Home purchase lenders in Palm Beach County
15,443 home purchase mortgages were made in Palm Beach County, Florida, in 2025, by 711 lenders. The median rate their borrowers got was 6.624% on a median loan of $415,000. Of 18,696 decisions, 2,774 were denials — 14.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,262 | 6.500% | $395,000 | 13.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 1,312 | 6.750% | $405,000 | 3.6% |
| Rocket Mortgage, LLC | 683 | 6.500% | $395,000 | 21.1% |
| JPMorgan Chase Bank, National Association | 466 | 6.313% | $625,000 | 15.0% |
| FBC MORTGAGE, LLC | 362 | 6.250% | $415,000 | 2.7% |
| PENNYMAC LOAN SERVICES, LLC | 351 | 6.500% | $495,000 | 17.5% |
| Paramount Residential Mortgage Group, Inc. | 301 | 6.625% | $395,000 | 8.2% |
| A&D Mortgage LLC | 289 | 6.875% | $355,000 | 11.4% |
| EVERETT FINANCIAL, INC. | 263 | 6.750% | $315,000 | 9.3% |
| Bank of America, National Association | 256 | 5.875% | $500,000 | 31.0% |
| LENNAR MORTGAGE, LLC | 255 | 4.750% | $505,000 | 13.2% |
| Wells Fargo Bank, National Association | 219 | 6.250% | $485,000 | 25.7% |
| THE MORTGAGE FIRM, INC. | 195 | 6.750% | $385,000 | 2.4% |
| Fairway Independent Mortgage Corporation | 187 | 6.875% | $435,000 | 6.4% |
| NEWREZ LLC | 162 | 6.875% | $350,000 | 17.6% |
| GUARANTEED RATE, INC. | 147 | 6.625% | $425,000 | 15.4% |
| NQM FUNDING, LLC | 145 | 6.875% | $495,000 | 14.6% |
| THE LOAN STORE, INC. | 137 | 6.750% | $395,000 | 13.0% |
| U.S. Bank National Association | 132 | 6.490% | $435,000 | 12.8% |
| Morgan Stanley Private Bank, National Association | 128 | 5.850% | $1,020,000 | 6.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 128 | 7.374% | $375,000 | 5.8% |
| Capital Partner Mortgage Services | 126 | 6.625% | $360,000 | 7.1% |
| Mortgage Research Center, LLC | 122 | 6.250% | $385,000 | 15.7% |
| KIND LENDING, LLC | 120 | 6.500% | $410,000 | 30.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 118 | 6.500% | $405,000 | 3.3% |
| JMAC LENDING, INC. | 111 | 6.500% | $425,000 | 5.1% |
| TD Bank, National Association | 109 | 6.250% | $575,000 | 28.1% |
| Citizens Bank, National Association | 100 | 6.490% | $765,000 | 22.5% |
| BUILDERS CHOICE MORTGAGE LLC | 99 | 6.625% | $445,000 | 6.6% |
| PULTE MORTGAGE LLC | 97 | 6.125% | $705,000 | 23.4% |
| Truist Bank | 95 | 6.100% | $520,000 | 20.0% |
| CMG MORTGAGE, INC. | 93 | 6.875% | $395,000 | 10.5% |
| Loandepot.Com, LLC | 92 | 6.625% | $330,000 | 7.1% |
| CHAMPIONS FUNDING, LLC | 90 | 7.937% | $375,000 | 21.6% |
| LOWER, LLC | 89 | 6.625% | $385,000 | 7.1% |
| MOVEMENT MORTGAGE, LLC | 88 | 6.562% | $330,000 | 4.9% |
| T2 FINANCIAL LLC | 87 | 6.750% | $405,000 | 4.0% |
| Commerce Home Mortgage, Inc. | 84 | 7.688% | $465,000 | 15.2% |
| Broker Solutions, Inc. | 84 | 6.875% | $375,000 | 7.6% |
| GUARANTEED RATE AFFINITY, LLC | 81 | 6.525% | $345,000 | 8.0% |
| City National Bank of Florida | 81 | 6.125% | $235,000 | 9.0% |
| Citadel Servicing Corporation | 79 | 7.375% | $375,000 | 1.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 77 | 6.500% | $325,000 | 6.2% |
| MATTAMY HOME FUNDING, LLC | 75 | 5.375% | $495,000 | 14.8% |
| Plains Commerce Bank | 74 | 6.375% | $340,000 | 23.7% |
