Mortgage Lenders and Brokers in Bay Harbor Islands, 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
Bay Harbor Islands, Florida mortgage lenders include Regions BankRegions Bank1132 Kane Concourse, Bay Harbor Islands, FL 33154A+5.0 ★Texas Ratio: 4.37%, Bank of America NABank of America NA1108 Kane Concourse, Bay Harbor Islands, FL 33154A+5.0 ★Texas Ratio: 4.14%, City National Bank of FloridaCity National Bank of Florida2999 Ne 191st St, Aventura, FL 33180A5.0 ★Texas Ratio: 7.12%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, 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%, M&T BankM&T Bank850 Park Shore Drive, Naples, FL 34103A+5.0 ★Texas Ratio: 4.11%, Helm Bank USAHelm Bank USA999 Brickell Ave, Miami, FL 33131A5.0 ★Texas Ratio: 10.01%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, and Educational Federal Credit UnionEducational Federal Credit Union16460 SW 304th St, Homestead, FL 33033 3260A+5.0 ★Texas Ratio: 2.35%. 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 Bay Harbor Islands, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bay Harbor Islands 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 Bay Harbor Islands, Florida
Market share is the lender's share of all home loans closed in Bay Harbor Islands, 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 office in Bay Harbor Islands 1132 Kane Concourse, Bay Harbor Islands, FL 33154 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +2 HELOCs |
1.7% | 100% | $125,000 | View |
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1 office in Bay Harbor Islands 1108 Kane Concourse, Bay Harbor Islands, FL 33154 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
1.7% | 50% | $755,000 | View |
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2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
Conventional, Jumbo | 3 | 5.2% | 100% | $2,048,333 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
3.4% | 100% | $1,250,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
1.7% | 100% | $4,505,000 | 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, HELOC | 1 +1 HELOCs |
1.7% | 33.3% | $1,255,000 | View |
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850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 1 | 1.7% | 100% | $2,405,000 | View |
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999 Brickell Ave, Miami, FL 33131 A5.0 ★Texas Ratio: 10.01% |
Conventional | 1 | 1.7% | 100% | $765,000 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.7% | 100% | $245,000 | View |
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16460 SW 304th St, Homestead, FL 33033 3260 A+5.0 ★Texas Ratio: 2.35% |
Conventional | 1 | 1.7% | 100% | $45,000 | 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% |
Conventional, Jumbo | 1 | 1.7% | 100% | $905,000 | View |
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3011 Ponce De Leon Boulevard Ph1, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 1.32% |
Conventional | 1 | 1.7% | 100% | $595,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 1.7% | 50% | $105,000 | View |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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20295 S Dixie Hwy, Cutler Bay, FL 33189 1207 A+5.0 ★Texas Ratio: 1.61% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 5 | 8.6% | 75% | $563,000 | View |
Reliable Holdings Manager dba Lendz Financial
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Conventional, Jumbo | 1 | 1.7% | 50% | $865,000 | |
United Wholesale Mortgage
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Conventional, Jumbo | 6 | 10.3% | 60% | $590,000 | |
Rocket Mortgage
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Conventional | 2 | 3.4% | 60% | $395,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 3.4% | 100% | $730,000 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 2 | 3.4% | 100% | $1,000,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 2 | 3.4% | 100% | $405,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 2 | 3.4% | 100% | $815,000 | View |
Fundloans Capital
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Conventional | 1 | 1.7% | 100% | $665,000 | |
Affordable Mortgage Advisors
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Conventional | 1 | 1.7% | 100% | $485,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, Jumbo | 1 | 1.7% | 33.3% | $1,275,000 | View |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 1.7% | 100% | $335,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 1.7% | 100% | $465,000 | |
Resicentral LLC
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Conventional | 1 | 1.7% | 100% | $425,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.7% | 100% | $545,000 | |
MortgageCountry
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Conventional | 1 | 1.7% | 100% | $255,000 | |
Trustone Financial Credit Union
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Conventional | 1 | 1.7% | 100% | $65,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 1.7% | 100% | $755,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 1.7% | 100% | $335,000 | |
First National Bank of Pana
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Conventional | 1 | 1.7% | 100% | $655,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 1.7% | 100% | $665,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 1.7% | 100% | $3,505,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.7% | 100% | $715,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.7% | 100% | $305,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 1.7% | 100% | $515,000 | |
Gershman Investment Corp.
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Conventional | 1 | 1.7% | 100% | $185,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 1.7% | 100% | $195,000 | |
Champions Funding, LLC
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Conventional | 1 | 1.7% | 100% | $635,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Everett Financial, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Bay Harbor Islands 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 Bay Harbor Islands, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Bay Harbor Islands? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bay Harbor Islands in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bay Harbor Islands, FL
Use these to narrow the list above. Each category shows how many Bay Harbor Islands, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Bay Harbor Islands, FL
Independent mortgage companies closed 58.6 percent of home loans in Bay Harbor Islands, Florida in 2025, banks 37.9 percent and credit unions 3.4 percent. A&D Mortgage LLC was the largest mortgage company, Regions Bank the largest bank and Educational Federal Credit Union the largest credit union. Among lenders headquartered in Florida, City National Bank of Florida led with 3 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 Bay Harbor Islands, FL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Bay Harbor Islands, Florida with 1 loans, about 1.7 percent of the market. The largest lender headquartered in Florida was City National Bank of Florida with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 22 banks and 4 credit unions closed home loans in Bay Harbor Islands, Florida in 2025, alongside 26 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 Bay Harbor Islands, 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 Bay Harbor Islands, 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 Bay Harbor Islands. 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.
