Mortgage Lenders and Brokers in Atlantic Beach, Florida
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Atlantic Beach, Florida mortgage lenders include Truist BankTruist Bank363 Atlantic Blvd, Atlantic Beach, FL 32233A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA1031 Atlantic Blvd, Atlantic Beach, FL 32233A+5.0 ★Texas Ratio: 5.36%, VyStar Credit UnionVyStar Credit Union16201 NW US Highway 441, Alachua, FL 32615 6399A5.0 ★Texas Ratio: 9.56%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, Citizens Bank, NACitizens Bank, NA2222 Ponce De Leon Blvd, Coral Gables, FL 33134A+5.0 ★Texas Ratio: 5.44%, First Horizon BankFirst Horizon Bank520 W Highway 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.76%, TD BankTD Bank514 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.71%, and Fifth Third Bank, National AssociationFifth Third Bank, National Association254 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.22%. 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 Atlantic Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Atlantic 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 Atlantic Beach, Florida
Market share is the lender's share of all home loans closed in Atlantic 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 |
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★ 1 stars, 1 review 1 office in Atlantic Beach 363 Atlantic Blvd, Atlantic Beach, FL 32233 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $265,000 | View |
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1 office in Atlantic Beach 1031 Atlantic Blvd, Atlantic Beach, FL 32233 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 1 | 0.4% | 33.3% | $1,245,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, Jumbo, HELOC | 16 +11 HELOCs |
6.9% | 72.7% | $431,875 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 7 +6 HELOCs |
3% | 87.5% | $2,710,714 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo, HELOC | 7 +2 HELOCs |
3% | 88.9% | $672,142 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, HELOC | 4 +2 HELOCs |
1.7% | 100% | $510,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.9% | 100% | $1,455,000 | View |
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★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 2 | 0.9% | 100% | $1,305,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.4% | 100% | $1,825,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $165,000 | View |
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18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $1,365,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,005,000 | View |
Radifi Federal Credit Union
801 Atlantic Blvd, Atlantic Beach, FL 32233 |
Conventional | 1 | 0.4% | 33.3% | $155,000 | |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
Conventional | 1 | 0.4% | 100% | $745,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.4% | 50% | $285,000 | View |
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2300 N Ponce De Leon Blvd, Saint Augustine, FL 32084 A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.4% | 100% | $555,000 | View |
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550 South Andrews Avenue Suite 640, Fort Lauderdale, FL 33301 A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.4% | 100% | $765,000 | View |
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★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
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★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 3.41% |
Conventional, Jumbo, HELOC | 18 +3 HELOCs |
7.8% | 90% | $307,222 | View |
Freedom Mortgage Corporation
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VA | 1 | 0.4% | 100% | $725,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 50% | $345,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 23 | 10% | 86.2% | $543,695 | |
Rocket Mortgage
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Conventional, Jumbo | 21 | 9.1% | 84.6% | $268,809 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo, HELOC | 18 +1 HELOCs |
7.8% | 100% | $421,666 | |
Loanpeople, LLC
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Conventional, Jumbo | 8 | 3.5% | 100% | $687,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 7 +10 HELOCs |
3% | 100% | $193,571 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo, HELOC | 6 +1 HELOCs |
2.6% | 100% | $831,666 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, USDA, Jumbo | 4 | 1.7% | 100% | $412,500 | View |
Mortgage Research Center
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VA | 4 | 1.7% | 66.7% | $357,500 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 4 | 1.7% | 100% | $722,500 | View |
loanDepot.com LLC
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Conventional | 3 | 1.3% | 100% | $345,000 | |
Nfm, Inc
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Conventional, Jumbo | 3 | 1.3% | 100% | $1,525,000 | |
Cardinal Financial Company, Li
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Conventional | 3 | 1.3% | 100% | $711,666 | |
Prosperity Home Mortgage, LLC
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Conventional, VA, Jumbo | 3 | 1.3% | 100% | $625,000 | |
The Loan Store, Inc
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Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $315,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.9% | 50% | $205,000 | |
Southwest Airlines FCU
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Conventional | 2 | 0.9% | 100% | $70,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 2 | 0.9% | 100% | $1,140,000 | |
Everett Financial, Inc.
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Conventional, Jumbo | 2 | 0.9% | 100% | $940,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 2 | 0.9% | 100% | $345,000 | View |
Pennymac Loan Services LLC
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Conventional | 2 | 0.9% | 100% | $340,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional, Jumbo | 2 | 0.9% | 100% | $1,240,000 | View |
Union Home Mortgage Corp.
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Conventional | 2 | 0.9% | 100% | $210,000 | |
Nations Direct Mortgage, LLC
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Conventional | 2 | 0.9% | 100% | $260,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.9% | 100% | $290,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.9% | 100% | $150,000 | View |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 0.9% | 100% | $295,000 | |
Texana Bank
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Conventional, FHA | 2 | 0.9% | 100% | $425,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 0.9% | 100% | $640,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $105,000 | |
EMM Loans LLC
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Conventional | 1 | 0.4% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,515,000 | View |
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A+5.0 ★Texas Ratio: 0.08% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
Kind Lending, LLC
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Conventional | 1 | 0.4% | 50% | $415,000 | |
5Th Sreet Capital Inc.
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Conventional | 1 | 0.4% | 100% | $525,000 | |
Resicentral LLC
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VA | 1 | 0.4% | 100% | $355,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.4% | 50% | $85,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 33.3% | $55,000 | |
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A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.4% | 100% | $485,000 | View |
Select Lending Services, LLC
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Conventional | 1 | 0.4% | 100% | $755,000 | |
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A+5.0 ★Texas Ratio: 0.10% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,235,000 | View |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $615,000 | |
Nationstar Mortgage
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VA | 1 | 0.4% | 50% | $485,000 | |
Saygo Home Loans, LLC
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Conventional | 1 | 0.4% | 50% | $235,000 | |
Gulf Coast Bank and Trust
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Conventional | 1 | 0.4% | 100% | $315,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 100% | $285,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $265,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 0.70% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,625,000 | View |
Barwick Banking Company
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Conventional | 1 | 0.4% | 100% | $795,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.4% | 100% | $365,000 | View |
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A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.4% | 100% | $385,000 | View |
American Neighborhood Mortgage Acceptance Company
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VA | 1 | 0.4% | 50% | $395,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Bank Ozk
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Nrl Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Atlantic Beach Mortgage Rate Trends
Daily average mortgage rates for Florida compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Atlantic Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Atlantic Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Atlantic Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Atlantic Beach, FL
Use these to narrow the list above. Each category shows how many Atlantic Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Atlantic Beach, FL
Independent mortgage companies closed 58.4 percent of home loans in Atlantic Beach, Florida in 2025, banks 22.1 percent and credit unions 19.5 percent. Freedom Mortgage Corporation was the largest mortgage company, Truist Bank the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, VyStar Credit Union led with 16 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
Frequently Asked Questions About Mortgage Lenders in Atlantic Beach, FL
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Atlantic Beach, Florida with 1 loans, about 0.4 percent of the market. The largest lender headquartered in Florida was VyStar Credit Union with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Atlantic Beach, Florida in 2025, led by United Wholesale Mortgage with 4. 10 lenders closed VA loans, led by Movement Mortgage, LLC, and 1 closed USDA rural loans. 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.
Yes. 36 banks and 10 credit unions closed home loans in Atlantic Beach, Florida in 2025, alongside 42 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.
Lenders are ranked only by the number of home loans they closed in Atlantic 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 Atlantic 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 Atlantic 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.
