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Mortgage Lenders and Brokers in Royal Palm Beach, Florida

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Royal Palm Beach, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1102 Royal Palm Beach Blvd, Royal Palm Beach, FL 33411A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA11707 Okeechobee Blvd, Royal Palm Beach, FL 33411A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA11601 Okeechobee Blvd, Royal Palm Beach, FL 33411A+5.0 ★Texas Ratio: 4.14%, TD BankTD Bank10149 Okeechobee Blvd, Royal Palm Beach, FL 33411A+5.0 ★Texas Ratio: 3.71%, Truist BankTruist Bank11161 Southern Blvd, Royal Palm Beach, FL 33411A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.10031 Fox Trail Rd S, Royal Palm Beach, FL 33411A+5.0 ★Texas Ratio: 4.24%, Velocity Community Federal Credit UnionVelocity Community Federal Credit Union563 N State Road 7, Royal Palm Beach, FL 33411 3524A+5.0 ★Texas Ratio: 3.08%, Gold Coast Federal Credit UnionGold Coast Federal Credit Union10469 Southern Blvd, Royal Palm Beach, FL 33411 4340A+5.0 ★Texas Ratio: 1.70%, Fifth Third Bank, National AssociationFifth Third Bank, National Association254 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.22%, and Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Royal Palm Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Royal Palm Beach are listed first, then lenders elsewhere in Florida, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Royal Palm Beach, Florida

