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Mortgage Lenders and Brokers in Destin, Florida

Content reviewed by

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

Destin, Florida mortgage lenders include Trustmark BankTrustmark Bank16045 Emerald Coast Pkwy, Destin, FL 32541A+5.0 ★Texas Ratio: 2.40%, Regions BankRegions Bank100 Main St, Destin, FL 32541A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank36254 Emerald Coast Pkwy, Destin, FL 32541A+5.0 ★Texas Ratio: 4.72%, Truist BankTruist Bank34901 Emerald Coast Pkwy, Destin, FL 32541A+5.0 ★Texas Ratio: 2.87%, United Community BankUnited Community Bank35008 Emerald Coast Pkwy, Destin, FL 32541A+5.0 ★Texas Ratio: 2.97%, Hancock Whitney BankHancock Whitney Bank14075 Emerald Coast Pkwy, Destin, FL 32541A+5.0 ★Texas Ratio: 3.41%, Bank of America NABank of America NA1014 Highway 98 E, Destin, FL 32541A+5.0 ★Texas Ratio: 4.14%, Centennial BankCentennial Bank34855 Emerald Coast Pkwy, Destin, FL 32541A+5.0 ★Texas Ratio: 3.14%, Wells Fargo Bank NAWells Fargo Bank NA34877 Emerald Coast Pkwy, Destin, FL 32541A+5.0 ★Texas Ratio: 5.36%, and PNC Bank N.A.PNC Bank N.A.34905 Emerald Coast Pkwy, Destin, FL 32541A+5.0 ★Texas Ratio: 4.24%. 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 Destin, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Destin 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 Destin, Florida

