Mortgage Lenders and Brokers in Chipley, 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
Chipley, Florida mortgage lenders include Regions BankRegions Bank862 Main St, Chipley, FL 32428A+5.0 ★Texas Ratio: 4.37%, First Federal BankFirst Federal Bank1012 Main St, Chipley, FL 32428A+5.0 ★Texas Ratio: 1.10%, Community South Credit UnionCommunity South Credit Union1044 Highway 90, Chipley, FL 32428A+5.0 ★Texas Ratio: 0.00%, Innovations Financial Credit UnionInnovations Financial Credit Union976 Main St, Chipley, FL 32428 1926A+5.0 ★Texas Ratio: 1.14%, Tyndall Federal Credit UnionTyndall Federal Credit Union1601 Ohio Ave, Lynn Haven, FL 32444 3746A+5.0 ★Texas Ratio: 0.96%, CCB Community BankCCB Community Bank1290 N Ferdon Blvd, Crestview, FL 32536A+5.0 ★Texas Ratio: 1.73%, The Central Trust BankThe Central Trust Bank3701 Tamiami Trl N, Naples, FL 34103A+5.0 ★Texas Ratio: 3.12%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Space Coast Credit UnionSpace Coast Credit Union20437 State Road 7, Boca Raton, FL 33498A+5.0 ★Texas Ratio: 5.37%, and Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%. 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 Chipley, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Chipley 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 Chipley, Florida
Market share is the lender's share of all home loans closed in Chipley, 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 Chipley 862 Main St, Chipley, FL 32428 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 10 +2 HELOCs |
10.9% | 61.1% | $112,000 | View |
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1 office in Chipley 1012 Main St, Chipley, FL 32428 A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA | 4 | 4.3% | 100% | $200,000 | View |
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1044 Highway 90, Chipley, FL 32428 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.1% | 50% | $505,000 | View |
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976 Main St, Chipley, FL 32428 1926 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 12 | 13% | 92.3% | $128,333 | View |
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1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 8 | 8.7% | 100% | $91,250 | View |
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1290 N Ferdon Blvd, Crestview, FL 32536 A+5.0 ★Texas Ratio: 1.73% |
Conventional | 1 | 1.1% | 100% | $265,000 | View |
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3701 Tamiami Trl N, Naples, FL 34103 A+5.0 ★Texas Ratio: 3.12% |
FHA | 1 | 1.1% | 100% | $295,000 | 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 | 1.1% | 100% | $385,000 | View |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
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% | n/a | 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 +1 HELOCs |
0% | n/a | View | |
New Day Financial, LLC.
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VA | 1 | 1.1% | 100% | $265,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 7 | 7.6% | 77.8% | $243,571 | |
Rocket Mortgage
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Conventional, FHA, VA | 6 | 6.5% | 85.7% | $215,000 | |
21St Mortgage
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Conventional | 6 | 6.5% | 54.5% | $208,333 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA | 4 | 4.3% | 100% | $247,500 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA | 3 | 3.3% | 100% | $258,333 | View |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 2.2% | 100% | $230,000 | |
Pennymac Loan Services LLC
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FHA, USDA | 2 | 2.2% | 100% | $185,000 | |
Guild Mortgage Company
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Conventional, FHA | 2 | 2.2% | 100% | $235,000 | |
New American Funding, LLC.
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FHA, VA | 2 | 2.2% | 66.7% | $135,000 | |
Guaranteed Rate Affinity, LLC
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VA | 1 | 1.1% | 100% | $195,000 | |
Michigan Schools and Governmen
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Conventional | 1 | 1.1% | 100% | $185,000 | |
Nbkc Bank
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VA | 1 | 1.1% | 100% | $685,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.1% | 100% | $185,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 1.1% | 100% | $285,000 | |
Princeton Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 1.1% | 100% | $365,000 | View |
American Financing Corporation
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FHA | 1 | 1.1% | 100% | $145,000 | |
Nfm, Inc
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FHA | 1 | 1.1% | 100% | $145,000 | |
Land Home Financial Services,
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Conventional | 1 | 1.1% | 100% | $55,000 | |
Premier Lending Inc.
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VA | 1 | 1.1% | 100% | $345,000 | |
Nationstar Mortgage
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FHA | 1 | 1.1% | 50% | $105,000 | |
Mortgage Research Center
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VA | 1 | 1.1% | 50% | $385,000 | |
Towne Mortgage Company
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Conventional | 1 | 1.1% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 1.1% | 100% | $385,000 | View |
DHI Mortgage Company, LTD.
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VA | 1 | 1.1% | 100% | $205,000 | |
Five Star Credit Union
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Conventional | 1 | 1.1% | 50% | $85,000 | |
Southwest Funding LP
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VA | 1 | 1.1% | 100% | $365,000 | |
Village Capital & Investment
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VA | 1 | 1.1% | 100% | $315,000 | |
Peoplessouth Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
All In Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Chipley 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 Chipley, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Chipley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Chipley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Chipley, FL
Use these to narrow the list above. Each category shows how many Chipley, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Chipley, FL
Independent mortgage companies closed 48.9 percent of home loans in Chipley, Florida in 2025, banks 26.1 percent and credit unions 25 percent. New Day Financial, LLC. was the largest mortgage company, Regions Bank the largest bank and Community South Credit Union the largest credit union. Among lenders headquartered in Florida, First Federal Bank led with 4 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 Chipley, FL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Chipley, Florida with 10 loans, about 10.9 percent of the market. The largest lender headquartered in Florida was First Federal Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Chipley, Florida in 2025, led by Rocket Mortgage with 2. 13 lenders closed VA loans, led by United Wholesale Mortgage, 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. 12 banks and 7 credit unions closed home loans in Chipley, Florida in 2025, alongside 24 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 Chipley, 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 Chipley, 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 Chipley. 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.
