Mortgage Lenders and Brokers in Carrabelle, 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
Carrabelle, Florida mortgage lenders include Centennial BankCentennial Bank612 Nw Avenue A, Carrabelle, FL 32322A+5.0 ★Texas Ratio: 3.14%, Prime Meridian BankPrime Meridian Bank2201 Crawfordville Hwy, Crawfordville, FL 32327A+5.0 ★Texas Ratio: 2.17%, First Florida Credit UnionFirst Florida Credit Union8300 NW 53rd St, Doral, FL 33166 7710A+5.0 ★Texas Ratio: 3.47%, Tyndall Federal Credit UnionTyndall Federal Credit Union1601 Ohio Ave, Lynn Haven, FL 32444 3746A+5.0 ★Texas Ratio: 0.96%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, First Commerce Credit UnionFirst Commerce Credit Union4472 Lafayette St, Marianna, FL 32446A+5.0 ★Texas Ratio: 3.60%, Usf Credit UnionUsf Credit Union16032 Preserve Marketplace Blvd, Odessa, FL 33556A+5.0 ★Texas Ratio: 5.76%, First Federal BankFirst Federal Bank300 N Waukesha St, Bonifay, FL 32425A+5.0 ★Texas Ratio: 1.10%, Calhoun Liberty Credit UnionCalhoun Liberty Credit Union16076 State Road 71 S, Blountstown, FL 32424 5100A+5.0 ★Texas Ratio: 0.07%, and Colony BankColony Bank10970 San Jose Boulevard, Jacksonville, FL 32223A+5.0 ★Texas Ratio: 4.01%. 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 Carrabelle, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carrabelle 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 Carrabelle, Florida
Market share is the lender's share of all home loans closed in Carrabelle, 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 Carrabelle 612 Nw Avenue A, Carrabelle, FL 32322 A+5.0 ★Texas Ratio: 3.14% |
Conventional, FHA, HELOC | 2 +4 HELOCs |
3.6% | 40% | $200,000 | View |
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2201 Crawfordville Hwy, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.17% |
Conventional, Jumbo | 2 | 3.6% | 100% | $830,000 | View |
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8300 NW 53rd St, Doral, FL 33166 7710 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 2 | 3.6% | 100% | $300,000 | View |
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1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96% |
Conventional, HELOC | 1 +1 HELOCs |
1.8% | 100% | $85,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
VA | 1 | 1.8% | 100% | $545,000 | View |
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4472 Lafayette St, Marianna, FL 32446 A+5.0 ★Texas Ratio: 3.60% |
Conventional | 1 | 1.8% | 100% | $75,000 | View |
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16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 1.8% | 100% | $265,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 1.8% | 100% | $225,000 | View |
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16076 State Road 71 S, Blountstown, FL 32424 5100 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 1 | 1.8% | 100% | $195,000 | View |
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10970 San Jose Boulevard, Jacksonville, FL 32223 A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 1.8% | 100% | $305,000 | View |
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710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 1.8% | 100% | $675,000 | View |
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★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 1.8% | 100% | $295,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
FHA | 1 | 1.8% | 100% | $105,000 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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15000 Nw 140th St, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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11 Preston Cir, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Real Genius LLC
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Conventional | 1 | 1.8% | 100% | $335,000 | |
Rocket Mortgage
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Conventional, FHA | 5 | 9.1% | 71.4% | $383,000 | |
loanDepot.com LLC
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Conventional, FHA, USDA, HELOC | 4 +1 HELOCs |
7.3% | 100% | $100,000 | |
United Wholesale Mortgage
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Conventional | 4 | 7.3% | 100% | $187,500 | |
Thomasville National Bank
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Conventional, Jumbo | 4 | 7.3% | 100% | $557,500 | |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional | 3 | 5.5% | 100% | $155,000 | View |
American Pacific Mortgage Corporation
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FHA | 2 | 3.6% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA | 2 | 3.6% | 100% | $455,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 3.6% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 1.8% | 100% | $565,000 | View |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.8% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 1.8% | 100% | $205,000 | View |
Sun West Mortgage Company, Inc
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FHA | 1 | 1.8% | 100% | $135,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 1.8% | 100% | $385,000 | |
Atlanta Postal Credit Union
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Conventional | 1 | 1.8% | 100% | $225,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.8% | 50% | $45,000 | |
Mortgage Research Center
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FHA | 1 | 1.8% | 100% | $145,000 | |
Citizens Bank of Rogersville
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Conventional | 1 | 1.8% | 100% | $425,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.8% | 100% | $435,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.8% | 100% | $45,000 | |
21St Mortgage
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Conventional | 1 | 1.8% | 33.3% | $125,000 | |
Peoplessouth Bank
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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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A5.0 ★Texas Ratio: 6.55% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Carrabelle 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 Carrabelle, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Carrabelle? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carrabelle in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carrabelle, FL
Use these to narrow the list above. Each category shows how many Carrabelle, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Carrabelle, FL
Independent mortgage companies closed 45.5 percent of home loans in Carrabelle, Florida in 2025, banks 40 percent and credit unions 14.5 percent. Real Genius LLC was the largest mortgage company, Centennial Bank the largest bank and First Florida Credit Union the largest credit union. Among lenders headquartered in Florida, Prime Meridian Bank led with 2 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 Carrabelle, FL
By home loans closed in 2025, Centennial Bank was the largest mortgage lender in Carrabelle, Florida with 2 loans, about 3.6 percent of the market. The largest lender headquartered in Florida was Prime Meridian Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Carrabelle, Florida in 2025, led by Rocket Mortgage with 2. 1 lenders closed VA loans, led by US Bank, N.A., 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. 20 banks and 9 credit unions closed home loans in Carrabelle, Florida in 2025, alongside 14 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 Carrabelle, 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 Carrabelle, 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 Carrabelle. 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.
