Mortgage Lenders and Brokers in Big Pine Key, 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
Big Pine Key, Florida mortgage lenders include First Horizon BankFirst Horizon Bank30480 Overseas Hwy, Big Pine Key, FL 33043A+5.0 ★Texas Ratio: 5.76%, Centennial BankCentennial Bank200 Wilder Rd, Big Pine Key, FL 33043A+5.0 ★Texas Ratio: 3.14%, Space Coast Credit UnionSpace Coast Credit Union20437 State Road 7, Boca Raton, FL 33498A+5.0 ★Texas Ratio: 5.37%, Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%, Flagstar Bank NAFlagstar Bank NA20423 State Road 7, Boca Raton, FL 33498D3.3 ★Texas Ratio: 35.11%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, Suncoast Credit UnionSuncoast Credit Union1328 E Oak St, Arcadia, FL 34266A5.0 ★Texas Ratio: 6.26%, and Amerant Bank, N.A.Amerant Bank, N.A.3001 Aventura Blvd, Aventura, FL 33180B+4.7 ★Texas Ratio: 18.65%. 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 Big Pine Key, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Big Pine Key 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 Big Pine Key, Florida
Market share is the lender's share of all home loans closed in Big Pine Key, 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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★ 5 stars, 1 review 1 office in Big Pine Key 30480 Overseas Hwy, Big Pine Key, FL 33043 A+5.0 ★Texas Ratio: 5.76% |
Conventional, FHA, VA | 11 | 10.1% | 91.7% | $520,454 | View |
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1 office in Big Pine Key 200 Wilder Rd, Big Pine Key, FL 33043 A+5.0 ★Texas Ratio: 3.14% |
Conventional, HELOC | 3 +1 HELOCs |
2.8% | 75% | $561,666 | View |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $355,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $155,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 0.9% | 50% | $1,385,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.9% | 100% | $505,000 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.9% | 100% | $935,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3001 Aventura Blvd, Aventura, FL 33180 B+4.7 ★Texas Ratio: 18.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lakeview Loan Servicing, LLC
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FHA, VA | 2 | 1.8% | 33.3% | $730,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.9% | 100% | $615,000 | View |
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C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.9% | 100% | $845,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 33 | 30.3% | 94.3% | $645,303 | |
Rocket Mortgage
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Conventional, FHA | 8 | 7.3% | 69.2% | $388,750 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
2.8% | 75% | $488,333 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, VA | 3 | 2.8% | 100% | $505,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional, VA | 3 | 2.8% | 100% | $485,000 | |
The Loan Store, Inc
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Conventional, HELOC | 2 +2 HELOCs |
1.8% | 100% | $580,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 1.8% | 66.7% | $325,000 | |
Discover Bank
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Conventional | 2 | 1.8% | 50% | $70,000 | |
Belem Servicing, LLC dba Patriot Home Mortgage
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Conventional | 2 | 1.8% | 100% | $825,000 | |
Mutual of Omaha Mortgage
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VA | 2 | 1.8% | 100% | $625,000 | |
New American Funding, LLC.
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VA | 2 | 1.8% | 100% | $710,000 | |
Tidewater Mortgage Services, Inc
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VA | 1 | 0.9% | 100% | $395,000 | |
First Community Mortgage, Inc.
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,245,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.9% | 100% | $175,000 | |
First National Bank of Grayson
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Conventional | 1 | 0.9% | 100% | $385,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $785,000 | |
Norwich Commercial Group Inc
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Conventional | 1 | 0.9% | 100% | $735,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.9% | 100% | $205,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $235,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.9% | 50% | $685,000 | |
Reliant Home Funding, Inc
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Conventional | 1 | 0.9% | 100% | $305,000 | |
American Financing Corporation
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FHA | 1 | 0.9% | 50% | $295,000 | |
Strong Home Mortgage, LLC
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VA | 1 | 0.9% | 100% | $665,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.9% | 100% | $515,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.9% | 100% | $235,000 | |
Intelliloan, Inc.
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FHA | 1 | 0.9% | 100% | $565,000 | |
Embrace Home Loans, Inc.
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VA | 1 | 0.9% | 100% | $625,000 | |
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A+5.0 ★Texas Ratio: 5.45% |
Conventional | 1 | 0.9% | 100% | $525,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.9% | 100% | $695,000 | |
Mortgage Research Center
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VA | 1 | 0.9% | 50% | $705,000 | |
TowneBank
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FHA | 1 | 0.9% | 100% | $395,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.9% | 100% | $435,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.9% | 100% | $515,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.9% | 100% | $195,000 | |
Plaza Home Mortgage, Inc
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VA | 1 | 0.9% | 100% | $625,000 |
Big Pine Key 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 Big Pine Key, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Big Pine Key? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Big Pine Key in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Big Pine Key, FL
Use these to narrow the list above. Each category shows how many Big Pine Key, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Big Pine Key, FL
Independent mortgage companies closed 69.7 percent of home loans in Big Pine Key, Florida in 2025, banks 26.6 percent and credit unions 3.7 percent. Lakeview Loan Servicing, LLC was the largest mortgage company, First Horizon Bank the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, Space Coast Credit Union led with 1 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 Big Pine Key, FL
By home loans closed in 2025, First Horizon Bank was the largest mortgage lender in Big Pine Key, Florida with 11 loans, about 10.1 percent of the market. The largest lender headquartered in Florida was Space Coast Credit Union with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Big Pine Key, Florida in 2025, led by United Wholesale Mortgage with 5. 15 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.
Yes. 17 banks and 3 credit unions closed home loans in Big Pine Key, Florida in 2025, alongside 29 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 Big Pine Key, 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 Big Pine Key, 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 Big Pine Key. 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.
