Mortgage Lenders and Brokers in Cocoa, 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
Cocoa, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA505 Brevard Ave, Cocoa, FL 32922A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA834 N Cocoa Blvd, Cocoa, FL 32922A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank106 Brevard Ave, Cocoa, FL 32922A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.2323 Highway 524, Cocoa, FL 32926A+5.0 ★Texas Ratio: 4.24%, Launch Credit UnionLaunch Credit Union7347 N Highway 1, Cocoa, FL 32927A5.0 ★Texas Ratio: 7.61%, Space Coast Credit UnionSpace Coast Credit Union6899 N Highway 1, Cocoa, FL 32927 5012A+5.0 ★Texas Ratio: 5.37%, Community Credit Union of FloridaCommunity Credit Union of Florida660 West Ave, Cocoa, FL 32927 4971A+5.0 ★Texas Ratio: 1.43%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, 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 Cocoa, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cocoa 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 Cocoa, Florida
Market share is the lender's share of all home loans closed in Cocoa, 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 Cocoa 505 Brevard Ave, Cocoa, FL 32922 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 5 | 1.4% | 100% | $309,000 | View |
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1 office in Cocoa 834 N Cocoa Blvd, Cocoa, FL 32922 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.8% | 60% | $148,333 | View |
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★ 1 stars, 1 review 1 office in Cocoa 106 Brevard Ave, Cocoa, FL 32922 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +5 HELOCs |
0.6% | 100% | $260,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Cocoa 2323 Highway 524, Cocoa, FL 32926 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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7347 N Highway 1, Cocoa, FL 32927 A5.0 ★Texas Ratio: 7.61% |
Conventional | 16 | 4.5% | 50% | $148,750 | View |
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6899 N Highway 1, Cocoa, FL 32927 5012 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 14 +20 HELOCs |
3.9% | 68.2% | $138,571 | View |
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660 West Ave, Cocoa, FL 32927 4971 A+5.0 ★Texas Ratio: 1.43% |
Conventional, HELOC | 7 +21 HELOCs |
2% | 77.8% | $200,714 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 4 | 1.1% | 80% | $255,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +2 HELOCs |
0.8% | 75% | $268,333 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $290,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
FHA, VA | 2 | 0.6% | 100% | $225,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 2 | 0.6% | 28.6% | $235,000 | View |
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891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $295,000 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 1 | 0.3% | 60% | $55,000 | View |
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710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.3% | 100% | $345,000 | View |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.3% | 100% | $635,000 | 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 | 0.3% | 100% | $445,000 | 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% | 0% | View | |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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540 Biltmore Way, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 15 | 4.2% | 94.1% | $281,000 | |
The Mortgage Firm
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Conventional, FHA | 14 | 3.9% | 94.4% | $317,142 | |
Acrisure Mortgage, LLC
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Conventional, FHA, VA | 13 | 3.6% | 92.9% | $342,692 | |
DYBN Financial Corporation dba Morgan Financial
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Conventional, VA, Jumbo | 6 | 1.7% | 100% | $518,333 | |
Alkan Mortgage Corporation
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Conventional, FHA | 4 | 1.1% | 100% | $275,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 2 | 0.6% | 40% | $285,000 | |
Mortgage Lenders Investment Tr
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Conventional | 2 | 0.6% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.3% | 100% | $105,000 | View |
Jet HomeLoans, LP
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Reliable Holdings Manager dba Lendz Financial
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Conventional | 1 | 0.3% | 100% | $195,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 46 +2 HELOCs |
12.9% | 88.9% | $336,304 | |
Rocket Mortgage
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Conventional, FHA, VA | 29 | 8.1% | 77.5% | $190,862 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 20 | 5.6% | 95.2% | $369,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 10 | 2.8% | 85.7% | $225,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, Jumbo | 8 | 2.2% | 100% | $517,500 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 7 +1 HELOCs |
2% | 63.6% | $197,857 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA | 7 | 2% | 100% | $289,285 | View |
Mortgage Research Center
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VA | 7 | 2% | 77.8% | $336,428 | |
Embrace Home Loans, Inc.
