Mortgage Lenders and Brokers in Cocoa Beach, Florida
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Cocoa Beach, Florida mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA1775 N Atlantic Ave, Cocoa Beach, FL 32931A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank150 Cocoa Isles Blvd, Cocoa Beach, FL 32931A+5.0 ★Texas Ratio: 2.87%, Space Coast Credit UnionSpace Coast Credit Union1205 N Atlantic Ave, Cocoa Beach, FL 32931 3116A+5.0 ★Texas Ratio: 5.37%, 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 NA4300 N Atlantic Ave, Cocoa Beach, FL 32931A+5.0 ★Texas Ratio: 4.14%, Launch Credit UnionLaunch Credit Union14640 Hanger Rd, Cape Canaveral, FL 32920A5.0 ★Texas Ratio: 7.61%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Natbank N.A.Natbank N.A.970 N Congress Ave, Boynton Beach, FL 33426A+5.0 ★Texas Ratio: 0.01%, Community Credit Union of FloridaCommunity Credit Union of Florida660 West Ave, Cocoa, FL 32927 4971A+5.0 ★Texas Ratio: 1.43%, 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 Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cocoa Beach 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 Beach, Florida
Market share is the lender's share of all home loans closed in Cocoa Beach, 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 |
|---|---|---|---|---|---|---|
|
1 office in Cocoa Beach 1775 N Atlantic Ave, Cocoa Beach, FL 32931 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 6 | 3.2% | 66.7% | $813,333 | View |
|
★ 1 stars, 1 review 1 office in Cocoa Beach 150 Cocoa Isles Blvd, Cocoa Beach, FL 32931 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 5 +4 HELOCs |
2.7% | 100% | $155,000 | View |
|
1205 N Atlantic Ave, Cocoa Beach, FL 32931 3116 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 9 +23 HELOCs |
4.8% | 71.4% | $215,000 | View |
|
9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 8 | 4.3% | 90.9% | $1,025,000 | View |
|
4300 N Atlantic Ave, Cocoa Beach, FL 32931 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 4 +5 HELOCs |
2.1% | 80% | $642,500 | View |
|
14640 Hanger Rd, Cape Canaveral, FL 32920 A5.0 ★Texas Ratio: 7.61% |
Conventional | 4 | 2.1% | 40% | $127,500 | View |
|
500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.6% | 100% | $318,333 | View |
|
970 N Congress Ave, Boynton Beach, FL 33426 A+5.0 ★Texas Ratio: 0.01% |
Conventional | 2 | 1.1% | 100% | $440,000 | View |
|
660 West Ave, Cocoa, FL 32927 4971 A+5.0 ★Texas Ratio: 1.43% |
Conventional, Jumbo, HELOC | 1 +4 HELOCs |
0.5% | 100% | $865,000 | View |
|
70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +4 HELOCs |
0.5% | 100% | $105,000 | View |
|
254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $385,000 | View |
|
★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $355,000 | View |
|
8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.5% | 100% | $1,035,000 | View |
|
360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $385,000 | View |
|
★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $675,000 | View |
|
514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $85,000 | View |
|
350 E Las Olas Blvd Ste 1400, Fort Lauderdale, FL 33301 A+5.0 ★Texas Ratio: 0.37% |
Conventional | 1 | 0.5% | 100% | $405,000 | View |
|
5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65% |
Conventional | 1 | 0.5% | 100% | $95,000 | View |
|
891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.5% | 100% | $615,000 | View |
|
★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Mortgage Firm
|
Conventional, VA, Jumbo | 13 | 7% | 100% | $361,923 | |
DYBN Financial Corporation dba Morgan Financial
|
Conventional, VA, Jumbo | 2 | 1.1% | 100% | $685,000 | |
|
C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.5% | 100% | $405,000 | View |
Lakeview Loan Servicing, LLC
|
FHA | 1 | 0.5% | 50% | $475,000 | |
Alkan Mortgage Corporation
|
FHA | 1 | 0.5% | 100% | $455,000 | |
Nqm Funding, LLC
|
Conventional | 1 | 0.5% | 100% | $505,000 | |
Mortgage Lenders Investment Tr
|
Conventional | 1 | 0.5% | 100% | $315,000 | |
|
A+5.0 ★Texas Ratio: 4.56% |
Conventional | 1 | 0.5% | 100% | $505,000 | View |
Rocket Mortgage
|
Conventional, VA | 18 | 9.6% | 85.7% | $305,555 | |
United Wholesale Mortgage
|
Conventional, VA, Jumbo, HELOC | 14 +1 HELOCs |
7.5% | 75% | $465,714 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA, HELOC | 9 +1 HELOCs |
4.8% | 100% | $421,666 | |
loanDepot.com LLC
|
Conventional, FHA, VA | 4 | 2.1% | 80% | $367,500 | |
Pennymac Loan Services LLC
|
Conventional | 4 | 2.1% | 66.7% | $190,000 | |
Embrace Home Loans, Inc.
