Mortgage Lenders and Brokers in Christmas, 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
Christmas, Florida mortgage lenders include Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Community Credit Union of FloridaCommunity Credit Union of Florida660 West Ave, Cocoa, FL 32927 4971A+5.0 ★Texas Ratio: 1.43%, Fairwinds Credit UnionFairwinds Credit Union891 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 2.64%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Addition Financial Credit UnionAddition Financial Credit Union847 S Orange Blossom Trl, Apopka, FL 32703A5.0 ★Texas Ratio: 6.85%, First Federal BankFirst Federal Bank300 N Waukesha St, Bonifay, FL 32425A+5.0 ★Texas Ratio: 1.10%, Trustco BankTrustco Bank909 West State Rd 434, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.14%, TD BankTD Bank514 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.71%, Bny Mellon, N.A.Bny Mellon, N.A.350 E Las Olas Blvd Ste 1400, Fort Lauderdale, FL 33301A+5.0 ★Texas Ratio: 0.37%, and United Southern BankUnited Southern Bank331 Raintree Dr, Altoona, FL 32702A+5.0 ★Texas Ratio: 3.19%. 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 Christmas, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Christmas 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 Christmas, Florida
Market share is the lender's share of all home loans closed in Christmas, 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 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
2.5% | 100% | $721,666 | View |
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660 West Ave, Cocoa, FL 32927 4971 A+5.0 ★Texas Ratio: 1.43% |
Conventional | 3 | 2.5% | 75% | $335,000 | View |
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891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64% |
Conventional, HELOC | 2 +3 HELOCs |
1.7% | 100% | $170,000 | 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 |
1.7% | 100% | $555,000 | View |
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847 S Orange Blossom Trl, Apopka, FL 32703 A5.0 ★Texas Ratio: 6.85% |
Conventional, HELOC | 2 +1 HELOCs |
1.7% | 50% | $275,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA | 2 | 1.7% | 100% | $550,000 | View |
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★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $355,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.8% | 100% | $1,085,000 | View |
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350 E Las Olas Blvd Ste 1400, Fort Lauderdale, FL 33301 A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,355,000 | View |
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331 Raintree Dr, Altoona, FL 32702 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.8% | 100% | $485,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo | 1 | 0.8% | 50% | $1,255,000 | View |
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1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.8% | 100% | $135,000 | View |
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2501 N Rocky Point Dr, Tampa, FL 33607 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,005,000 | View |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.8% | 100% | $775,000 | 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% |
Conventional | 1 | 0.8% | 50% | $525,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65% |
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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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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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.8% | 40% | $45,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $595,000 | |
The Mortgage Firm
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Conventional | 1 | 0.8% | 100% | $255,000 | |
Pulte Mortgage LLC
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Conventional, VA, Jumbo | 20 | 16.5% | 74.1% | $621,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 14 +1 HELOCs |
11.6% | 88.2% | $438,571 | |
Rocket Mortgage
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Conventional, FHA, Jumbo | 13 | 10.7% | 86.7% | $434,230 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 7 | 5.8% | 100% | $352,142 | |
Guaranteed Rate, Inc.
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FHA, VA, Jumbo | 3 | 2.5% | 100% | $528,333 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 3 | 2.5% | 100% | $741,666 | |
M/I Financial. LLC
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Conventional, Jumbo | 3 | 2.5% | 100% | $828,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +1 HELOCs |
1.7% | 66.7% | $190,000 | |
loanDepot.com LLC
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Conventional | 2 | 1.7% | 66.7% | $270,000 | |
Guidance Residential, LLC
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Conventional | 2 | 1.7% | 100% | $285,000 | |
Waterstone Mortgage Corporation
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Conventional, FHA | 2 | 1.7% | 100% | $480,000 | |
Southwest Airlines FCU
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Conventional | 1 | 0.8% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.8% | 100% | $265,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $215,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.8% | 100% | $735,000 | |
Primelending
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VA | 1 | 0.8% | 100% | $645,000 | |
Atlantic Coast Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $625,000 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.8% | 100% | $405,000 | View |
Advancial Federal Credit Union
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Conventional | 1 | 0.8% | 100% | $775,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.8% | 33.3% | $165,000 | |
Discover Bank
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Conventional | 1 | 0.8% | 100% | $45,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.8% | 100% | $435,000 | |
Point Mortgage Corp
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Conventional | 1 | 0.8% | 100% | $445,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.8% | 100% | $705,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.8% | 50% | $125,000 | |
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A5.0 ★Texas Ratio: 8.91% |
Conventional | 1 | 0.8% | 100% | $765,000 | View |
The Loan Store, Inc
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Conventional | 1 | 0.8% | 100% | $635,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.8% | 100% | $275,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.8% | 100% | $525,000 | View |
21St Mortgage
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Conventional | 1 | 0.8% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.8% | 100% | $305,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.8% | 100% | $625,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.8% | 100% | $475,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.8% | 50% | $205,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.8% | 100% | $105,000 | View |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.69% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Valon Mortgage
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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 |
Christmas 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 Christmas, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Christmas? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Christmas in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Christmas, FL
Use these to narrow the list above. Each category shows how many Christmas, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Christmas, FL
Independent mortgage companies closed 68.6 percent of home loans in Christmas, Florida in 2025, banks 21.5 percent and credit unions 9.9 percent. Lakeview Loan Servicing, LLC was the largest mortgage company, Truist Bank the largest bank and Community Credit Union of Florida the largest credit union. Among lenders headquartered in Florida, Community Credit Union 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 Christmas, FL
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Christmas, Florida with 3 loans, about 2.5 percent of the market. The largest lender headquartered in Florida was Community Credit Union of Florida with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Christmas, Florida in 2025, led by United Wholesale Mortgage with 7. 6 lenders closed VA loans, led by Pennymac Loan Services LLC. 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. 26 banks and 12 credit unions closed home loans in Christmas, 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 Christmas, 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 Christmas, 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 Christmas. 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.
