	Sound	Mediocre	Exceptional	Sound	$3,109	+0.604%	34
48	A&D Mortgage LLC	Sound	Mediocre	Sound	Strong	$4,369	+0.685%	192
49	NP, INC.	Sound	Mediocre	Sound	Strong	$4,170	+0.599%	115
50	ANGEL OAK MORTGAGE SOLUTIONS LLC	Sound	Mediocre	Sound	Strong	$5,244	+0.946%	76

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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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