Mortgage Lenders and Brokers in Cedar 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
Cedar Key, Florida mortgage lenders include Seacoast National BankSeacoast National Bank7060 C St, Cedar Key, FL 32625A+5.0 ★Texas Ratio: 2.72%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, Campus USA Credit UnionCampus USA Credit Union14759 NW 157th Ln, Alachua, FL 32615A+5.0 ★Texas Ratio: 2.45%, Space Coast Credit UnionSpace Coast Credit Union20437 State Road 7, Boca Raton, FL 33498A+5.0 ★Texas Ratio: 5.37%, Florida Credit UnionFlorida Credit Union10303 SE US Highway 441, Belleview, FL 34420A+5.0 ★Texas Ratio: 4.76%, Radiant Credit UnionRadiant Credit Union14520 NW US Highway 441, Alachua, FL 32615 8204A+5.0 ★Texas Ratio: 3.03%, First Federal BankFirst Federal Bank300 N Waukesha St, Bonifay, FL 32425A+5.0 ★Texas Ratio: 1.10%, Colony BankColony Bank10970 San Jose Boulevard, Jacksonville, FL 32223A+5.0 ★Texas Ratio: 4.01%, Freedom Mortgage CorporationFreedom Mortgage CorporationBoca Raton, FL, and Acrisure Mortgage, LLCAcrisure Mortgage, LLCOrlando, FL. 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 Cedar Key, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cedar 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 Cedar Key, Florida
Market share is the lender's share of all home loans closed in Cedar 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 Cedar Key 7060 C St, Cedar Key, FL 32625 A+5.0 ★Texas Ratio: 2.72% |
Conventional, HELOC | 1 +1 HELOCs |
2.3% | 50% | $335,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 4 | 9.3% | 100% | $165,000 | View |
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14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45% |
Conventional | 2 | 4.7% | 100% | $170,000 | View |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 2.3% | 100% | $65,000 | View |
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10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76% |
Conventional | 1 | 2.3% | 66.7% | $105,000 | View |
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14520 NW US Highway 441, Alachua, FL 32615 8204 A+5.0 ★Texas Ratio: 3.03% |
Conventional | 1 | 2.3% | 100% | $45,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 2.3% | 100% | $395,000 | View |
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10970 San Jose Boulevard, Jacksonville, FL 32223 A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 2.3% | 100% | $255,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 2.3% | 100% | $205,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 2.3% | 100% | $355,000 | |
Metroplex Mortgage Services
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FHA | 1 | 2.3% | 100% | $85,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 9.3% | 80% | $370,000 | |
21St Mortgage
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Conventional | 3 | 7% | 100% | $145,000 | |
Rocket Mortgage
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FHA, VA | 2 | 4.7% | 42.9% | $220,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 4.7% | 100% | $110,000 | View |
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A5.0 ★Texas Ratio: 8.10% |
VA | 1 | 2.3% | 100% | $485,000 | View |
Go Mortgage, LLC
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Conventional | 1 | 2.3% | 100% | $455,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 2.3% | 100% | $255,000 | |
Kind Lending, LLC
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FHA | 1 | 2.3% | 100% | $185,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 2.3% | 33.3% | $235,000 | |
Amerisave Mortgage Company
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FHA | 1 | 2.3% | 20% | $175,000 | |
loanDepot.com LLC
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Conventional | 1 | 2.3% | 50% | $55,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 2.3% | 100% | $275,000 | View |
Bayshore Mortgage Funding
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FHA | 1 | 2.3% | 100% | $205,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 2.3% | 100% | $145,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 2.3% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 2.3% | 100% | $495,000 | View |
Towne Mortgage Company
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FHA | 1 | 2.3% | 100% | $85,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 2.3% | 100% | $225,000 | |
The Loan Store, Inc
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Conventional | 1 | 2.3% | 100% | $275,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 2.3% | 100% | $145,000 | View |
Plaza Home Mortgage, Inc
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VA | 1 | 2.3% | 100% | $335,000 | |
Figure Lending LLC
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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 |
Cedar 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 Cedar Key, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Cedar Key? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cedar Key in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cedar Key, FL
Use these to narrow the list above. Each category shows how many Cedar Key, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Cedar Key, FL
Independent mortgage companies closed 67.4 percent of home loans in Cedar Key, Florida in 2025, banks 20.9 percent and credit unions 11.6 percent. Freedom Mortgage Corporation was the largest mortgage company, Seacoast National Bank the largest bank and Campus USA Credit Union the largest credit union. Among lenders headquartered in Florida, Seacoast National Bank 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 Cedar Key, FL
By home loans closed in 2025, Seacoast National Bank was the largest mortgage lender in Cedar Key, Florida with 1 loans, about 2.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Cedar Key, Florida in 2025, led by Metroplex Mortgage Services with 1. 5 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 5 banks and 4 credit unions closed home loans in Cedar Key, Florida in 2025, alongside 25 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 Cedar 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 Cedar 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 Cedar 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.
