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Mortgage Lenders and Brokers in Cutler Bay, Florida

Content reviewed by

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

Cutler Bay, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA18415 S Dixie Hwy, Cutler Bay, FL 33157A+5.0 ★Texas Ratio: 3.68%, TD BankTD Bank19199 S Dixie Hwy, Cutler Bay, FL 33157A+5.0 ★Texas Ratio: 3.71%, Regions BankRegions Bank20901 Sw 112th Ave, Cutler Bay, FL 33189A+5.0 ★Texas Ratio: 4.37%, Space Coast Credit UnionSpace Coast Credit Union19455 S Dixie Hwy, Cutler Bay, FL 33157A+5.0 ★Texas Ratio: 5.37%, Educational Federal Credit UnionEducational Federal Credit Union16460 SW 304th St, Homestead, FL 33033 3260A+5.0 ★Texas Ratio: 2.35%, Flagstar Bank NAFlagstar Bank NA20423 State Road 7, Boca Raton, FL 33498D3.3 ★Texas Ratio: 35.11%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, Guardians Credit UnionGuardians Credit Union1301 N Congress Ave, Boynton Beach, FL 33426A+5.0 ★Texas Ratio: 1.80%, and Miami Firefighters Federal Credit UnionMiami Firefighters Federal Credit Union1111 NW 7th St, Miami, FL 33136A+5.0 ★Texas Ratio: 2.26%. 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 Cutler Bay, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cutler Bay 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 Cutler Bay, Florida

