Mortgage Lenders and Brokers in East Palatka, 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
East Palatka, Florida mortgage lenders include VyStar Credit UnionVyStar Credit Union16201 NW US Highway 441, Alachua, FL 32615 6399A5.0 ★Texas Ratio: 9.56%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Triad Financial Services, Inc.Triad Financial Services, Inc.1209 Kingsway Rd, Brandon, FL 33510A+5.0 ★Texas Ratio: 5.93%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, Capital City BankCapital City Bank148 S Us Highway 17, East Palatka, FL 32131A+5.0 ★Texas Ratio: 2.55%, TD BankTD Bank514 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.71%, Community First Credit Union of FLoridaCommunity First Credit Union of FLoridaJacksonville, FLA+5.0 ★Texas Ratio: 3.41%, and Freedom Mortgage CorporationFreedom Mortgage CorporationBoca Raton, FL. 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 East Palatka, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in East Palatka 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 East Palatka, Florida
Market share is the lender's share of all home loans closed in East Palatka, 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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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, HELOC | 6 +4 HELOCs |
9.5% | 75% | $146,666 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 2 | 3.2% | 100% | $550,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
1.6% | 100% | $95,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.6% | 100% | $515,000 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 1 | 1.6% | 100% | $165,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 1.6% | 100% | $485,000 | View |
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148 S Us Highway 17, East Palatka, FL 32131 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 1 +2 HELOCs |
1.6% | 100% | $35,000 | View |
Freedom Mortgage Corporation
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Conventional | 1 | 1.6% | 100% | $155,000 | |
The Mortgage Firm
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Conventional | 1 | 1.6% | 100% | $445,000 | |
Rocket Mortgage
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Conventional, VA | 9 | 14.3% | 69.2% | $181,666 | |
United Wholesale Mortgage
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FHA, VA, USDA | 6 | 9.5% | 75% | $255,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 4 | 6.3% | 100% | $182,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 4.8% | 100% | $205,000 | |
Mortgage Research Center
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VA | 3 | 4.8% | 75% | $275,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +1 HELOCs |
3.2% | 100% | $315,000 | |
Primelending
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Conventional, FHA | 2 | 3.2% | 100% | $115,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 3.2% | 100% | $210,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 3.2% | 100% | $90,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 2 | 3.2% | 100% | $235,000 | |
Royal United Mortgage LLC
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FHA | 1 | 1.6% | 100% | $165,000 | |
Allied Mortgage Group, Inc
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VA | 1 | 1.6% | 100% | $205,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.6% | 100% | $245,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.6% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.6% | 100% | $535,000 | View |
Credit Union 1
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Conventional | 1 | 1.6% | 100% | $185,000 | |
First Colony Mortgage Corporat
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VA | 1 | 1.6% | 100% | $365,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.6% | 100% | $725,000 | View |
Loanpeople, LLC
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Conventional | 1 | 1.6% | 100% | $545,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 1 | 1.6% | 100% | $205,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.6% | 100% | $225,000 | |
New American Funding, LLC.
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FHA | 1 | 1.6% | 100% | $385,000 | |
21St Mortgage
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Conventional | 1 | 1.6% | 33.3% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.02% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
East Palatka 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 East Palatka, Florida
Looking for mortgage lenders near me or mortgage brokers near me in East Palatka? The list below shows the banks, credit unions and mortgage brokers that closed home loans in East Palatka in 2025, with lenders based there listed first.
Types of Mortgage Lenders in East Palatka, FL
Use these to narrow the list above. Each category shows how many East Palatka, FL lenders fit and what that kind of lender is usually best for.
Who Lends in East Palatka, FL
Independent mortgage companies closed 66.7 percent of home loans in East Palatka, Florida in 2025, banks 17.5 percent and credit unions 15.9 percent. Triad Financial Services, Inc. was the largest mortgage company, Truist Bank the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, VyStar Credit Union led with 6 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 East Palatka, FL
By home loans closed in 2025, VyStar Credit Union was the largest mortgage lender in East Palatka, Florida with 6 loans, about 9.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in East Palatka, Florida in 2025, led by United Wholesale Mortgage with 2. 8 lenders closed VA loans, led by United Wholesale 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.
Yes. 10 banks and 5 credit unions closed home loans in East Palatka, Florida in 2025, alongside 23 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 East Palatka, 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 East Palatka, 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 East Palatka. 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.