Market share is the lender's share of all home loans closed in Destin, 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
Trustmark Bank 1 office in Destin 16045 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 2.40%	Conventional, VA, Jumbo, HELOC	17 +4 HELOCs	4%	100%	$523,235	View
Regions Bank 2 offices in Destin 100 Main St, Destin, FL 32541 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	11 +12 HELOCs	2.6%	77.8%	$308,636	View
Renasant Bank 1 office in Destin 36254 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 4.72%	Conventional, Jumbo, HELOC	4 +4 HELOCs	0.9%	80%	$752,500	View
Truist Bank ★ 1 stars, 1 review 1 office in Destin 34901 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, HELOC	2 +1 HELOCs	0.5%	100%	$445,000	View
United Community Bank 1 office in Destin 35008 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 2.97%	Conventional, Jumbo, HELOC	1 +8 HELOCs	0.2%	33.3%	$2,155,000	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 1 office in Destin 14075 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 3.41%	Conventional, HELOC	1 +5 HELOCs	0.2%	50%	$405,000	View
Bank of America NA 1 office in Destin 1014 Highway 98 E, Destin, FL 32541 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +1 HELOCs	0.2%	50%	$135,000	View
Centennial Bank 1 office in Destin 34855 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 3.14%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$225,000	View
Wells Fargo Bank NA 2 offices in Destin 34877 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	1	0.2%	33.3%	$1,255,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Destin 34905 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +2 HELOCs	0%	n/a		View
Pinnacle Bank 1 office in Destin 34910 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 3.04%	HELOC	0 +1 HELOCs	0%	n/a		View
Community Bank of Mississippi 345 E James Lee Blvd, Crestview, FL 32539 A+5.0 ★Texas Ratio: 3.09%	Conventional, FHA, Jumbo, HELOC	14 +4 HELOCs	3.3%	100%	$447,857	View
Eglin Federal Credit Union 180 Main St, Destin, FL 32541 2502 A+5.0 ★Texas Ratio: 0.79%	Conventional	8	1.9%	100%	$141,250
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, FHA, VA, Jumbo, HELOC	7 +1 HELOCs	1.6%	100%	$442,142	View
Bankplus 4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80%	Conventional, Jumbo	5	1.2%	71.4%	$513,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, VA, Jumbo, HELOC	3 +1 HELOCs	0.7%	75%	$865,000	View
JPMorgan Chase Bank, NA 500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.5%	50%	$1,765,000	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	2 +1 HELOCs	0.5%	66.7%	$290,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, Jumbo	2	0.5%	66.7%	$670,000	View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	Conventional, VA, Jumbo	2	0.5%	100%	$1,430,000	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	2	0.5%	100%	$925,000	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional	2	0.5%	100%	$320,000	View
First Security Bank 151 East County Highway 30a, Santa Rosa Beach, FL 32459 A+5.0 ★Texas Ratio: 0.58%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$415,000	View
Servisfirst Bank 316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75%	Conventional	1	0.2%	100%	$185,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	VA, Jumbo	1	0.2%	100%	$815,000	View
First National Bank of Decatur 91 Scenic Gulf Dr, Miramar Beach, FL 32550 A-4.3 ★Texas Ratio: 5.54%	Conventional, Jumbo	1	0.2%	100%	$1,505,000	View
Prime Meridian Bank 2201 Crawfordville Hwy, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.17%	Conventional, Jumbo	1	0.2%	100%	$425,000	View
Busey Bank 2524 Del Prado Blvd S, Cape Coral, FL 33904 A+5.0 ★Texas Ratio: 2.31%	Conventional	1	0.2%	100%	$475,000	View
Pnb Community Bank 1452 Us Highway 331 S, Defuniak Springs, FL 32435 A+5.0 ★Texas Ratio: 0.34%	Conventional	1	0.2%	100%	$705,000	View
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	1	0.2%	100%	$1,165,000	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%	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%	0%		View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	HELOC	0 +1 HELOCs	0%	n/a		View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	HELOC	0 +1 HELOCs	0%	n/a		View
First American Bank 540 Biltmore Way, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Lakeview Loan Servicing, LLC	Conventional	1	0.2%	66.7%	$355,000
Freedom Mortgage Corporation	VA	1	0.2%	100%	$505,000
LoanFlight Lending, LLC.	VA	1	0.2%	100%	$725,000
Home Office	Conventional	1	0.2%	100%	$135,000
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.2%	100%	$365,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	40	9.3%	89.1%	$477,750
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	26 +1 HELOCs	6.1%	100%	$378,076
Rocket Mortgage	Conventional, FHA, VA, Jumbo	25	5.8%	71.4%	$495,400
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	16	3.7%	100%	$633,750
Cadence Bank	Conventional, VA, Jumbo, HELOC	14 +7 HELOCs	3.3%	93.3%	$458,571
