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Mortgage Lenders and Brokers in Clearwater, Florida

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Clearwater, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA511 S Fort Harrison Ave, Clearwater, FL 33756A+5.0 ★Texas Ratio: 3.68%, Regions BankRegions Bank5200 E Bay Dr, Clearwater, FL 33764A+5.0 ★Texas Ratio: 4.37%, Bank of America NABank of America NA3000 Enterprise Rd E, Clearwater, FL 33759A+5.0 ★Texas Ratio: 4.14%, Third Federal Savings and LoanThird Federal Savings and Loan29247 Us Highway 19 N, Clearwater, FL 33761A+5.0 ★Texas Ratio: 2.32%, Fifth Third Bank, National AssociationFifth Third Bank, National Association2710 Gulf To Bay Blvd, Clearwater, FL 33759A+5.0 ★Texas Ratio: 3.22%, Wells Fargo Bank NAWells Fargo Bank NA1551 S Belcher Rd, Clearwater, FL 33764A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank1299 S Missouri Ave, Clearwater, FL 33756A+5.0 ★Texas Ratio: 2.87%, The Bank of TampaThe Bank of Tampa900 S Fort Harrison Ave, Clearwater, FL 33756A+5.0 ★Texas Ratio: 2.04%, PNC Bank N.A.PNC Bank N.A.2575 Countryside Blvd, Clearwater, FL 33761A+5.0 ★Texas Ratio: 4.24%, and Hancock Whitney BankHancock Whitney Bank28163 Us Highway 19 N, Clearwater, FL 33761A+5.0 ★Texas Ratio: 3.41%. 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 Clearwater, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Clearwater 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 Clearwater, Florida

