Safe Rate Rankings

Best Mortgage Company 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 Lenders50

Total Loans11,684

Median Rate Spread0.48%

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