Safe Rate Rankings

Best Conventional 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 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	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,719Fees	0.098%Below	59
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,393Fees	0.320%Above	2,563
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,463Fees	0.291%Above	1,204
4	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,497Fees	0.337%Above	147
5	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,427Fees	0.489%Above	68
6	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,866Fees	0.519%Above	1,235
7	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,946Fees	0.222%Above	196
8	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,457Fees	0.075%Above	88
9	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,022Fees	0.190%Above	34
10	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,400Fees	0.631%Above	282
11	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,030Fees	0.225%Above	212
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,822Fees	0.451%Above	187
13	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,507Fees	0.316%Above	174
14	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,114Fees	0.328%Above	114
15	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,536Fees	0.249%Above	96
16	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,215Fees	0.515%Above	95
17	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,958Fees	0.358%Above	90
18	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,459Fees	0.455%Above	83
19	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,408Fees	0.549%Above	83
20	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,055Fees	0.486%Above	78
21	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,044Fees	0.443%Above	73
22	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,060Fees	0.509%Above	71
23	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,178Fees	0.364%Above	67
24	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,256Fees	0.405%Above	150
25	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,674Fees	0.636%Above	86
26	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,006Fees	0.215%Above	78
27	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,042Fees	0.656%Above	46
28	J. VIRGIL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,587Fees	0.199%Above	42
29	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,384Fees	0.417%Above	39
30	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,534Fees	0.350%Above	35
31	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,109Fees	0.604%Above	34
32	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,412Fees	0.386%Above	32
33	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,371Fees	0.610%Above	254
34	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,817Fees	0.054%Above	237
35	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$3,836Fees	0.422%Above	235
36	ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$5,074Fees	0.641%Above	144
37	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,045Fees	0.323%Above	39
38	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$6,000Fees	0.740%Above	63
39	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,086Fees	0.391%Above	60
40	JMAC LENDING, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Strong	$3,386Fees	0.451%Above	56
41	Waterstone Mortgage CorporationIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,857Fees	0.534%Above	49
42	A&D Mortgage LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$4,369Fees	0.685%Above	192
43	BUILDERS CHOICE MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Exceptional	$4,487Fees	0.446%Above	125
44	NP, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$4,170Fees	0.599%Above	115
45	ANGEL OAK MORTGAGE SOLUTIONS LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$5,244Fees	0.946%Above	76
46	Citadel Servicing CorporationIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$9,275Fees	1.847%Above	60
47	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$4,711Fees	0.831%Above	42
48	CAPITAL PARTNERS MORTGAGE SERVICES LLC.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	Strong	$3,744Fees	0.357%Above	90
49	OCMBC, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$2,823Fees	0.819%Above	35
50	CLEAREDGE LENDING LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Acceptable	Strong	$5,918Fees	1.230%Above	54

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.