Market share is the lender's share of all home loans closed in Clearwater, 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
JPMorgan Chase Bank, NA 6 offices in Clearwater 511 S Fort Harrison Ave, Clearwater, FL 33756 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	27 +2 HELOCs	1.5%	84.8%	$333,148	View
Regions Bank 6 offices in Clearwater 5200 E Bay Dr, Clearwater, FL 33764 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, Jumbo, HELOC	24 +43 HELOCs	1.3%	50%	$198,750	View
Bank of America NA 4 offices in Clearwater 3000 Enterprise Rd E, Clearwater, FL 33759 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	21 +40 HELOCs	1.2%	87.5%	$391,666	View
Third Federal Savings and Loan 1 office in Clearwater 29247 Us Highway 19 N, Clearwater, FL 33761 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	20 +33 HELOCs	1.1%	71.4%	$213,500	View
Fifth Third Bank, National Association 8 offices in Clearwater 2710 Gulf To Bay Blvd, Clearwater, FL 33759 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	14 +17 HELOCs	0.8%	60%	$595,000	View
Wells Fargo Bank NA 5 offices in Clearwater 1551 S Belcher Rd, Clearwater, FL 33764 A+5.0 ★Texas Ratio: 5.36%	Conventional	13	0.7%	52%	$251,923	View
Truist Bank ★ 1 stars, 1 review 7 offices in Clearwater 1299 S Missouri Ave, Clearwater, FL 33756 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	12 +35 HELOCs	0.7%	80%	$545,000	View
The Bank of Tampa 1 office in Clearwater 900 S Fort Harrison Ave, Clearwater, FL 33756 A+5.0 ★Texas Ratio: 2.04%	Conventional, Jumbo	5	0.3%	71.4%	$425,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Clearwater 2575 Countryside Blvd, Clearwater, FL 33761 A+5.0 ★Texas Ratio: 4.24%	Conventional, VA, Jumbo, HELOC	4 +16 HELOCs	0.2%	80%	$467,500	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 1 office in Clearwater 28163 Us Highway 19 N, Clearwater, FL 33761 A+5.0 ★Texas Ratio: 3.41%	Conventional, FHA, VA, HELOC	4 +6 HELOCs	0.2%	100%	$347,500	View
TD Bank 2 offices in Clearwater 28100 Us Highway 19 N, Clearwater, FL 33761 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	4 +5 HELOCs	0.2%	80%	$907,500	View
Valley National Bank 2 offices in Clearwater 2571 Countryside Blvd, Clearwater, FL 33761 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.2%	80%	$700,000	View
American Momentum Bank 1 office in Clearwater 1001 S Fort Harrison Ave, Clearwater, FL 33756 A5.0 ★Texas Ratio: 12.55%	Conventional, Jumbo	3	0.2%	50%	$738,333	View
Cogent Bank 1 office in Clearwater 28059 Us Highway 19 N, Clearwater, FL 33761 A+5.0 ★Texas Ratio: 2.54%	Conventional	1	0.1%	100%	$375,000	View
Midflorida Credit Union ★ 1 stars, 1 review 29383 US Highway 19 N, Clearwater, FL 33761 A+5.0 ★Texas Ratio: 3.18%	Conventional, HELOC	28 +16 HELOCs	1.6%	56%	$135,000	View
Achieva Credit Union 2201 Drew St, Clearwater, FL 33765 A+5.0 ★Texas Ratio: 2.57%	Conventional, FHA, Jumbo, HELOC	21 +76 HELOCs	1.2%	80.8%	$263,095	View
Suncoast Credit Union 1875 N Belcher Rd Ste 100, Clearwater, FL 33765 1451 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	18 +21 HELOCs	1%	95%	$331,111	View
Gte Federal Credit Union 29492 US Highway 19 N, Clearwater, FL 33761 A5.0 ★Texas Ratio: 7.65%	Conventional, FHA, HELOC	16 +2 HELOCs	0.9%	72.7%	$266,875	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo	10	0.6%	71.4%	$828,000	View
Ithink Financial Credit Union 790 Park of Commerce Blvd, Boca Raton, FL 33487 A+5.0 ★Texas Ratio: 5.06%	Conventional, USDA, Jumbo, HELOC	9 +2 HELOCs	0.5%	90%	$213,888	View
Grow Financial Federal Credit Union 2474 State Road 580, Clearwater, FL 33761 A+5.0 ★Texas Ratio: 3.70%	Conventional	9	0.5%	81.8%	$122,777	View
Southstate Bank, National Association ★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27%	Conventional, HELOC	7 +3 HELOCs	0.4%	70%	$109,285	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA, VA	6	0.3%	85.7%	$336,666	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	5	0.3%	60%	$99,000	View
Republic Bank & Trust 12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91%	Conventional, HELOC	4 +10 HELOCs	0.2%	80%	$160,000	View
Floridacentral Credit Union 2201 NE Coachman Rd Ste 101, Clearwater, FL 33765 2200 A+5.0 ★Texas Ratio: 5.46%	Conventional, HELOC	3 +3 HELOCs	0.2%	100%	$191,666	View