| Navy Federal Credit Union | 70 | 6.375% | $465,000 | 19.3% |
| PNC Bank, National Association | 68 | 6.250% | $495,000 | 26.6% |
| Citibank, National Association | 67 | 6.000% | $895,000 | 16.7% |
| NFM, INC. | 67 | 6.625% | $445,000 | 1.5% |
| FREEDOM MORTGAGE CORPORATION | 66 | 6.125% | $465,000 | 27.5% |
| Kiavi Funding, Inc. | 66 | 10.240% | $365,000 | 9.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 65 | 6.990% | $385,000 | 27.0% |
| CLEAREDGE LENDING LLC | 62 | 7.375% | $440,000 | 12.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 6.500% | $400,000 | 6.3% |
| ITHINK FINANCIAL Credit Union | 58 | 7.250% | $315,000 | 1.7% |
| Hometown Equity Mortgage, LLC | 57 | 7.375% | $385,000 | 46.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 56 | 6.875% | $335,000 | 10.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 55 | 6.500% | $555,000 | 9.8% |
| OCMBC, INC. | 51 | 6.999% | $415,000 | 19.5% |
| SPACE COAST CREDIT UNION | 51 | 5.750% | $495,000 | 22.7% |
| HOMEXPRESS MORTGAGE CORP. | 51 | 7.250% | $385,000 | 42.7% |
| SWBC MORTGAGE CORPORATION | 51 | 6.625% | $415,000 | 11.9% |
| PLAZA HOME MORTGAGE, INC. | 50 | 6.750% | $370,000 | 33.3% |
| Seacoast National Bank | 46 | 6.625% | $545,000 | 25.8% |
| DHI MORTGAGE COMPANY, LTD. | 46 | 3.990% | $455,000 | 34.3% |
| UBS Bank USA | 45 | 5.875% | $1,155,000 | 13.5% |
| GUILD MORTGAGE COMPANY | 44 | 6.625% | $355,000 | 3.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 44 | 6.375% | $505,000 | 6.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 44 | 6.625% | $390,000 | 6.4% |
| Charles Schwab Bank, SSB | 44 | 5.375% | $1,050,000 | 9.8% |
| Fifth Third Bank, National Association | 42 | 6.433% | $555,000 | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 41 | 10.250% | $365,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 40 | 6.490% | $340,000 | 4.8% |
| AMWEST FUNDING CORP. | 40 | 6.875% | $345,000 | 2.4% |
| NEXERA HOLDING LLC | 39 | 7.375% | $545,000 | 4.9% |
| VAN DYK MORTGAGE CORPORATION | 39 | 6.625% | $265,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 38 | 7.375% | $380,000 | 32.8% |
| ZILLOW HOME LOANS, LLC | 37 | 6.750% | $305,000 | 9.8% |
| 21st Mortgage Corporation | 36 | 10.035% | $105,000 | 72.1% |
| Filo Mortgage, L.L.C. | 36 | 6.250% | $430,000 | 14.0% |
| Flagstar Bank, N.A. | 36 | 6.487% | $485,000 | 34.6% |
| RESICENTRAL, LLC | 36 | 6.375% | $395,000 | 9.5% |
| ALLIANT CREDIT UNION | 36 | 8.500% | $175,000 | 21.7% |
| Third Federal Savings and Loan Association of Cleveland | 35 | 6.340% | $285,000 | 21.3% |
| Click n' Close, Inc. | 35 | 7.250% | $345,000 | 2.8% |
| Northpointe Bank | 34 | 6.933% | $410,000 | 10.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 32 | 6.375% | $405,000 | 7.3% |
| Sierra Pacific Mortgage Company, Inc. | 31 | 6.875% | $375,000 | 11.4% |
| UNION HOME MORTGAGE CORP. | 31 | 6.625% | $395,000 | 8.8% |
| Valley National Bank | 30 | 6.000% | $445,000 | 27.9% |
| BRADESCO BANK | 30 | 6.750% | $700,000 | 9.1% |
| FIRSTBANK PUERTO RICO | 30 | 6.500% | $105,000 | 8.3% |
| FM Home Loans, LLC | 30 | 6.875% | $440,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 29 | 9.780% | $105,000 | 45.8% |
