Mortgage Lenders and Brokers in DeFuniak Springs, 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
DeFuniak Springs, Florida mortgage lenders include CCB Community BankCCB Community Bank732 Baldwin Ave, Defuniak Springs, FL 32435A+5.0 ★Texas Ratio: 1.73%, Pnb Community BankPnb Community Bank1452 Us Highway 331 S, Defuniak Springs, FL 32435A+5.0 ★Texas Ratio: 0.34%, Regions BankRegions Bank261 Us Highway 90 W, Defuniak Springs, FL 32433A+5.0 ★Texas Ratio: 4.37%, Trustmark BankTrustmark Bank993 Us Highway 31 South, Defuniak Springs, FL 32435A+5.0 ★Texas Ratio: 2.40%, Ameris BankAmeris Bank138 Us Highway 90 E, Defuniak Springs, FL 32433A+5.0 ★Texas Ratio: 1.82%, Truist BankTruist Bank1104 Us Highway 331 S, Defuniak Springs, FL 32435A+5.0 ★Texas Ratio: 2.87%, Eglin Federal Credit UnionEglin Federal Credit Union1127 Industrial Dr, Crestview, FL 32539 8950A+5.0 ★Texas Ratio: 0.79%, Triad Financial Services, Inc.Triad Financial Services, Inc.1209 Kingsway Rd, Brandon, FL 33510A+5.0 ★Texas Ratio: 5.93%, Tyndall Federal Credit UnionTyndall Federal Credit Union1601 Ohio Ave, Lynn Haven, FL 32444 3746A+5.0 ★Texas Ratio: 0.96%, and Renasant BankRenasant Bank16404 Nw 17th Drive, Alachua, FL 32615A+5.0 ★Texas Ratio: 4.72%. 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 DeFuniak Springs, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in DeFuniak Springs 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 DeFuniak Springs, Florida
Market share is the lender's share of all home loans closed in DeFuniak Springs, 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 DeFuniak Springs 732 Baldwin Ave, Defuniak Springs, FL 32435 A+5.0 ★Texas Ratio: 1.73% |
Conventional | 6 | 2.3% | 100% | $228,333 | View |
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1 office in DeFuniak Springs 1452 Us Highway 331 S, Defuniak Springs, FL 32435 A+5.0 ★Texas Ratio: 0.34% |
Conventional, Jumbo | 5 | 1.9% | 83.3% | $631,000 | View |
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1 office in DeFuniak Springs 261 Us Highway 90 W, Defuniak Springs, FL 32433 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 4 +3 HELOCs |
1.5% | 57.1% | $282,500 | View |
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1 office in DeFuniak Springs 993 Us Highway 31 South, Defuniak Springs, FL 32435 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, HELOC | 3 +3 HELOCs |
1.1% | 100% | $165,000 | View |
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★ 4 stars, 1 review 1 office in DeFuniak Springs 138 Us Highway 90 E, Defuniak Springs, FL 32433 A+5.0 ★Texas Ratio: 1.82% |
Conventional, USDA, HELOC | 2 +3 HELOCs |
0.8% | 100% | $225,000 | View |
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★ 1 stars, 1 review 1 office in DeFuniak Springs 1104 Us Highway 331 S, Defuniak Springs, FL 32435 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $35,000 | View |
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1127 Industrial Dr, Crestview, FL 32539 8950 A+5.0 ★Texas Ratio: 0.79% |
Conventional | 4 | 1.5% | 100% | $155,000 | |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 2 | 0.8% | 87.5% | $220,000 | View |
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1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 2 | 0.8% | 66.7% | $25,000 | View |
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16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $315,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 0.4% | 50% | $165,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $365,000 | View |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
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345 E James Lee Blvd, Crestview, FL 32539 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 1 | 0.4% | 100% | $365,000 | 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 | 0.4% | 100% | $235,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional | 1 | 0.4% | 100% | $45,000 | View |
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151 East County Highway 30a, Santa Rosa Beach, FL 32459 A+5.0 ★Texas Ratio: 0.58% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Freedom Mortgage Corporation
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FHA, VA | 10 | 3.8% | 100% | $275,000 | |
Lakeview Loan Servicing, LLC
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FHA, VA | 2 | 0.8% | 40% | $410,000 | |
The Mortgage Firm
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Metroplex Mortgage Services
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USDA | 1 | 0.4% | 100% | $185,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 24 | 9.2% | 80% | $167,500 | |
21St Mortgage
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Conventional | 24 | 9.2% | 54.5% | $171,250 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 20 | 7.7% | 82.1% | $267,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, USDA | 12 | 4.6% | 92.3% | $280,000 | |
Mortgage Research Center
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Conventional, FHA, VA | 8 | 3.1% | 66.7% | $262,500 | |
Cardinal Financial Company, Li
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Conventional, FHA | 7 | 2.7% | 87.5% | $192,142 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 5 | 1.9% | 100% | $167,000 | |
Princeton Mortgage Corporation
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Conventional, FHA, VA | 5 | 1.9% | 100% | $237,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, VA | 4 | 1.5% | 44.4% | $195,000 | View |
Assurance Financial Group, L.L.C.