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	100%	$1,131,666	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional	3	0.2%	75%	$431,666	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional	3	0.2%	100%	$308,333	View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	Conventional, Jumbo, HELOC	2 +9 HELOCs	0.1%	100%	$1,560,000	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	2	0.1%	100%	$2,615,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional	2	0.1%	66.7%	$295,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	1 +7 HELOCs	0.1%	50%	$885,000	View
Trustco Bank ★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	50%	$825,000	View
Servisfirst Bank 316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75%	Conventional	1	0.1%	100%	$445,000	View
Climate First Bank 2755 E Orange Ave, Eustis, FL 32726 A+5.0 ★Texas Ratio: 1.15%	Conventional	1	0.1%	100%	$485,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$295,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional	1	0.1%	100%	$505,000	View
First Commerce Credit Union 4472 Lafayette St, Marianna, FL 32446 A+5.0 ★Texas Ratio: 3.60%	Conventional	1	0.1%	100%	$355,000	View
Fairwinds Credit Union 891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64%	Conventional	1	0.1%	100%	$225,000	View
First Ciitizens Bank and Trust 3024 Enterprise Rd E, Clearwater, FL 33759 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	100%	$365,000	View
Bankplus 4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80%	Conventional	1	0.1%	100%	$165,000	View
First Florida Credit Union 8300 NW 53rd St, Doral, FL 33166 7710 A+5.0 ★Texas Ratio: 3.47%	Conventional	1	0.1%	100%	$415,000	View
VyStar Credit Union 16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56%	Conventional	1	0.1%	100%	$215,000	View
Natbank N.A. 970 N Congress Ave, Boynton Beach, FL 33426 A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0.1%	100%	$95,000	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	50%	$395,000	View
Tampa Postal FCU 959 E Brandon Blvd, Brandon, FL 33511 A+5.0 ★Texas Ratio: 0.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	HELOC	0 +1 HELOCs	0%	n/a		View
Usf Credit Union 16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +1 HELOCs	0%	50%		View
BMO Harris Bank NA 5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +1 HELOCs	0%	n/a		View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	37	2.1%	92.5%	$167,432	View
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	32	1.8%	87.2%	$390,312
The Mortgage Firm	Conventional	13	0.7%	100%	$182,692
Lakeview Loan Servicing, LLC	Conventional, FHA, VA, Jumbo	10	0.6%	48.6%	$467,000
Bayfirst Financial A5.0 ★Texas Ratio: 10.20%	Conventional, HELOC	7 +6 HELOCs	0.4%	77.8%	$73,571	View
Acrisure Mortgage, LLC	Conventional, FHA, VA	6	0.3%	85.7%	$325,000
American Bancshares Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$195,000
New Day Financial, LLC.	VA	2	0.1%	14.3%	$275,000
Mortgage Lenders Investment Tr	Conventional, VA	2	0.1%	100%	$300,000
PHH Mortgage Corporation	FHA	1	0.1%	100%	$365,000
Nqm Funding, LLC	Conventional	1	0.1%	100%	$185,000
LoanFlight Lending, LLC.	Conventional	1	0.1%	100%	$235,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	232 +7 HELOCs	13%	83%	$380,560
Rocket Mortgage	Conventional, FHA, VA, Jumbo	155	8.7%	73.8%	$243,838
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	51	2.9%	98.1%	$345,784
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA, Jumbo	42	2.4%	64.6%	$328,333	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	36 +13 HELOCs	2%	71.2%	$276,388
Pennymac Loan Services LLC	Conventional, FHA, VA	35	2%	78.7%	$327,857
Everett Financial, Inc.	Conventional, FHA, Jumbo	26	1.5%	100%	$308,076
Fairway Independent Mort Corp	Conventional, FHA, VA	26	1.5%	96.3%	$288,461
The Loan Store, Inc	Conventional, FHA, VA, Jumbo, HELOC	23 +9 HELOCs	1.3%	95.8%	$395,434
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo	23	1.3%	100%	$355,434
Mortgage Research Center	Conventional, VA	22	1.2%	59%	$305,000
Nationstar Mortgage	Conventional, FHA	21	1.2%	87.5%	$167,380
Kind Lending, LLC	Conventional, FHA, VA	19	1.1%	65.5%	$399,210
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, USDA, HELOC	18 +1 HELOCs	1%	95.2%	$237,222	View