Waterstone Mortgage Corporation	Conventional, FHA, VA, Jumbo	13	3%	100%	$338,846
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA, Jumbo	11	2.6%	57.9%	$485,909	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	10 +3 HELOCs	2.3%	55.6%	$414,000
Pennymac Loan Services LLC	Conventional, VA, Jumbo	6	1.4%	85.7%	$500,000
Guild Mortgage Company	Conventional, FHA, VA	6	1.4%	87.5%	$353,333
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	5	1.2%	100%	$773,000
Mortgage Research Center	Conventional, VA, Jumbo	5	1.2%	60%	$519,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional, VA	5	1.2%	71.4%	$449,000	View
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, HELOC	4 +2 HELOCs	0.9%	80%	$347,500	View
Nbkc Bank	FHA, VA	4	0.9%	100%	$365,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, Jumbo	4	0.9%	80%	$927,500	View
The Loan Store, Inc	Conventional, HELOC	3 +3 HELOCs	0.7%	100%	$435,000
Synovus Bank	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.7%	75%	$1,051,666
Primelending	Conventional, FHA	3	0.7%	50%	$318,333
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	3	0.7%	100%	$2,538,333	View
Thomasville National Bank	Conventional, Jumbo	3	0.7%	100%	$1,115,000
Nationstar Mortgage	Conventional, VA	3	0.7%	60%	$208,333
New American Funding, LLC.	Conventional, VA	3	0.7%	100%	$318,333
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	3	0.7%	100%	$995,000	View
Fairway Independent Mort Corp	Conventional, VA	3	0.7%	75%	$405,000
All In Credit Union	Conventional, HELOC	2 +3 HELOCs	0.5%	50%	$225,000
Bank of England A5.0 ★Texas Ratio: 6.45%	FHA	2	0.5%	100%	$245,000	View
American Pride Bank A+5.0 ★Texas Ratio: 0.01%	Conventional	2	0.5%	100%	$280,000	View
Pacor Mortgage Corp	Conventional, Jumbo	2	0.5%	100%	$830,000
loanDepot.com LLC	Conventional	2	0.5%	50%	$130,000
Deephaven Mortgage LLC	Conventional, Jumbo	2	0.5%	100%	$1,295,000
Princeton Mortgage Corporation	Conventional	2	0.5%	100%	$330,000
Assurance Financial Group, L.L.C.	Conventional, VA	2	0.5%	100%	$565,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	2	0.5%	100%	$1,110,000
BankTennessee A+5.0 ★Texas Ratio: 4.09%	Conventional	2	0.5%	100%	$150,000	View
Nfm, Inc	FHA, VA	2	0.5%	100%	$400,000
Hometown Equity Mortgage, LLC	Conventional	2	0.5%	66.7%	$290,000
American Pacific Mortgage Corporation	VA	2	0.5%	100%	$395,000
Zillow Home Loans, LLC	Conventional, VA	2	0.5%	100%	$370,000
Paramount Residential Mortgage	Conventional, VA	2	0.5%	100%	$570,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	2	0.5%	66.7%	$1,525,000
Champions Funding, LLC	Conventional, Jumbo	2	0.5%	100%	$755,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.2%	100%	$485,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +2 HELOCs	0.2%	50%	$725,000
Spring Eq, LLC	Conventional, HELOC	1 +2 HELOCs	0.2%	14.3%	$245,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo	1	0.2%	100%	$1,125,000	View
Fidelity Bank A5.0 ★Texas Ratio: 12.33%	Conventional	1	0.2%	100%	$555,000	View
Cornerstone First Mortgage, LLC	Conventional	1	0.2%	100%	$165,000
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.2%	100%	$355,000	View
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0.2%	100%	$765,000	View
Royal United Mortgage LLC	Conventional	1	0.2%	100%	$105,000
b1BANK A5.0 ★Texas Ratio: 9.53%	Conventional	1	0.2%	100%	$805,000	View
Primary Residential Mortgage, INC.	VA	1	0.2%	100%	$405,000
Independence Bank of Kentucky A+5.0 ★Texas Ratio: 0.79%	Conventional	1	0.2%	100%	$225,000	View
MidFirst Bank A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo	1	0.2%	100%	$1,525,000	View
Paragon Bank A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.2%	100%	$845,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	VA	1	0.2%	50%	$285,000	View
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional	1	0.2%	100%	$695,000	View
Gvc Mortgage, Inc.	Conventional, Jumbo	1	0.2%	100%	$1,505,000
Equity Prime Mortgage LLC	FHA	1	0.2%	100%	$545,000
Kind Lending, LLC	VA	1	0.2%	100%	$635,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.2%	100%	$755,000	View
Oaktree Funding Corp	Conventional, Jumbo	1	0.2%	100%	$1,385,000
AdvantageFirst Lending Inc	Conventional	1	0.2%	100%	$395,000
American Financial Network, Inc.	Conventional	1	0.2%	100%	$515,000
Bank of Bartlett A-4.9 ★Texas Ratio: 16.60%	Conventional, Jumbo	1	0.2%	100%	$4,065,000	View
Saint Louis Bank	Conventional	1	0.2%	100%	$205,000
Vision One Mortgage, Inc.	Conventional, Jumbo	1	0.2%	100%	$2,315,000
Southern Bank A5.0 ★Texas Ratio: 6.11%	Conventional, Jumbo	1	0.2%	100%	$2,085,000	View
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.2%	100%	$555,000	View
River Bank & Trust	Conventional	1	0.2%	100%	$315,000
First National Bank of Hereford A+5.0 ★Texas Ratio: 0.35%	Conventional, Jumbo	1	0.2%	100%	$1,155,000	View
City 1st Mortgage Services, LC	VA	1	0.2%	100%	$485,000
Sun West Mortgage Company, Inc	VA	1	0.2%	100%	$395,000
Standard Mortgage Corporation	Conventional	1	0.2%	100%	$445,000