Market share is the lender's share of all home loans closed in Cutler Bay, 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 1 office in Cutler Bay 18415 S Dixie Hwy, Cutler Bay, FL 33157 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	17 +1 HELOCs	2.5%	85.7%	$391,470	View
TD Bank 1 office in Cutler Bay 19199 S Dixie Hwy, Cutler Bay, FL 33157 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	7 +9 HELOCs	1%	53.8%	$187,857	View
Regions Bank 1 office in Cutler Bay 20901 Sw 112th Ave, Cutler Bay, FL 33189 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	5 +4 HELOCs	0.7%	70%	$517,000	View
Space Coast Credit Union 19455 S Dixie Hwy, Cutler Bay, FL 33157 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	16 +32 HELOCs	2.4%	64%	$189,375	View
Educational Federal Credit Union 16460 SW 304th St, Homestead, FL 33033 3260 A+5.0 ★Texas Ratio: 2.35%	Conventional	12	1.8%	70.6%	$155,833	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional	4	0.6%	80%	$437,500	View
Wells Fargo Bank NA 1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	4	0.6%	66.7%	$232,500	View
Bank of America NA 460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	3 +8 HELOCs	0.4%	60%	$375,000	View
Guardians Credit Union 1301 N Congress Ave, Boynton Beach, FL 33426 A+5.0 ★Texas Ratio: 1.80%	Conventional	3	0.4%	100%	$15,000	View
Miami Firefighters Federal Credit Union 1111 NW 7th St, Miami, FL 33136 A+5.0 ★Texas Ratio: 2.26%	Conventional	2	0.3%	50%	$100,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$775,000	View
Tropical Financial Credit Union 8947 W Atlantic Blvd, Coral Springs, FL 33071 A5.0 ★Texas Ratio: 6.93%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$35,000	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$515,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	FHA, HELOC	1 +1 HELOCs	0.1%	33.3%	$355,000	View
Terrabank N.A. 1533 Sunset Dr, Coral Gables, FL 33143 A+5.0 ★Texas Ratio: 0.83%	Conventional	1	0.1%	100%	$305,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional	1	0.1%	100%	$325,000	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	1	0.1%	100%	$495,000	View
Bradesco Bank 3011 Ponce De Leon Boulevard Ph1, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 1.32%	Conventional, Jumbo	1	0.1%	100%	$825,000	View
Popular Bank 2875 Ne 191st St, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.12%	Conventional	1	0.1%	100%	$395,000	View
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$515,000	View
Dade County Federal Credit Union 20295 S Dixie Hwy, Cutler Bay, FL 33189 1207 A+5.0 ★Texas Ratio: 1.61%	HELOC	0 +9 HELOCs	0%	n/a		View
Truist Bank ★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +7 HELOCs	0%	0%		View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +6 HELOCs	0%	n/a		View
Amerant Bank, N.A. 3001 Aventura Blvd, Aventura, FL 33180 B+4.7 ★Texas Ratio: 18.65%	HELOC	0 +6 HELOCs	0%	n/a		View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +3 HELOCs	0%	0%		View
Power Financial Credit Union 14854 S Military Trl, Delray Beach, FL 33484 8153 A-4.9 ★Texas Ratio: 16.71%	HELOC	0 +2 HELOCs	0%	n/a		View
First American Bank 540 Biltmore Way, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +2 HELOCs	0%	n/a		View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +1 HELOCs	0%	n/a		View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	HELOC	0 +1 HELOCs	0%	n/a		View
Hsbc Bank USA, NA 2950 Aventura Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 4.86%	HELOC	0 +1 HELOCs	0%	n/a		View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	HELOC	0 +1 HELOCs	0%	n/a		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%	0%		View
Freedom Mortgage Corporation	Conventional, FHA, VA	13	1.9%	84.2%	$467,307
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	10	1.5%	71.4%	$459,000	View
First Equity Mortgage Bankers Inc.	Conventional	6	0.9%	100%	$455,000
Ready Mortgage Lenders, LLC	Conventional, FHA	5	0.7%	100%	$471,000
Acrisure Mortgage, LLC	Conventional, FHA	2	0.3%	100%	$390,000
Nqm Funding, LLC	Conventional, Jumbo	2	0.3%	100%	$860,000
Banking Mortgage Svcs.,Bms Corp	Conventional, FHA	2	0.3%	100%	$495,000
Lakeview Loan Servicing, LLC	Conventional	1	0.1%	30%	$85,000
PHH Mortgage Corporation	Conventional	1	0.1%	50%	$265,000
American Bancshares Mortgage, LLC	FHA	1	0.1%	33.3%	$415,000
DG Pinnacle Funding, LLC	Conventional	1	0.1%	100%	$495,000
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.1%	100%	$155,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	128 +7 HELOCs	19%	83.5%	$498,750
Rocket Mortgage	Conventional, FHA, VA, Jumbo	90	13.4%	79.7%	$357,222
The Loan Store, Inc	Conventional, FHA, VA, Jumbo, HELOC	28 +9 HELOCs	4.2%	91.2%	$540,357
Pennymac Loan Services LLC	Conventional, FHA, VA	28	4.2%	81.1%	$443,214
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA	21	3.1%	56.8%	$372,142	View
Paramount Residential Mortgage	Conventional, FHA	14	2.1%	87.5%	$530,714
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	11 +1 HELOCs	1.6%	91.7%	$453,181	View
Point Mortgage Corp	Conventional, FHA	10	1.5%	100%	$398,000
Kind Lending, LLC	Conventional, FHA, VA	9	1.3%	100%	$480,555
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo	8	1.2%	100%	$507,500
1st Financial, Inc.	Conventional, FHA	8	1.2%	100%	$517,500
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	8	1.2%	66.7%	$405,000	View
Everett Financial, Inc.	Conventional, FHA	7	1%	87.5%	$495,000
Nationstar Mortgage	Conventional, FHA	6	0.9%	85.7%	$223,333
Nationwide Mortgage Bankers, Inc.	Conventional, FHA	6	0.9%	100%	$475,000
Guaranteed Rate Affinity, LLC	Conventional, VA	5	0.7%	100%	$465,000