DHI Mortgage Company, LTD.	Conventional, FHA, VA	18	1%	81.8%	$348,333
Paramount Residential Mortgage	Conventional, FHA	18	1%	90%	$333,888
Guaranteed Rate, Inc.	Conventional, FHA, VA	17	1%	89.5%	$390,882
Click n' Close, Inc.	Conventional, FHA	17	1%	100%	$237,941
JMAC Lending, Inc.	Conventional, FHA, VA	16	0.9%	100%	$325,000
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA, HELOC	15 +1 HELOCs	0.8%	88.2%	$297,000	View
VanDyk Mortgage Corporation	Conventional, FHA	15	0.8%	100%	$371,000
Union Home Mortgage Corp.	Conventional, FHA	15	0.8%	93.8%	$365,000
Zillow Home Loans, LLC	Conventional, FHA, VA	14	0.8%	82.4%	$300,714
Top Flite Financial, Inc.	Conventional, FHA	14	0.8%	93.8%	$313,571
New American Funding, LLC.	Conventional, FHA, VA, HELOC	13 +2 HELOCs	0.7%	76.5%	$354,230
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	13 +1 HELOCs	0.7%	56.5%	$273,461
American Financial Network, Inc.	Conventional, FHA, VA	13	0.7%	86.7%	$347,307
Go Mortgage, LLC	Conventional	11	0.6%	100%	$240,454
Mutual of Omaha Mortgage	Conventional, FHA	11	0.6%	78.6%	$225,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	10	0.6%	56.5%	$211,000	View
Guaranteed Rate Affinity, LLC	Conventional, VA, HELOC	9 +1 HELOCs	0.5%	64.3%	$273,888
American Financial Resources LLC	Conventional, FHA, VA	9	0.5%	100%	$321,666
Amerisave Mortgage Company	Conventional, FHA, VA	9	0.5%	21.4%	$202,777
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	9	0.5%	75%	$302,777	View
Resicentral LLC	Conventional, VA	8	0.4%	100%	$332,500
Legend Lending Corporation	Conventional, FHA	8	0.4%	100%	$303,750
Nfm, Inc	Conventional, FHA, Jumbo	8	0.4%	100%	$400,000
Cardinal Financial Company, Li	Conventional, FHA	7	0.4%	81.8%	$320,714
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	7	0.4%	77.8%	$177,857	View
Gershman Investment Corp.	Conventional	7	0.4%	100%	$322,142
Spring Eq, LLC	Conventional, HELOC	6 +4 HELOCs	0.3%	22.2%	$91,666
Deephaven Mortgage LLC	Conventional	6	0.3%	54.5%	$198,333
American Pacific Mortgage Corporation	Conventional, FHA, Jumbo	6	0.3%	100%	$560,000
21St Mortgage	Conventional	6	0.3%	50%	$60,000
Tidewater Mortgage Services, Inc	Conventional, FHA	5	0.3%	100%	$279,000
T2 Financial LLC	Conventional, FHA	5	0.3%	83.3%	$301,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	5	0.3%	83.3%	$341,000	View
Towne Mortgage Company	Conventional, FHA, VA	5	0.3%	100%	$305,000
Leaderone Financial Corp.	Conventional, FHA	5	0.3%	83.3%	$321,000
Better Mortgage Corporation	Conventional, HELOC	4 +3 HELOCs	0.2%	80%	$317,500
Equity Prime Mortgage LLC	FHA, VA	4	0.2%	80%	$297,500
Guild Mortgage Company	Conventional, FHA	4	0.2%	100%	$320,000
AdvantageFirst Lending Inc	Conventional, FHA	4	0.2%	66.7%	$247,500
Preferred Lending Services, LLC	Conventional	4	0.2%	100%	$350,000
Sun West Mortgage Company, Inc	Conventional, FHA	4	0.2%	83.3%	$252,500
Total Mortgage Services, LLC	Conventional, FHA	4	0.2%	100%	$237,500
Homeowners Financial Group, LLC	Conventional, FHA	4	0.2%	80%	$300,000
My Mortgage, Inc	Conventional, FHA	4	0.2%	100%	$277,500
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.2%	66.7%	$387,500	View
Nations Direct Mortgage, LLC	Conventional, FHA	4	0.2%	80%	$292,500
Champions Funding, LLC	Conventional	4	0.2%	66.7%	$205,000
Bank Ozk	Conventional, HELOC	3 +7 HELOCs	0.2%	60%	$195,000
Pentagon Federal Credit Union	Conventional, VA, HELOC	3 +5 HELOCs	0.2%	75%	$445,000
Synovus Bank	Conventional, HELOC	3 +2 HELOCs	0.2%	75%	$128,333
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	100%	$1,178,333	View
First Community Mortgage, Inc.	Conventional, VA	3	0.2%	75%	$385,000
Royal United Mortgage LLC	Conventional	3	0.2%	100%	$95,000
Filo Mortgage, LLC	Conventional	3	0.2%	100%	$378,333
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, Jumbo	3	0.2%	71.4%	$431,666	View
American Financing Corporation	Conventional, VA	3	0.2%	44.4%	$318,333
Securitynational Mortgage Company	Conventional, FHA	3	0.2%	100%	$215,000
Ameritrust Mortgage Corporation	Conventional, FHA, Jumbo	3	0.2%	75%	$961,666
Point Mortgage Corp	Conventional, FHA	3	0.2%	75%	$338,333
Keystone Funding, Inc	Conventional	3	0.2%	100%	$291,666
Plaza Home Mortgage, Inc	Conventional, FHA	3	0.2%	60%	$228,333