| First Horizon Bank | 29 | 6.375% | $815,000 | 12.1% |
| Loan Funder LLC | 27 | 10.500% | $395,000 | 27.0% |
| SouthState Bank, National Association | 27 | 6.350% | $375,000 | 15.2% |
| POWER FINANCIAL | 27 | 6.375% | $445,000 | 0.0% |
| USAA Federal Savings Bank | 26 | 6.563% | $360,000 | 42.2% |
| Equity Prime Mortgage LLC | 26 | 6.625% | $435,000 | 7.1% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 26 | 6.500% | $1,110,000 | 0.0% |
| J. VIRGIL, INC. | 26 | 6.688% | $395,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 25 | 6.375% | $525,000 | 26.5% |
| STG MORTGAGE INC | 25 | 6.500% | $455,000 | 24.2% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 25 | 7.125% | $505,000 | 3.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 25 | 6.500% | $395,000 | 3.3% |
| TOLL BROTHERS MORTGAGE COMPANY | 24 | 6.563% | $590,000 | 2.6% |
| Tomo Mortgage, LLC | 23 | 5.990% | $545,000 | 17.9% |
| Regions Bank | 23 | 6.375% | $395,000 | 27.0% |
| CIBC Bank USA | 23 | 6.000% | $205,000 | 8.0% |
| TOTAL MORTGAGE SERVICES, LLC | 23 | 6.990% | $445,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 23 | 6.625% | $375,000 | 0.0% |
| Stifel Bank and Trust | 23 | 5.875% | $875,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 22 | 6.813% | $325,000 | 17.9% |
| MORTGAGE EQUITY PARTNERS LLC | 22 | 6.813% | $360,000 | 4.2% |
| NexBank | 22 | 6.375% | $515,000 | 8.3% |
| Acre Mortgage & Financial, Inc. | 22 | 6.688% | $400,000 | 0.0% |
| Bell Bank | 22 | 6.500% | $300,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 21 | 6.375% | $365,000 | 24.2% |
| PENTAGON FEDERAL CREDIT UNION | 21 | 6.375% | $275,000 | 36.4% |
| POINT MORTGAGE CORPORATION | 21 | 6.625% | $455,000 | 7.1% |
| Raymond James Bank | 21 | 5.500% | $1,255,000 | 8.7% |
| Manufacturers and Traders Trust Company | 21 | 5.625% | $685,000 | 4.6% |
| 254900CTT87ZKAUTIJ37 | 20 | 10.120% | $485,000 | 17.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 20 | 6.563% | $525,000 | 12.0% |
| Logan Finance Corporation | 20 | 7.499% | $465,000 | 9.1% |
| TOWNE MORTGAGE COMPANY | 19 | 6.375% | $365,000 | 4.6% |
| UNITED MORTGAGE CORP. | 18 | 6.688% | $355,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 17 | 6.500% | $395,000 | 54.1% |
| First-Citizens Bank & Trust Company | 17 | 5.875% | $735,000 | 14.3% |
| Prosperity Home Mortgage, LLC | 17 | 6.750% | $305,000 | 10.5% |
| Goldman Sachs Bank USA | 17 | 5.850% | $2,180,000 | 5.6% |
| STOCKTON MORTGAGE CORPORATION | 16 | 6.875% | $450,000 | 11.1% |
| FlexPoint, Inc. | 16 | 7.250% | $455,000 | 10.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 16 | 6.813% | $390,000 | 15.0% |
| 254900J2RKTTDJSUWD76 | 16 | 6.625% | $480,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 16 | 7.563% | $360,000 | 0.0% |
| NBKC BANK | 16 | 6.433% | $500,000 | 11.1% |
| Luminate Bank | 16 | 6.875% | $540,000 | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 16 | 6.438% | $520,000 | 5.9% |
| US MORTGAGE CORPORATION | 16 | 7.250% | $315,000 | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 15 | 7.375% | $325,000 | 16.7% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 15 | 6.875% | $525,000 | 15.0% |