Deephaven Mortgage LLC	Conventional	5	0.7%	83.3%	$341,000
Discover Bank	Conventional	5	0.7%	17.2%	$91,000
Spring Eq, LLC	Conventional, HELOC	4 +3 HELOCs	0.6%	21.1%	$72,500
loanDepot.com LLC	Conventional, FHA, VA, HELOC	4 +2 HELOCs	0.6%	57.1%	$395,000
Cornerstone First Mortgage, LLC	Conventional	4	0.6%	100%	$395,000
My Mortgage, Inc	Conventional, FHA	4	0.6%	100%	$585,000
Belem Servicing, LLC dba Patriot Home Mortgage	Conventional, FHA, Jumbo	4	0.6%	100%	$760,000
Mortgage Research Center	VA	4	0.6%	66.7%	$435,000
New American Funding, LLC.	Conventional, FHA, VA	4	0.6%	100%	$435,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.6%	100%	$112,500	View
Champions Funding, LLC	Conventional	4	0.6%	57.1%	$462,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	3 +2 HELOCs	0.4%	75%	$248,333
Amerisave Mortgage Company	Conventional	3	0.4%	28.6%	$241,666
Guild Mortgage Company	Conventional, FHA	3	0.4%	100%	$551,666
HomeXpress Mortgage Corp.	Conventional, FHA	3	0.4%	75%	$391,666
Planet Home Lending, LLC	FHA, VA	3	0.4%	75%	$488,333
ClearEdge Lending LLC	Conventional	3	0.4%	75%	$461,666
Nexera Holding LLC	Conventional	3	0.4%	75%	$421,666
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA	3	0.4%	30.8%	$311,666	View
Top Flite Financial, Inc.	Conventional, FHA, VA	3	0.4%	100%	$351,666
Luxury Mortgage Corp.	Conventional, Jumbo	3	0.4%	100%	$618,333
JMAC Lending, Inc.	Conventional, VA	3	0.4%	100%	$498,333
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.3%	66.7%	$780,000
AmWest Funding Corp	Conventional	2	0.3%	100%	$310,000
Ahl Funding	FHA	2	0.3%	100%	$545,000
Flexpoint, Inc.	Conventional	2	0.3%	100%	$480,000
First Colony Mortgage Corporat	Conventional, VA, Jumbo	2	0.3%	100%	$750,000
Total Mortgage Services, LLC	Conventional	2	0.3%	100%	$225,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA, Jumbo	2	0.3%	66.7%	$710,000	View
Hometown Equity Mortgage, LLC	Conventional	2	0.3%	50%	$175,000
American Pacific Mortgage Corporation	Conventional, FHA	2	0.3%	100%	$570,000
Better Mortgage Corporation	Conventional, FHA	2	0.3%	100%	$320,000
Prosperity Home Mortgage, LLC	Conventional, VA	2	0.3%	100%	$535,000
Mutual of Omaha Mortgage	Conventional	2	0.3%	66.7%	$470,000
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA	2	0.3%	100%	$605,000	View
Right Start Mortgage, Inc	Conventional	2	0.3%	100%	$575,000
Cake Mortgage Corp.	Conventional	2	0.3%	100%	$310,000
HomeBridge Financial Services, Inc	FHA, HELOC	1 +11 HELOCs	0.1%	100%	$455,000
Panorama Mortgage Group, LLC	Conventional	1	0.1%	100%	$485,000
Guaranteed Rate, Inc.	Conventional	1	0.1%	100%	$225,000
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$635,000
Gold Star Mortgage Financial Group, Corporation	FHA	1	0.1%	100%	$515,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$595,000
Equity Prime Mortgage LLC	VA	1	0.1%	100%	$635,000
Bank of Hope A+5.0 ★Texas Ratio: 4.07%	Conventional	1	0.1%	100%	$365,000	View
Movement Mortgage, LLC	FHA	1	0.1%	100%	$545,000
Dart Bank	Conventional	1	0.1%	100%	$345,000
Bond Street Mortgage, LLC	FHA	1	0.1%	100%	$475,000
Filo Mortgage, LLC	FHA	1	0.1%	100%	$585,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	1	0.1%	100%	$445,000	View
Resicentral LLC	Conventional	1	0.1%	100%	$325,000
Reliant Home Funding, Inc	Conventional	1	0.1%	100%	$765,000
American Financial Network, Inc.	Conventional	1	0.1%	100%	$475,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	66.7%	$585,000	View
Quorum Federal Credit Union	Conventional	1	0.1%	100%	$175,000
First Alliance Home Mortgage, LLC	FHA	1	0.1%	100%	$455,000
Royal Pacific Funding	Conventional	1	0.1%	100%	$355,000
Click n' Close, Inc.	FHA	1	0.1%	100%	$415,000
American Financing Corporation	Conventional	1	0.1%	66.7%	$85,000
myCUmortgage	Conventional	1	0.1%	100%	$365,000
Union Home Mortgage Corp.	Conventional	1	0.1%	50%	$345,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.1%	100%	$75,000
Nfm, Inc	Conventional	1	0.1%	100%	$675,000
Stg Mortgage Inc	FHA	1	0.1%	100%	$495,000
Ony Glo, Inc.	FHA	1	0.1%	33.3%	$535,000
Provident Funding Associates	Conventional	1	0.1%	100%	$525,000
T2 Financial LLC	Conventional	1	0.1%	100%	$125,000
Sierra Pacific Mortgage Co. Inc	FHA	1	0.1%	50%	$305,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$455,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$665,000	View
Milend, Inc	Conventional	1	0.1%	100%	$125,000
Tib, National Association	Conventional	1	0.1%	100%	$365,000
Andrews Federal Credit Union	Conventional	1	0.1%	100%	$195,000
Saygo Home Loans, LLC	FHA	1	0.1%	100%	$325,000
Geo-Corp, Inc.	FHA	1	0.1%	100%	$525,000
Citadel Servicing Corporation	Conventional	1	0.1%	75%	$665,000
Summit Funding.Inc	Conventional	1	0.1%	100%	$555,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$175,000
1St 2Nd Mortgage Company of N.J., Inc.	FHA	1	0.1%	100%	$605,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$805,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	1	0.1%	100%	$1,065,000	View
Fairway Independent Mort Corp	Conventional	1	0.1%	100%	$475,000
United Nations Federal CU	Conventional	1	0.1%	100%	$255,000
Thrivent Bank	Conventional	1	0.1%	100%	$165,000
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$185,000
Plaza Home Mortgage, Inc	FHA	1	0.1%	25%	$445,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$85,000
Coastal Community Bank	HELOC	0 +6 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +4 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +3 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	0%
Justice Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Empeople Credit Union	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.