Ark-La-Tex Financial Services LLC	Conventional, FHA	3	0.2%	100%	$401,666
Vista Point Mortgage, LLC	Conventional, Jumbo	3	0.2%	75%	$861,666
Village Capital & Investment	FHA, VA	3	0.2%	36.4%	$498,333
HomeBridge Financial Services, Inc	Conventional, VA, HELOC	2 +11 HELOCs	0.1%	50%	$490,000
Goodleap, LLC	Conventional, FHA, HELOC	2 +6 HELOCs	0.1%	28.6%	$265,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$545,000	View
Valon Mortgage	Conventional, HELOC	2 +2 HELOCs	0.1%	50%	$175,000
Sierra Pacific Mortgage Co. Inc	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$250,000
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$240,000
Primelending	Conventional, VA	2	0.1%	100%	$315,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, VA	2	0.1%	100%	$510,000	View
Gold Star Mortgage Financial Group, Corporation	Conventional, VA	2	0.1%	66.7%	$345,000
Nbkc Bank	Conventional	2	0.1%	100%	$605,000
AmeriHome Mortgage Company, LLC	FHA	2	0.1%	100%	$290,000
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0.1%	66.7%	$100,000
City Lending Inc. A+5.0 ★Texas Ratio: 1.71%	Conventional, FHA	2	0.1%	100%	$180,000	View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	2	0.1%	100%	$255,000	View
Success Mortgage Partners, Inc	Conventional, FHA	2	0.1%	100%	$455,000
Discover Bank	Conventional	2	0.1%	10%	$55,000
American Federal Mortgage Corporation	Conventional	2	0.1%	100%	$275,000
Bay Equity LLC	Conventional	2	0.1%	100%	$460,000
First Colony Mortgage Corporat	Conventional	2	0.1%	75%	$185,000
American Internet Mortgage, Inc.	Conventional	2	0.1%	66.7%	$270,000
Embrace Home Loans, Inc.	Conventional	2	0.1%	100%	$220,000
Provident Funding Associates	Conventional	2	0.1%	100%	$270,000
Waterstone Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$385,000
Hometown Equity Mortgage, LLC	Conventional, Jumbo	2	0.1%	33.3%	$790,000
Milend, Inc	Conventional, VA	2	0.1%	100%	$315,000
New Fed Mortgage Corp.	Conventional	2	0.1%	100%	$250,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional, FHA	2	0.1%	100%	$180,000	View
DFCU Financial	Conventional, Jumbo	2	0.1%	100%	$965,000
Pike Creek Mortgage Services, Inc.	Conventional	2	0.1%	100%	$590,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.1%	100%	$420,000	View
V.I.P. Mortgage, Inc.	FHA, VA	2	0.1%	100%	$390,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.1%	50%	$180,000
Citadel Servicing Corporation	Conventional, Jumbo	2	0.1%	100%	$700,000
ClearEdge Lending LLC	Conventional	2	0.1%	66.7%	$440,000
Nmsi, Inc.	Conventional, Jumbo	2	0.1%	100%	$640,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	2	0.1%	100%	$380,000	View
Nexera Holding LLC	Conventional	2	0.1%	100%	$480,000
Reliance First Capital, LLC	Conventional, FHA	2	0.1%	66.7%	$350,000
Tomo Mortgage LLC	Conventional	2	0.1%	50%	$385,000
American Neighborhood Mortgage Acceptance Company	Conventional, VA	2	0.1%	100%	$320,000
Quorum Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$85,000
Cadence Bank	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$315,000
Mission Loans, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$285,000
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$65,000	View
Bank of Springfield A5.0 ★Texas Ratio: 13.68%	Conventional	1	0.1%	50%	$705,000	View
Southwest Airlines FCU	Conventional	1	0.1%	100%	$305,000
Equity Resources Inc	Conventional	1	0.1%	100%	$135,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	100%	$525,000	View
Cornerstone First Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$2,625,000
American Airlines Federal Cred	Conventional	1	0.1%	100%	$245,000
Cliffco, Inc.	Conventional	1	0.1%	100%	$355,000
Maine Savings Federal Credit Union	Conventional, Jumbo	1	0.1%	100%	$915,000
Fundloans Capital	Conventional	1	0.1%	50%	$365,000
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$245,000
Fulton Bank, National Association A+5.0 ★Texas Ratio: 4.85%	Conventional, Jumbo	1	0.1%	100%	$1,385,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$405,000	View
Affordable Mortgage Advisors	Conventional	1	0.1%	100%	$355,000
Canopy Mortgage, LLC	Conventional	1	0.1%	100%	$375,000
Sage Home Loans Corporation	Conventional	1	0.1%	50%	$275,000
MortgageOne, Inc	FHA	1	0.1%	100%	$285,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$275,000
