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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 VA Mortgage Lenders in West Palm Beach
Updated February 5, 2026
Market Overview
171
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 | Exceptional | Exceptional | Exceptional | Strong | $2,817 | +0.054% | 237 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,393 | +0.320% | 2,563 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $289 | -0.319% | 78 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,030 | +0.225% | 212 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,946 | +0.222% | 196 | |
6 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $4,006 | +0.215% | 78 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,114 | +0.328% | 114 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,463 | +0.291% | 1,204 | |
9 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $4,400 | +0.631% | 282 | |
10 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,366 | +0.387% | 246 | |
11 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,256 | +0.405% | 150 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,497 | +0.337% | 147 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,866 | +0.519% | 1,235 | |
14 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,961 | -0.123% | 208 | |
15 | JMAC LENDING, INC. | Strong | Sound | Strong | Strong | Strong | $3,386 | +0.451% | 56 | |
16 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,536 | +0.249% | 96 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,244 | +0.700% | 82 | |
18 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,371 | +0.610% | 254 | |
19 | THE MORTGAGE FIRM, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,836 | +0.422% | 235 | |
20 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,779 | +0.614% | 58 | |
21 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,674 | +0.636% | 86 | |
22 | BUILDERS CHOICE MORTGAGE LLC | Sound | Mediocre | Sound | Sound | Exceptional | $4,487 | +0.446% | 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)
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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