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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 Conventional Mortgage Company Lenders in West Palm Beach

Updated February 5, 2026

Market Overview

Total Lenders

14,483

Total Loans

0.35%

Median Rate Spread

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

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