NuMark Credit Union	Conventional	1	0.1%	100%	$255,000
Dart Bank	Conventional	1	0.1%	100%	$365,000
Loanunited.Com, LLC	VA	1	0.1%	100%	$405,000
Advancial Federal Credit Union	Conventional	1	0.1%	100%	$125,000
United Trust Bank	VA	1	0.1%	100%	$125,000
Princeton Mortgage Corporation	FHA	1	0.1%	100%	$455,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	100%	$375,000
Synergy One Lending, Inc.	Conventional	1	0.1%	50%	$425,000
Assurance Financial Group, L.L.C.	FHA	1	0.1%	100%	$445,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$255,000	View
Homestead Funding Corp.	Conventional	1	0.1%	100%	$95,000
AmWest Funding Corp	VA	1	0.1%	100%	$425,000
Mortgage 1 Incorporated	Conventional	1	0.1%	100%	$155,000
Police and Fire Federal Credit Union	Conventional	1	0.1%	100%	$205,000
Direct Mortgage Corp	Conventional	1	0.1%	100%	$205,000
Community Choice Credit Union	Conventional	1	0.1%	100%	$165,000
Das Acquisition Company, LLC	Conventional	1	0.1%	100%	$165,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$295,000
Nation One Mortgage Corporatio	Conventional	1	0.1%	100%	$465,000
First Savings Mortgage Corporation	Conventional	1	0.1%	100%	$685,000
Ez Fundings Inc	Conventional	1	0.1%	100%	$405,000
Select Lending Services, LLC	Conventional, Jumbo	1	0.1%	100%	$1,155,000
East Coast Capital Corp.	Conventional	1	0.1%	100%	$135,000
First Heritage Mortgage, LLC	Conventional	1	0.1%	50%	$235,000
Calcon Mutual Mortgage LLC	Conventional	1	0.1%	100%	$465,000
Stg Mortgage Inc	Conventional	1	0.1%	66.7%	$725,000
First Option Mortgage, LLC	FHA	1	0.1%	100%	$445,000
Loanleaders of America, Inc	VA	1	0.1%	100%	$235,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$575,000	View
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$385,000
Loanpeople, LLC	Conventional	1	0.1%	100%	$385,000
Mortgage Center LC	Conventional	1	0.1%	100%	$525,000
BoxCar Mortgage, LLC	FHA	1	0.1%	50%	$275,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$545,000
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	VA	1	0.1%	100%	$555,000	View
Union Savings Bank	Conventional, Jumbo	1	0.1%	50%	$1,555,000
First Kentucky Bank A+5.0 ★Texas Ratio: 2.02%	Conventional	1	0.1%	100%	$675,000	View
Morton Community Bank A+5.0 ★Texas Ratio: 5.85%	Conventional, Jumbo	1	0.1%	100%	$925,000	View
Member First Mortgage, LLC	FHA	1	0.1%	100%	$355,000
Stockton Mortgage Corporation	Conventional	1	0.1%	100%	$365,000
Self Help Credit Union	Conventional	1	0.1%	100%	$265,000
Tjc Mortgage Inc	Conventional	1	0.1%	100%	$515,000
Digital Federal Credit Union	Conventional	1	0.1%	100%	$45,000
Iserve Residential Lending	Conventional	1	0.1%	100%	$105,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$95,000
Geo-Corp, Inc.	FHA	1	0.1%	100%	$315,000
Union Bank and Trust Company	Conventional, Jumbo	1	0.1%	100%	$1,005,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	50%	$265,000	View
First Financial Bank A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$195,000	View
Fidelity Deposit & Discount Bank A+5.0 ★Texas Ratio: 0.53%	Conventional	1	0.1%	100%	$95,000	View
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$115,000
FM Home Loans LLC	Conventional	1	0.1%	100%	$145,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$475,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$645,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	1	0.1%	100%	$1,255,000	View
Deerwood Bank A+5.0 ★Texas Ratio: 4.01%	Conventional	1	0.1%	100%	$805,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	14.3%	$65,000
Texana Bank	VA	1	0.1%	100%	$355,000
Coastal Community Bank	HELOC	0 +20 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +15 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Mid Penn Bank A+5.0 ★Texas Ratio: 4.25%	HELOC	0 +1 HELOCs	0%	n/a		View
The Farmers & Merchants State Bank	HELOC	0 +1 HELOCs	0%	n/a
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Northwest Bank A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 HELOCs	0%	n/a		View
Empeople Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lake Michigan Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Wings Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Canandaigua National Bank & Trust	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Clearwater Mortgage Rate Trends

