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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 FHA Mortgage Company Lenders in West Palm Beach
Updated February 5, 2026
Market Overview
46
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 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,817 | +0.054% | 237 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,393 | +0.320% | 2,563 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,030 | +0.225% | 212 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,946 | +0.222% | 196 | |
5 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,044 | +0.443% | 73 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,463 | +0.291% | 1,204 | |
7 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,836 | +0.422% | 235 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,497 | +0.337% | 147 | |
9 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,215 | +0.515% | 95 | |
10 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,055 | +0.486% | 78 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,822 | +0.451% | 187 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,256 | +0.405% | 150 | |
13 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,045 | +0.323% | 39 | |
14 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,400 | +0.631% | 282 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,507 | +0.316% | 174 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,114 | +0.328% | 114 | |
17 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,958 | +0.358% | 90 | |
18 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Sound | Strong | $2,457 | +0.075% | 88 | |
19 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,459 | +0.455% | 83 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,408 | +0.549% | 83 | |
21 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,006 | +0.215% | 78 | |
22 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,427 | +0.489% | 68 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,178 | +0.364% | 67 | |
24 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,086 | +0.391% | 60 | |
25 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Strong | $3,386 | +0.451% | 56 | |
26 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $5,138 | +0.576% | 37 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,866 | +0.519% | 1,235 | |
28 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,371 | +0.610% | 254 | |
29 | BUILDERS CHOICE MORTGAGE LLC | Strong | Acceptable | Strong | Sound | Exceptional | $4,487 | +0.446% | 125 | |
30 | NP, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,170 | +0.599% | 115 | |
31 | CAPITAL PARTNERS MORTGAGE SERVICES LLC. | Strong | Acceptable | Strong | Strong | Strong | $3,744 | +0.357% | 90 | |
32 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,779 | +0.614% | 58 | |
33 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,042 | +0.656% | 46 | |
34 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,587 | +0.199% | 42 | |
35 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,823 | +0.819% | 35 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,412 | +0.386% | 32 | |
37 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,074 | +0.641% | 144 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,536 | +0.249% | 96 | |
39 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,060 | +0.509% | 71 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $6,000 | +0.740% | 63 | |
41 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,857 | +0.534% | 49 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,711 | +0.831% | 42 | |
43 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,022 | +0.190% | 34 | |
44 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,109 | +0.604% | 34 | |
45 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,037 | +0.924% | 32 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,674 | +0.636% | 86 |
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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