|
Conventional | 4 | 2.1% | 100% | $370,000 | |
American Pacific Mortgage Corporation
|
Conventional, VA, Jumbo | 4 | 2.1% | 100% | $470,000 | |
|
A5.0 ★Texas Ratio: 8.10% |
Conventional | 3 | 1.6% | 60% | $381,666 | View |
Direct Mortgage Loans, LLC
|
Conventional, VA | 3 | 1.6% | 100% | $281,666 | |
New American Funding, LLC.
|
Conventional | 3 | 1.6% | 100% | $385,000 | |
The Loan Store, Inc
|
Conventional, HELOC | 2 +2 HELOCs |
1.1% | 100% | $495,000 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
1.1% | 100% | $815,000 | View |
HomeXpress Mortgage Corp.
|
Conventional | 2 | 1.1% | 100% | $215,000 | |
Click n' Close, Inc.
|
Conventional, Jumbo | 2 | 1.1% | 100% | $1,455,000 | |
Union Home Mortgage Corp.
|
Conventional, VA | 2 | 1.1% | 100% | $400,000 | |
First Heritage Mortgage, LLC
|
Conventional, VA | 2 | 1.1% | 100% | $390,000 | |
Champions Funding, LLC
|
Conventional | 2 | 1.1% | 100% | $460,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 1 +3 HELOCs |
0.5% | 33.3% | $375,000 | |
Usalliance Federal Credit Union
|
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.5% | 100% | $505,000 | |
Angel Oak Mortgage Solutions LLC
|
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.5% | 100% | $995,000 | |
Cadence Bank
|
Conventional | 1 | 0.5% | 100% | $505,000 | |
Guaranteed Rate, Inc.
|
Conventional | 1 | 0.5% | 100% | $115,000 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.5% | 100% | $465,000 | View |
Gold Star Mortgage Financial Group, Corporation
|
VA | 1 | 0.5% | 100% | $275,000 | |
Resicentral LLC
|
Conventional | 1 | 0.5% | 100% | $175,000 | |
Reliant Home Funding, Inc
|
Conventional | 1 | 0.5% | 100% | $355,000 | |
Fidelity Direct Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $205,000 | |
|
A5.0 ★Texas Ratio: 6.69% |
Conventional, Jumbo | 1 | 0.5% | 100% | $845,000 | View |
|
A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.5% | 100% | $95,000 | View |
NJ Lenders Corp
|
Conventional | 1 | 0.5% | 100% | $605,000 | |
Flat Branch Mortgage, Inc.
|
VA | 1 | 0.5% | 100% | $425,000 | |
Nfm, Inc
|
Conventional | 1 | 0.5% | 100% | $415,000 | |
|
A5.0 ★Texas Ratio: 6.10% |
Conventional | 1 | 0.5% | 100% | $165,000 | View |
|
A+5.0 ★Texas Ratio: 3.91% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
Mortgage Equity Partners LLC
|
Conventional | 1 | 0.5% | 100% | $235,000 | |
Vellum Mortgage, Inc.
|
VA | 1 | 0.5% | 100% | $325,000 | |
Nationstar Mortgage
|
FHA | 1 | 0.5% | 100% | $335,000 | |
Mortgage Research Center
|
VA | 1 | 0.5% | 33.3% | $615,000 | |
Bay Capital Mortgage Corporation
|
Conventional | 1 | 0.5% | 100% | $475,000 | |
ClearEdge Lending LLC
|
Conventional | 1 | 0.5% | 100% | $445,000 | |
|
A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.5% | 50% | $455,000 | View |
Meadowbrook Financial Mortgage Bankers Corp.
|
Conventional | 1 | 0.5% | 100% | $575,000 | |
|
A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.5% | 50% | $305,000 | View |
|
A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
|
A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.5% | 100% | $455,000 | View |
Portage Community Bank
|
Conventional | 1 | 0.5% | 100% | $335,000 | |
Plaza Home Mortgage, Inc
|
VA | 1 | 0.5% | 100% | $805,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional | 1 | 0.5% | 100% | $575,000 | |
Royal Credit Union
|
VA | 1 | 0.5% | 100% | $655,000 | |
Southwest Funding LP
|
Conventional | 1 | 0.5% | 100% | $425,000 | |
|
A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
American Airlines Federal Cred
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Coastal Community Bank
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
|
HELOC | 0 +1 HELOCs |
0% | 0% |
Cocoa Beach 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 Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Cocoa Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cocoa Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cocoa Beach, FL
Use these to narrow the list above. Each category shows how many Cocoa Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Cocoa Beach, FL
Independent mortgage companies closed 64.2 percent of home loans in Cocoa Beach, Florida in 2025, banks 25.1 percent and credit unions 10.7 percent. The Mortgage Firm was the largest mortgage company, Wells Fargo Bank NA the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, Space Coast Credit Union led with 9 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 Beach, FL
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Cocoa Beach, Florida with 6 loans, about 3.2 percent of the market. The largest lender headquartered in Florida was Space Coast Credit Union with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Cocoa Beach, Florida in 2025, led by Lakeview Loan Servicing, LLC with 1. 17 lenders closed VA loans, led by The Mortgage Firm. 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. 30 banks and 11 credit unions closed home loans in Cocoa Beach, Florida in 2025, alongside 46 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 Beach, 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 Beach, 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 Beach. 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.