Daily average mortgage rates for Florida compared with the national average, updated every evening.

30-Year Fixed FL Avg

7.306%

▲ 0.071 vs 7 days ago

15-Year Fixed FL Avg

6.730%

▲ 0.011 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Clearwater, Florida

Looking for mortgage lenders near me or mortgage brokers near me in Clearwater? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Clearwater in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Clearwater, FL

Use these to narrow the list above. Each category shows how many Clearwater, FL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 159 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 78 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 34 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 83 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 53 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 46 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 36 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Clearwater, FL

Independent mortgage companies closed 74.9 percent of home loans in Clearwater, Florida in 2025, banks 15.8 percent and credit unions 9.3 percent. Triad Financial Services, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Midflorida Credit Union the largest credit union. Among lenders headquartered in Florida, The Bank of Tampa led with 5 loans.

74.9%

Mortgage companies

15.8%

Banks

9.3%

Credit unions

15%

FHA loans

VA 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

All Florida lenders 1,647 lenders Jacksonville 444 lenders Port St. Lucie 359 lenders Cape Coral 422 lenders Tampa 363 lenders Lehigh Acres 298 lenders Orlando 345 lenders St. Cloud 266 lenders St. Petersburg 346 lenders Palm Bay 258 lenders Spring Hill 261 lenders Tallahassee 233 lenders Lakewood Ranch 319 lenders

Frequently Asked Questions About Mortgage Lenders in Clearwater, FL

Who is the largest mortgage lender in Clearwater, FL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Clearwater, Florida with 27 loans, about 1.5 percent of the market. The largest lender headquartered in Florida was The Bank of Tampa with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Clearwater, FL have the highest approval rates?

Among lenders with meaningful volume in Clearwater, Florida, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 98.1 percent, against a 76.2 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Clearwater, FL mortgage lenders offer FHA, VA and USDA loans?

83 lenders closed FHA loans in Clearwater, Florida in 2025, led by United Wholesale Mortgage with 61. 53 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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.

Are credit unions and local banks included in this Clearwater, FL lender list?

Yes. 78 banks and 34 credit unions closed home loans in Clearwater, Florida in 2025, alongside 159 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.

How are mortgage lenders in Clearwater, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Clearwater, 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 Clearwater, 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 Clearwater. 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.