Best Mortgage Lenders in Palm Beach County, Florida in 2026

If you are buying or refinancing a home in Palm Beach County, there are plenty of mortgage lenders willing to give you a quote. Finding the company that combines competitive rates, strong service and the right loan products for your situation takes a little more work.

Some borrowers simply need a well-priced conventional mortgage. Others are buying a higher-priced home and need jumbo financing. A self-employed business owner may qualify more effectively with a bank statement loan, while a retiree with substantial investments may be better served by an asset depletion mortgage. Veterans and first-time homebuyers have another set of financing options to consider.

Service is another major part of choosing the right mortgage company.

A good loan officer should be responsive, identify potential issues early and keep the loan moving from application through closing. Competitive pricing gets you in the door; strong execution makes sure you actually get to the closing table.

The best mortgage lenders in Palm Beach County combine all three: competitive mortgage rates, a broad selection of loan programs and a team that can actually get the loan closed.

Mortgage brokers add another advantage because they can compare multiple lenders instead of offering one company's rates and underwriting guidelines. Direct mortgage lenders can still be excellent choices, particularly when they offer strong local teams and a broad product menu.

Below are the 5 best mortgage lenders and mortgage brokers in Palm Beach County in 2026. LendFriend Mortgage stands out as the #1 choice because of its combination of competitive pricing, high-touch service, jumbo and Non-QM expertise and ability to shop multiple lenders for each borrower.

1. LendFriend Mortgage — Best Overall Mortgage Company in Palm Beach County

LendFriend Mortgage is our top choice for borrowers buying or refinancing in Palm Beach County because it combines the service of a smaller mortgage company with access to more than 40 wholesale lenders.

Instead of giving every borrower one set of rates and one underwriting playbook, LendFriend compares lenders based on the borrower's credit, down payment, income, assets, property and overall financing goals.

The model is especially useful in Palm Beach County because LendFriend specializes in Florida jumbo loans and Non-QM mortgages. Buyers purchasing higher-priced homes in Palm Beach, Boca Raton, Jupiter, Palm Beach Gardens or Delray Beach can compare multiple jumbo lenders rather than assuming their bank has the strongest available option.

Jumbo pricing can vary substantially between lenders. One may price aggressively at 20% down while another may be more competitive with 10% or 15% down. Some lenders are better with large investment portfolios, multiple financed properties or complicated income. LendFriend can shop those differences through its broader jumbo mortgage lender network instead of forcing the borrower into one program.

LendFriend is also particularly strong with retirees and high-net-worth borrowers. Its Florida asset depletion mortgage programs allow qualified borrowers to use brokerage accounts, retirement funds and other eligible assets to help qualify for a mortgage without selling a large portion of their portfolio. Palm Beach County attracts plenty of retirees who have accumulated substantial wealth but no longer earn a large salary, making asset-based qualification especially relevant here. LendFriend also offers asset depletion mortgages across its broader lending footprint.

Self-employed borrowers have similar flexibility. LendFriend's Florida bank statement loans can qualify business owners using deposits from 12 or 24 months of bank statements rather than relying solely on taxable income. Different lenders calculate bank statement income differently, so being able to compare programs can materially affect how much someone qualifies to borrow. LendFriend also works with bank statement mortgages nationwide.

Specialty lending is only part of the business. LendFriend works extensively with conventional borrowers, first-time homebuyers and veterans. A first-time buyer purchasing in West Palm Beach gets the same hands-on service as someone financing a multimillion-dollar property in Palm Beach. Veterans can compare VA financing, including larger VA loans where appropriate, without assuming a conventional mortgage is the only option.

Eric and Michael Bernstein, LendFriend's co-founders, also grew up in Boca Raton. The company combines familiarity with South Florida with a national lending network and a team built around being available when clients actually need them.

Pros

• Access to more than 40 wholesale mortgage lenders
• Competitive rates and low-fee mortgage options
• Strong specialization in jumbo and Non-QM loans
• Florida asset depletion programs for retirees and high-net-worth borrowers
• Bank statement loans for business owners and self-employed borrowers
• Experience with VA, conventional and first-time homebuyer loans
• High-touch service throughout the mortgage process
• Strong fit for both straightforward and complicated mortgage files
• Can compare down payment, pricing and underwriting options across multiple lenders

Cons

• Borrowers specifically looking for a traditional bank branch experience may prefer a retail bank or direct lender

2. New American Funding — Best National Direct Mortgage Lender

New American Funding is a large direct mortgage lender with a branch in West Palm Beach. It offers conventional, FHA, VA, jumbo and several specialty mortgage programs.

Its size gives borrowers access to a broad product menu and the infrastructure of a national mortgage company. The tradeoff is lender choice. Because New American Funding is a direct lender, borrowers are limited to its rates, programs and underwriting guidelines.

For a straightforward conventional, FHA or VA loan, New American Funding is worth comparing. Borrowers looking for jumbo or Non-QM financing should also compare a mortgage broker that can shop competing lenders.

Pros

• West Palm Beach branch
• Conventional, FHA, VA and jumbo loans
• Large national lending platform
• First-time homebuyer programs

Cons

• Cannot shop competing wholesale lenders
• Limited to its own pricing and underwriting guidelines
• Jumbo and specialty borrowers may find stronger options elsewhere

3. Absolute Home Mortgage — Best Local Direct Lender

Absolute Home Mortgage is a mortgage banker with a West Palm Beach office offering conventional, FHA, VA, jumbo and specialty mortgage programs.