Market share is the lender's share of all home loans closed in Royal Palm Beach, Florida. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
JPMorgan Chase Bank, NA 1 office in Royal Palm Beach 1102 Royal Palm Beach Blvd, Royal Palm Beach, FL 33411 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	18 +5 HELOCs	2.7%	81.8%	$523,888	View
Wells Fargo Bank NA 1 office in Royal Palm Beach 11707 Okeechobee Blvd, Royal Palm Beach, FL 33411 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	6	0.9%	75%	$448,333	View
Bank of America NA 1 office in Royal Palm Beach 11601 Okeechobee Blvd, Royal Palm Beach, FL 33411 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	4 +16 HELOCs	0.6%	44.4%	$745,000	View
TD Bank 1 office in Royal Palm Beach 10149 Okeechobee Blvd, Royal Palm Beach, FL 33411 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	2 +10 HELOCs	0.3%	66.7%	$105,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Royal Palm Beach 11161 Southern Blvd, Royal Palm Beach, FL 33411 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	2 +6 HELOCs	0.3%	100%	$600,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Royal Palm Beach 10031 Fox Trail Rd S, Royal Palm Beach, FL 33411 A+5.0 ★Texas Ratio: 4.24%	FHA, HELOC	1 +12 HELOCs	0.1%	50%	$505,000	View
Velocity Community Federal Credit Union 563 N State Road 7, Royal Palm Beach, FL 33411 3524 A+5.0 ★Texas Ratio: 3.08%	Conventional	10	1.5%	73.3%	$83,000	View
Gold Coast Federal Credit Union 10469 Southern Blvd, Royal Palm Beach, FL 33411 4340 A+5.0 ★Texas Ratio: 1.70%	Conventional	5	0.7%	100%	$99,000	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	4 +3 HELOCs	0.6%	100%	$182,500	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +7 HELOCs	0.4%	27.3%	$95,000	View
Tropical Financial Credit Union 8947 W Atlantic Blvd, Coral Springs, FL 33071 A5.0 ★Texas Ratio: 6.93%	Conventional, HELOC	3 +6 HELOCs	0.4%	60%	$145,000	View
Ithink Financial Credit Union 11317 Okeechobee Blvd, Royal Palm Beach, FL 33411 A+5.0 ★Texas Ratio: 5.06%	Conventional, HELOC	3 +3 HELOCs	0.4%	100%	$335,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo	3	0.4%	100%	$445,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, HELOC	2 +3 HELOCs	0.3%	100%	$305,000	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$200,000	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$445,000	View
Guardians Credit Union 1301 N Congress Ave, Boynton Beach, FL 33426 A+5.0 ★Texas Ratio: 1.80%	Conventional	2	0.3%	100%	$155,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	1 +7 HELOCs	0.1%	33.3%	$85,000	View
Trustco Bank ★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$75,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	FHA, HELOC	1 +1 HELOCs	0.1%	50%	$295,000	View
Valley National Bank 19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,095,000	View
CIBC Bank USA 340 Royal Palm Way, Palm Beach, FL 33480 A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0.1%	100%	$185,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	1	0.1%	100%	$1,005,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional	1	0.1%	100%	$115,000	View
First Choice Credit Union 7305 N Military Trl, Riviera Beach, FL 33410 7417 A+5.0 ★Texas Ratio: 2.64%	Conventional	1	0.1%	100%	$75,000	View
Miami Firefighters Federal Credit Union 1111 NW 7th St, Miami, FL 33136 A+5.0 ★Texas Ratio: 2.26%	Conventional	1	0.1%	100%	$105,000
Partners Federal Credit Union 5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Regions Bank 360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37%	HELOC	0 +1 HELOCs	0%	0%		View
Power Financial Credit Union 14854 S Military Trl, Delray Beach, FL 33484 8153 A-4.9 ★Texas Ratio: 16.71%	HELOC	0 +1 HELOCs	0%	n/a		View
Amerant Bank, N.A. 3001 Aventura Blvd, Aventura, FL 33180 B+4.7 ★Texas Ratio: 18.65%	HELOC	0 +1 HELOCs	0%	n/a		View
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +1 HELOCs	0%	n/a		View
First American Bank 540 Biltmore Way, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Freedom Mortgage Corporation	Conventional, FHA, VA	15	2.2%	84.2%	$335,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	9	1.3%	90%	$479,444	View
The Mortgage Firm	Conventional, FHA, VA	9	1.3%	100%	$322,777
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	8	1.2%	38.9%	$261,250
Builders Choice Mortgage LLC	Conventional, FHA	3	0.4%	100%	$451,666
PHH Mortgage Corporation	Conventional	2	0.3%	100%	$385,000
Obsidian Financial Services	Conventional, FHA	2	0.3%	100%	$565,000
Acrisure Mortgage, LLC	FHA	1	0.1%	100%	$575,000
Americas Mortgage Professionals, LLC	Conventional	1	0.1%	100%	$255,000
Nqm Funding, LLC	FHA	1	0.1%	100%	$305,000
Foundation Mortgage Corporation	Conventional	1	0.1%	100%	$525,000
Mortgage300 Corporation	Conventional	1	0.1%	100%	$505,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	112 +6 HELOCs	16.8%	84.2%	$444,642
Rocket Mortgage	Conventional, FHA, VA, Jumbo	76	11.4%	78.2%	$311,052
CrossCountry Mortgage, LLC	Conventional, FHA, HELOC	40 +3 HELOCs	6%	100%	$400,500
Pennymac Loan Services LLC	Conventional, FHA	24	3.6%	82.8%	$383,750
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA	18	2.7%	58.1%	$328,333	View
Paramount Residential Mortgage	Conventional, FHA, VA	15	2.2%	100%	$476,333
Absolute Home Mortgage	Conventional, FHA	12	1.8%	100%	$423,333
Capital Partners Mortgage Services, LLC	Conventional, FHA, VA, Jumbo	11	1.6%	100%	$295,909
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA, VA	9	1.3%	100%	$425,000
Nationstar Mortgage	Conventional, FHA	9	1.3%	90%	$133,888
The Loan Store, Inc	Conventional, FHA, HELOC	8 +4 HELOCs	1.2%	90%	$383,750
Spring Eq, LLC	Conventional, HELOC	8 +3 HELOCs	1.2%	34.8%	$132,500
Kind Lending, LLC	Conventional, FHA	7	1%	70%	$409,285
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	5 +2 HELOCs	0.7%	85.7%	$479,000
Everett Financial, Inc.	Conventional, FHA	5	0.7%	83.3%	$355,000
Click n' Close, Inc.	Conventional, FHA	5	0.7%	100%	$359,000
Provident Funding Associates	Conventional	5	0.7%	83.3%	$407,000
Mortgage Research Center	VA, Jumbo	5	0.7%	62.5%	$451,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	4 +4 HELOCs	0.6%	80%	$322,500
Better Mortgage Corporation	Conventional, HELOC	4 +1 HELOCs	0.6%	66.7%	$482,500
Primary Residential Mortgage, INC.	FHA	4	0.6%	100%	$522,500
AmeriHome Mortgage Company, LLC	Conventional, FHA	4	0.6%	100%	$462,500