Foundation One Bank A+5.0 ★Texas Ratio: 2.78%	Conventional, Jumbo	1	0.2%	100%	$1,145,000	View
Union Home Mortgage Corp.	Conventional	1	0.2%	100%	$545,000
Great Southern Bank A+5.0 ★Texas Ratio: 1.55%	Conventional	1	0.2%	100%	$765,000	View
Security Bank A+5.0 ★Texas Ratio: 2.57%	Conventional	1	0.2%	100%	$105,000	View
FNB & Trust of Ardmore A+5.0 ★Texas Ratio: 0.15%	Conventional	1	0.2%	100%	$335,000	View
Cardinal Financial Company, Li	Conventional	1	0.2%	100%	$435,000
First National Bank of Eastern Arkansas A+5.0 ★Texas Ratio: 3.75%	Conventional, Jumbo	1	0.2%	100%	$1,405,000	View
Churchill Mortgage Corporation	VA	1	0.2%	50%	$305,000
The Bank of Fayette County	Conventional	1	0.2%	100%	$325,000
T2 Financial LLC	Conventional	1	0.2%	100%	$665,000
BoxCar Mortgage, LLC	Conventional	1	0.2%	100%	$365,000
Lendsure Mortgage Corp.	Conventional	1	0.2%	100%	$155,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.2%	100%	$205,000
Community Financial Services Bank A+5.0 ★Texas Ratio: 3.65%	Conventional	1	0.2%	100%	$295,000	View
Bank of Sunset and Trust Co	Conventional	1	0.2%	100%	$485,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	1	0.2%	100%	$1,005,000	View
Cortrust Mortgage, Inc. A+5.0 ★Texas Ratio: 5.11%	Conventional	1	0.2%	100%	$505,000	View
Lake Michigan Credit Union	Conventional, Jumbo	1	0.2%	100%	$1,115,000
Better Mortgage Corporation	Conventional	1	0.2%	33.3%	$575,000
Stryv Bank A+5.0 ★Texas Ratio: 0.03%	Conventional	1	0.2%	100%	$545,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.2%	100%	$705,000	View
Geo-Corp, Inc.	FHA	1	0.2%	100%	$235,000
Citadel Servicing Corporation	Conventional	1	0.2%	100%	$335,000
Summit Funding.Inc	Conventional, Jumbo	1	0.2%	100%	$945,000
Mutual of Omaha Mortgage	Conventional	1	0.2%	100%	$455,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.2%	100%	$315,000	View
First Financial Bank A+5.0 ★Texas Ratio: 3.21%	Conventional, Jumbo	1	0.2%	100%	$1,005,000	View
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	1	0.2%	100%	$595,000
Pulte Mortgage LLC	Conventional	1	0.2%	100%	$205,000
RBC Bank (Georgia), N.A.	Conventional	1	0.2%	100%	$495,000
Star Financial Bank A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.2%	100%	$715,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional, Jumbo	1	0.2%	50%	$1,505,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	VA	1	0.2%	50%	$565,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.2%	100%	$375,000	View
Volunteer Bank A+5.0 ★Texas Ratio: 3.34%	Conventional, Jumbo	1	0.2%	100%	$1,605,000	View
My Move Mortgage, LLC	Conventional	1	0.2%	100%	$355,000
Goprime Mortgage, Inc.	Conventional	1	0.2%	100%	$175,000
Vista Point Mortgage, LLC	Conventional, Jumbo	1	0.2%	33.3%	$1,935,000
Village Capital & Investment	VA	1	0.2%	100%	$515,000
JMAC Lending, Inc.	Conventional	1	0.2%	100%	$705,000
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	100%
Firstbank A5.0 ★Texas Ratio: 7.51%	HELOC	0 +1 HELOCs	0%	n/a		View
Coastal Community Bank	HELOC	0 +1 HELOCs	0%	n/a
Umb Bank NA A+5.0 ★Texas Ratio: 1.78%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Destin 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 Destin, Florida

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

Types of Mortgage Lenders in Destin, FL

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

Mortgage companies and brokers 69 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 82 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 13 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 16 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 38 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 53 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 12 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Destin, FL

Independent mortgage companies closed 51.7 percent of home loans in Destin, Florida in 2025, banks 42.4 percent and credit unions 5.8 percent. Lakeview Loan Servicing, LLC was the largest mortgage company, Trustmark Bank the largest bank and Eglin Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Eglin Federal Credit Union led with 8 loans.

51.7%

Mortgage companies

42.4%

Banks

5.8%

Credit unions

FHA loans

18%

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 Destin, FL

Who is the largest mortgage lender in Destin, FL?

By home loans closed in 2025, Trustmark Bank was the largest mortgage lender in Destin, Florida with 17 loans, about 4 percent of the market. The largest lender headquartered in Florida was Eglin Federal Credit Union with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

16 lenders closed FHA loans in Destin, Florida in 2025, led by Southstate Bank, National Association with 2. 38 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.

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

Yes. 82 banks and 13 credit unions closed home loans in Destin, Florida in 2025, alongside 69 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 Destin, FL ranked on this page?

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