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Conventional, FHA, VA | 4 | 1.5% | 100% | $405,000 | |
Waterstone Mortgage Corporation
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FHA, VA | 4 | 1.5% | 100% | $302,500 | |
Inspire Home Loans Inc.
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FHA, VA | 4 | 1.5% | 100% | $260,000 | |
Mortgage Solutions of Colorado
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Conventional, FHA, VA | 4 | 1.5% | 80% | $232,500 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 4 | 1.5% | 100% | $290,000 | |
All In Credit Union
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Conventional, HELOC | 3 +19 HELOCs |
1.1% | 50% | $128,333 | |
Primelending
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Conventional, FHA | 3 | 1.1% | 75% | $178,333 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 1.1% | 60% | $155,000 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 1.1% | 60% | $341,666 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 1.1% | 42.9% | $115,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 3 | 1.1% | 100% | $155,000 | View |
Peoples Mortgage Company
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Conventional, FHA | 3 | 1.1% | 100% | $141,666 | |
Nationstar Mortgage
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Conventional | 3 | 1.1% | 60% | $141,666 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, VA | 3 | 1.1% | 100% | $321,666 | View |
New American Funding, LLC.
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Conventional, VA | 3 | 1.1% | 60% | $281,666 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA | 3 | 1.1% | 100% | $251,666 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +2 HELOCs |
0.8% | 50% | $275,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $150,000 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 2 | 0.8% | 100% | $315,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $215,000 | |
Movement Mortgage, LLC
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Conventional, VA | 2 | 0.8% | 100% | $490,000 | |
Pennymac Loan Services LLC
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FHA | 2 | 0.8% | 100% | $265,000 | |
AdvantageFirst Lending Inc
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FHA | 2 | 0.8% | 100% | $255,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 2 | 0.8% | 66.7% | $260,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 0.8% | 66.7% | $100,000 | |
Pentagon Federal Credit Union
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VA | 2 | 0.8% | 100% | $300,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.8% | 15.4% | $65,000 | |
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A5.0 ★Texas Ratio: 6.45% |
FHA | 1 | 0.4% | 100% | $395,000 | View |
Peoplessouth Bank
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Conventional | 1 | 0.4% | 100% | $235,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.4% | 100% | $195,000 | |
Nbkc Bank
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Conventional | 1 | 0.4% | 100% | $605,000 | |
United Trust Bank
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VA | 1 | 0.4% | 100% | $555,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
FHA | 1 | 0.4% | 100% | $295,000 | View |
5Th Sreet Capital Inc.
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Conventional | 1 | 0.4% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
Onward Home Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $165,000 | |
River Bank & Trust
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Conventional | 1 | 0.4% | 100% | $125,000 | |
Das Acquisition Company, LLC
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FHA | 1 | 0.4% | 100% | $245,000 | |
American Financing Corporation
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Conventional | 1 | 0.4% | 16.7% | $185,000 | |
First Option Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.4% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
Carroll Bank and Trust
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Conventional | 1 | 0.4% | 100% | $85,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.4% | 100% | $65,000 | View |
Zillow Home Loans, LLC
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FHA | 1 | 0.4% | 100% | $225,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $225,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.4% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
VA | 1 | 0.4% | 50% | $235,000 | View |
Loan Simple, Inc.
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USDA | 1 | 0.4% | 100% | $225,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 33.3% | $35,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.4% | 100% | $165,000 | |
Cadence Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Synovus Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
DeFuniak Springs 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 DeFuniak Springs, Florida
Looking for mortgage lenders near me or mortgage brokers near me in DeFuniak Springs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in DeFuniak Springs in 2025, with lenders based there listed first.
Types of Mortgage Lenders in DeFuniak Springs, FL
Use these to narrow the list above. Each category shows how many DeFuniak Springs, FL lenders fit and what that kind of lender is usually best for.
Who Lends in DeFuniak Springs, FL
Independent mortgage companies closed 74.3 percent of home loans in DeFuniak Springs, Florida in 2025, banks 19.9 percent and credit unions 5.7 percent. Triad Financial Services, Inc. was the largest mortgage company, CCB Community Bank the largest bank and Eglin Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Pnb Community Bank led with 5 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 DeFuniak Springs, FL
By home loans closed in 2025, CCB Community Bank was the largest mortgage lender in DeFuniak Springs, Florida with 6 loans, about 2.3 percent of the market. The largest lender headquartered in Florida was Pnb Community Bank with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
35 lenders closed FHA loans in DeFuniak Springs, Florida in 2025, led by Freedom Mortgage Corporation with 5. 21 lenders closed VA loans, led by United Wholesale Mortgage, and 4 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.
Yes. 32 banks and 7 credit unions closed home loans in DeFuniak Springs, Florida in 2025, alongside 50 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 DeFuniak Springs, 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 DeFuniak Springs, 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 DeFuniak Springs. 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.