T2 Financial LLC	Conventional, FHA	4	0.6%	100%	$547,500
Champions Funding, LLC	Conventional	4	0.6%	100%	$395,000
American Financial Resources LLC	Conventional, FHA	3	0.4%	100%	$311,666
SWBC Mortgage Corporation	Conventional, FHA	3	0.4%	100%	$365,000
loanDepot.com LLC	Conventional	3	0.4%	25%	$101,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, FHA, Jumbo	3	0.4%	100%	$718,333	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	3	0.4%	100%	$501,666	View
Stg Mortgage Inc	Conventional, FHA	3	0.4%	100%	$448,333
Nationwide Mortgage Bankers, Inc.	Conventional, FHA	3	0.4%	100%	$318,333
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	3	0.4%	100%	$411,666	View
Ark-La-Tex Financial Services LLC	Conventional, FHA	3	0.4%	100%	$415,000
Leaderone Financial Corp.	Conventional, FHA	3	0.4%	100%	$411,666
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	3	0.4%	100%	$405,000
Guaranteed Rate Affinity, LLC	Conventional	2	0.3%	100%	$305,000
Royal United Mortgage LLC	Conventional	2	0.3%	100%	$115,000
Equity Prime Mortgage LLC	Conventional, FHA	2	0.3%	100%	$560,000
Resicentral LLC	Conventional	2	0.3%	66.7%	$510,000
Amerisave Mortgage Company	Conventional	2	0.3%	16.7%	$140,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional	2	0.3%	66.7%	$480,000	View
Discover Bank	Conventional	2	0.3%	11.1%	$60,000
Sun West Mortgage Company, Inc	FHA	2	0.3%	66.7%	$280,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	2	0.3%	100%	$360,000	View
Strong Home Mortgage, LLC	Conventional	2	0.3%	100%	$505,000
First Colony Mortgage Corporat	Conventional	2	0.3%	100%	$615,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.3%	100%	$465,000	View
Hometown Equity Mortgage, LLC	Conventional	2	0.3%	33.3%	$105,000
American Pacific Mortgage Corporation	Conventional, FHA	2	0.3%	66.7%	$280,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.3%	66.7%	$530,000	View
Summit Funding.Inc	Conventional	2	0.3%	100%	$505,000
Fairway Independent Mort Corp	Conventional	2	0.3%	66.7%	$615,000
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo	2	0.3%	100%	$830,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.3%	50%	$125,000	View
Nexera Holding LLC	Conventional	2	0.3%	100%	$525,000
Plaza Home Mortgage, Inc	Conventional	2	0.3%	100%	$475,000
Village Capital & Investment	FHA, VA	2	0.3%	66.7%	$370,000
JMAC Lending, Inc.	Conventional	2	0.3%	100%	$260,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +8 HELOCs	0.1%	100%	$595,000
Goodleap, LLC	FHA, HELOC	1 +1 HELOCs	0.1%	50%	$205,000
Dort Financial Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$245,000
New American Funding, LLC.	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$315,000
EMM Loans LLC	FHA	1	0.1%	100%	$335,000
American Pride Bank A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0.1%	100%	$285,000	View
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$335,000
First Community Mortgage, Inc.	VA	1	0.1%	100%	$385,000
Ross Mortgage Company	Conventional	1	0.1%	100%	$535,000
Main Street Bank Corp B-4.4 ★Texas Ratio: 22.15%	Conventional	1	0.1%	100%	$155,000	View
Guaranteed Rate, Inc.	Conventional	1	0.1%	50%	$205,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$225,000
Loanunited.Com, LLC	FHA	1	0.1%	50%	$645,000
Filo Mortgage, LLC	Conventional	1	0.1%	50%	$365,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$695,000
Guild Mortgage Company	FHA	1	0.1%	100%	$215,000
Acre Mortgage & Financial, Inc.	Conventional	1	0.1%	100%	$515,000
HomeXpress Mortgage Corp.	FHA	1	0.1%	100%	$275,000
Intercoastal Mortgage, LLC A+5.0 ★Texas Ratio: 0.40%	Conventional	1	0.1%	100%	$425,000	View
American Financing Corporation	FHA	1	0.1%	50%	$305,000
Securitynational Mortgage Company	Conventional	1	0.1%	100%	$435,000
Bay Equity LLC	Conventional	1	0.1%	100%	$125,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$455,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.1%	50%	$385,000
Nfm, Inc	Conventional	1	0.1%	100%	$85,000
Evergreen Moneysource Mortgage Company	Conventional	1	0.1%	100%	$625,000
The Equitable Mortgage Corporation	Conventional	1	0.1%	100%	$55,000
Planet Home Lending, LLC	FHA	1	0.1%	50%	$545,000
Embrace Home Loans, Inc.	Conventional	1	0.1%	100%	$155,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$595,000	View
Castle & Cooke Mortgage, LLC	FHA	1	0.1%	100%	$605,000
Aberdeen Proving Ground FCU	Conventional	1	0.1%	100%	$195,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$475,000
Waterman Bank A5.0 ★Texas Ratio: 8.69%	FHA	1	0.1%	50%	$285,000	View
Saygo Home Loans, LLC	VA	1	0.1%	100%	$205,000
Stockton Mortgage Corporation	Conventional	1	0.1%	100%	$535,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$495,000	View
Towne Mortgage Company	FHA	1	0.1%	100%	$315,000
Keystone Funding, Inc	Conventional	1	0.1%	100%	$245,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$515,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$195,000
Mutual of Omaha Mortgage	FHA	1	0.1%	33.3%	$555,000
Veritas Funding, LLC	Conventional	1	0.1%	100%	$105,000
Hometown Funding, INC. D/B/A CNB Mortgage Company	Conventional	1	0.1%	100%	$155,000
ClearEdge Lending LLC	Conventional	1	0.1%	50%	$705,000
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional	1	0.1%	100%	$435,000	View
Right Start Mortgage, Inc	FHA	1	0.1%	100%	$475,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, Jumbo	1	0.1%	100%	$1,805,000	View
DHI Mortgage Company, LTD.	Conventional	1	0.1%	100%	$285,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$605,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	25%	$425,000	View
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$385,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$385,000	View
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$135,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$625,000
The Mortgage Link, Inc.	FHA	1	0.1%	100%	$495,000
Griffin Funding Inc.	FHA	1	0.1%	100%	$575,000
Figure Lending LLC	HELOC	0 +12 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +6 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	HELOC	0 +1 HELOCs	0%	n/a		View
AmWest Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Central One Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Southeast Mortgage of Georgia, Inc.	HELOC	0 +1 HELOCs	0%	n/a
Union Savings Bank	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Royal Palm Beach Mortgage Rate Trends