The company gives borrowers a local point of contact while still operating as a direct lender. Its broader product menu makes it more flexible than a lender focused almost exclusively on conventional mortgages.

Borrowers should still compare pricing and guidelines, particularly on jumbo and Non-QM loans. Absolute can offer what is available through its lending platform, while a broker can compare the same borrower across multiple lenders.

Pros

• West Palm Beach office
• Conventional, FHA, VA and jumbo financing
• Some specialty mortgage programs
• Direct-lender platform

Cons

• Limited to its own lender programs
• Cannot compare competing wholesale pricing
• Less flexibility than a large broker network for complex jumbo and Non-QM loans

4. Palm Beach Mortgage Group — Best for Longstanding Local Experience

Palm Beach Mortgage Group is a West Palm Beach mortgage broker that has operated locally for more than 20 years.

The company offers conventional, FHA, VA, jumbo and other specialty financing and says it works with more than 100 mortgage investors. Borrowers who specifically want an established local office may appreciate its long presence in Palm Beach County.

Its strongest differentiator is longevity rather than a particular specialty. Borrowers with complex jumbo, asset depletion or other Non-QM needs should compare the specific programs available before deciding which broker offers the strongest structure.

Pros

• Longtime Palm Beach County presence
• West Palm Beach office
• Access to multiple lenders
• Conventional, FHA, VA and jumbo financing

Cons

• Less emphasis on advanced jumbo and Non-QM structuring
• Smaller multi-state footprint than LendFriend
• Borrowers should compare specialty program depth and pricing

5. Interconnect Mortgage — Best Palm Beach Gardens-Based Broker

Interconnect Mortgage is a local mortgage broker based in Palm Beach Gardens offering conventional, FHA, VA, jumbo and several Non-QM programs.

Its location may appeal to borrowers who specifically want a Palm Beach Gardens mortgage office. Interconnect also offers bank statement and asset depletion programs, giving it more options than a conventional-only lender.

The company is a smaller brokerage, however, with a more limited geographic footprint and lender network than larger broker platforms. Borrowers with larger jumbo loans or more complicated financial profiles should compare available terms across a broader lender network.

Pros

• Palm Beach Gardens location
• Conventional, FHA, VA and jumbo loans
• Bank statement and asset depletion programs
• Local mortgage broker

Cons

• Smaller lender network
• More limited geographic footprint
• Complex jumbo and Non-QM borrowers may have more options through a larger brokerage

Why Mortgage Brokers Can Be a Strong Choice in Palm Beach County

Direct mortgage lenders and mortgage brokers operate differently.

A direct lender evaluates your application using its own loan programs, underwriting guidelines and pricing. Companies like New American Funding and Absolute Home Mortgage can be excellent options when their programs line up well with your financial profile.

Mortgage brokers can compare several lenders.

The difference matters even on a straightforward conventional mortgage because wholesale rates and lender fees can vary. It becomes more important with jumbo and Non-QM loans, where underwriting guidelines can be dramatically different from one lender to another.

Consider a buyer purchasing a $2 million home in Boca Raton with 15% down. One jumbo lender may have aggressive pricing but require 20% down. Another may allow 15% down but charge a higher rate. A third lender may provide both the desired down payment and more competitive pricing because the borrower has substantial reserves.

A broker can compare those choices before deciding where to send the loan.

The same principle applies to retirees.

A Palm Beach buyer with $4 million in investment and retirement accounts might qualify for very different loan amounts depending on how each asset depletion lender treats those assets. One lender may use a more favorable calculation for brokerage accounts. Another could be stronger with retirement funds. Someone with substantial assets should not assume every asset depletion mortgage produces the same result.

Bank statement loans are equally lender-dependent. One lender may apply a standard business expense factor while another accepts a lower documented expense ratio. The second calculation can produce substantially more qualifying income from the same bank statements.

Rate shopping is only part of the broker's job. A good mortgage broker also compares loan structure, down payment, fees, reserve requirements and underwriting guidelines.

The objective is not simply finding someone willing to approve the mortgage. The objective is finding the lender offering the strongest overall loan for the borrower.

Final Thoughts

Palm Beach County has strong mortgage options whether you are buying your first home, moving to Florida for retirement, refinancing an existing property or financing a multimillion-dollar purchase.

New American Funding is a strong choice for borrowers who want a major national direct lender with a West Palm Beach presence. Absolute Home Mortgage offers a local direct-lending experience with a broad loan menu. Palm Beach Mortgage Group brings decades of local mortgage experience, while Interconnect Mortgage combines Palm Beach Gardens service with conventional and Non-QM financing.

LendFriend Mortgage stands out as the best overall choice because it combines competitive rates, a broad lender network and expertise across the mortgage products Palm Beach County borrowers regularly need.

A veteran purchasing in Wellington may need a VA mortgage. A business owner in Boca Raton may qualify for substantially more using bank statements. A retiree moving to Palm Beach or Jupiter may want to use investment assets to qualify rather than selling a large portfolio. A buyer purchasing a higher-priced home may need a jumbo lender willing to finance the property with the down payment and terms they want.

LendFriend can work across all of those scenarios while comparing multiple lenders before choosing where the mortgage belongs.

Buying or refinancing a home is a major financial transaction. You should expect competitive pricing, responsive service and a mortgage product built around your financial situation.

Palm Beach County has several good mortgage companies. LendFriend Mortgage is our #1 choice for borrowers who want all three.