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Conventional, FHA | 6 | 1.7% | 77.8% | $211,666 | |
Zillow Home Loans, LLC
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Conventional, FHA | 6 | 1.7% | 100% | $300,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 5 | 1.4% | 100% | $345,000 | View |
New American Funding, LLC.
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FHA, VA | 4 | 1.1% | 100% | $277,500 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 1.1% | 100% | $272,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
0.8% | 80% | $258,333 | |
Movement Mortgage, LLC
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Conventional, VA | 3 | 0.8% | 100% | $468,333 | |
Paramount Residential Mortgage
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Conventional, FHA | 3 | 0.8% | 100% | $191,666 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 2 | 0.6% | 100% | $150,000 | |
Everett Financial, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $260,000 | |
Sun West Mortgage Company, Inc
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FHA, VA | 2 | 0.6% | 100% | $345,000 | |
Planet Home Lending, LLC
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FHA | 2 | 0.6% | 100% | $255,000 | |
T2 Financial LLC
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Conventional, Jumbo | 2 | 0.6% | 100% | $880,000 | |
Direct Mortgage Loans, LLC
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FHA, VA | 2 | 0.6% | 100% | $425,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 2 | 0.6% | 66.7% | $250,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.6% | 66.7% | $70,000 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional, FHA | 2 | 0.6% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 2 | 0.6% | 100% | $325,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +3 HELOCs |
0.3% | 12.5% | $65,000 | |
The Loan Store, Inc
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FHA, HELOC | 1 +2 HELOCs |
0.3% | 100% | $275,000 | |
Cadence Bank
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.3% | 33.3% | $595,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Primelending
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Conventional | 1 | 0.3% | 100% | $425,000 | |
Atlantic Coast Mortgage, LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,075,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.3% | 100% | $365,000 | View |
Dart Bank
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FHA | 1 | 0.3% | 100% | $235,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.3% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
AmWest Funding Corp
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Conventional | 1 | 0.3% | 100% | $105,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.3% | 50% | $375,000 | |
City 1st Mortgage Services, LC
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Ahl Funding
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FHA | 1 | 0.3% | 100% | $425,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 33.3% | $65,000 | |
Capital Partners Mortgage Services, LLC
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FHA | 1 | 0.3% | 100% | $305,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.3% | 100% | $145,000 | |
American Financing Corporation
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FHA | 1 | 0.3% | 33.3% | $215,000 | |
Securitynational Mortgage Company
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FHA | 1 | 0.3% | 100% | $185,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.3% | 100% | $145,000 | |
First Heritage Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $275,000 | |
Congressional Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $125,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.3% | 100% | $115,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 50% | $325,000 | View |
Atlantic Bay Mortgage Group
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Conventional | 1 | 0.3% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $235,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $165,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.3% | 100% | $105,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.3% | 33.3% | $385,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, Jumbo | 1 | 0.3% | 100% | $835,000 | View |
Northrop Grumman Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $575,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
Nmsi, Inc.
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Conventional | 1 | 0.3% | 100% | $755,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.3% | 100% | $465,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $325,000 | View |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 20% | $45,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.3% | 100% | $95,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.3% | 100% | $475,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 100% | $325,000 | |
Coastal Community Bank
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Cocoa 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 Cocoa, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Cocoa? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cocoa in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cocoa, FL
Use these to narrow the list above. Each category shows how many Cocoa, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Cocoa, FL
Independent mortgage companies closed 74.8 percent of home loans in Cocoa, Florida in 2025, banks 12.6 percent and credit unions 12.6 percent. Triad Financial Services, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Launch Credit Union the largest credit union. Among lenders headquartered in Florida, Launch Credit Union led with 16 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 Cocoa, FL
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Cocoa, Florida with 5 loans, about 1.4 percent of the market. The largest lender headquartered in Florida was Launch Credit Union with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
36 lenders closed FHA loans in Cocoa, Florida in 2025, led by United Wholesale Mortgage with 16. 24 lenders closed VA loans, led by United Wholesale Mortgage. 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. 29 banks and 11 credit unions closed home loans in Cocoa, Florida in 2025, alongside 64 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 Cocoa, 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 Cocoa, 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 Cocoa. 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.