Daily average mortgage rates for Florida compared with the national average, updated every evening.

30-Year Fixed FL Avg

7.306%

▲ 0.071 vs 7 days ago

15-Year Fixed FL Avg

6.730%

▲ 0.011 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Royal Palm Beach, Florida

Looking for mortgage lenders near me or mortgage brokers near me in Royal Palm Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Royal Palm Beach in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Royal Palm Beach, FL

Use these to narrow the list above. Each category shows how many Royal Palm Beach, FL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 114 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 40 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 19 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 56 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 17 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 14 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 25 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Royal Palm Beach, FL

Independent mortgage companies closed 83.4 percent of home loans in Royal Palm Beach, Florida in 2025, banks 11.5 percent and credit unions 5.1 percent. Freedom Mortgage Corporation was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Velocity Community Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Velocity Community Federal Credit Union led with 10 loans.

83.4%

Mortgage companies

11.5%

Banks

5.1%

Credit unions

25%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.

More Florida Mortgage Lender Pages

All Florida lenders 1,647 lenders Jacksonville 444 lenders Port St. Lucie 359 lenders Cape Coral 422 lenders Tampa 363 lenders Lehigh Acres 298 lenders Orlando 345 lenders St. Cloud 266 lenders St. Petersburg 346 lenders Palm Bay 258 lenders Spring Hill 261 lenders Tallahassee 233 lenders Lakewood Ranch 319 lenders

Frequently Asked Questions About Mortgage Lenders in Royal Palm Beach, FL

Who is the largest mortgage lender in Royal Palm Beach, FL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Royal Palm Beach, Florida with 18 loans, about 2.7 percent of the market. The largest lender headquartered in Florida was Velocity Community Federal Credit Union with 10 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Royal Palm Beach, FL have the highest approval rates?

Among lenders with meaningful volume in Royal Palm Beach, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 84.2 percent, against a 76.3 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Royal Palm Beach, FL mortgage lenders offer FHA, VA and USDA loans?

56 lenders closed FHA loans in Royal Palm Beach, Florida in 2025, led by United Wholesale Mortgage with 43. 17 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Royal Palm Beach, FL lender list?

Yes. 40 banks and 19 credit unions closed home loans in Royal Palm Beach, Florida in 2025, alongside 114 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Royal Palm Beach, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Royal Palm Beach, Florida during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Royal Palm Beach, Florida for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Royal Palm Beach. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.