Cutler Bay 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 Cutler Bay, Florida

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

Types of Mortgage Lenders in Cutler Bay, FL

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

Mortgage companies and brokers 101 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 37 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 20 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 51 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 18 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 13 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 25 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Cutler Bay, FL

Independent mortgage companies closed 82.6 percent of home loans in Cutler Bay, Florida in 2025, banks 11.3 percent and credit unions 6.1 percent. Freedom Mortgage Corporation was the largest mortgage company, JPMorgan Chase 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 16 loans.

82.6%

Mortgage companies

11.3%

Banks

6.1%

Credit unions

23%

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 Cutler Bay, FL

Who is the largest mortgage lender in Cutler Bay, FL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Cutler Bay, Florida with 17 loans, about 2.5 percent of the market. The largest lender headquartered in Florida was Space Coast Credit Union with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Cutler Bay, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 83.5 percent, against a 74.9 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 Cutler Bay, FL mortgage lenders offer FHA, VA and USDA loans?

51 lenders closed FHA loans in Cutler Bay, Florida in 2025, led by United Wholesale Mortgage with 44. 18 lenders closed VA loans, led by Rocket 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.

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

Yes. 37 banks and 20 credit unions closed home loans in Cutler Bay, Florida in 2025, alongside 101 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 Cutler Bay, FL ranked on this page?

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