Safe Rate Rankings

Best VA 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 Lenders19

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	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$2,817Fees	0.054%Above	237
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,393Fees	0.320%Above	2,563
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,030Fees	0.225%Above	212
4	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,946Fees	0.222%Above	196
5	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$4,006Fees	0.215%Above	78
6	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,114Fees	0.328%Above	114
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,463Fees	0.291%Above	1,204
8	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,400Fees	0.631%Above	282
9	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,256Fees	0.405%Above	150
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,497Fees	0.337%Above	147
11	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,866Fees	0.519%Above	1,235
12	JMAC LENDING, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$3,386Fees	0.451%Above	56
13	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,536Fees	0.249%Above	96
14	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,244Fees	0.700%Above	82
15	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,371Fees	0.610%Above	254
16	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$3,836Fees	0.422%Above	235
17	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,779Fees	0.614%Above	58
18	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$3,674Fees	0.636%Above	86
19	BUILDERS CHOICE MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Exceptional	$4,487Fees	0.446%Above	125

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.