| First National Bank of America | 15 | 9.240% | $355,000 | 6.3% |
| CONVENTUS LLC | 15 | 8.750% | $285,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 14 | 6.750% | $420,000 | 22.6% |
| OriginPoint, LLC | 14 | 6.625% | $515,000 | 0.0% |
| Suncoast Credit Union | 14 | 5.125% | $445,000 | 6.7% |
| RIGHT START MORTGAGE, INC. | 14 | 6.750% | $435,000 | 22.2% |
| MORTGAGEONE, INC. | 14 | 6.688% | $495,000 | 6.7% |
| Dort Financial Credit Union | 14 | 5.938% | $375,000 | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 14 | 6.563% | $415,000 | 12.5% |
| PLANET HOME LENDING, LLC | 13 | 6.375% | $425,000 | 31.6% |
| Advisors Mortgage Group, L.L.C. | 13 | 6.875% | $455,000 | 0.0% |
| First National Bank of Pennsylvania | 13 | 6.125% | $975,000 | 18.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 7.249% | $355,000 | 17.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 12 | 6.625% | $445,000 | 14.3% |
| LUXURY MORTGAGE CORP. | 12 | 7.062% | $655,000 | 0.0% |
| LENDINGONE, LLC | 11 | 9.740% | $355,000 | 69.4% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 11 | 6.990% | $335,000 | 8.3% |
| AMERICAN HERITAGE LENDING, LLC | 11 | 7.375% | $455,000 | 21.7% |
| The Federal Savings Bank | 11 | 6.625% | $465,000 | 26.7% |
| DG PINNACLE FUNDING LLC | 11 | 6.999% | $335,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 10 | 6.938% | $535,000 | 26.3% |
| Quontic Bank | 10 | 8.375% | $370,000 | 8.3% |
| United Community Bank | 10 | 6.625% | $545,000 | 23.1% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 10 | 7.058% | $320,000 | 9.1% |
| CONTOUR MORTGAGE CORPORATION | 10 | 7.063% | $445,000 | 9.1% |
| FOUNDATION MORTGAGE CORPORATION | 10 | 7.750% | $345,000 | 14.3% |
| VISTA POINT MORTGAGE, LLC | 10 | 7.063% | $475,000 | 8.3% |
| EMBRACE HOME LOANS, INC. | 10 | 6.558% | $410,000 | 0.0% |
| Vista Bank | 10 | Not published | $980,000 | 0.0% |
| NJ LENDERS CORP. | 10 | 6.625% | $680,000 | 0.0% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 18.2% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 21.4% |
| First Federal Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| BNY Mellon, National Association | 9 | Under 10 loans | Under 10 loans | 16.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 9 | Under 10 loans | Under 10 loans | 23.1% |
| 1ST FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| NATIONS DIRECT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Presidential Bank, FSB | 9 | Under 10 loans | Under 10 loans | 18.2% |
| EMM LOANS LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Huntington National Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TOP FLITE FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Banesco USA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TrustCo Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MICHIGAN MUTUAL, INC. | 8 | Under 10 loans | Under 10 loans | 15.4% |
| BMO Bank National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| SIRVA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Waterman State Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 511 lenders each made 8 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.