Mortgage Lenders and Brokers in Elfers, 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
Elfers, Florida mortgage lenders include Gte Federal Credit UnionGte Federal Credit Union7375 University Pkwy, Bradenton, FL 34202 2300A5.0 ★Texas Ratio: 7.65%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Achieva Credit UnionAchieva Credit Union4254 53rd Ave E, Bradenton, FL 34203A+5.0 ★Texas Ratio: 2.57%, Fifth Third Bank, National AssociationFifth Third Bank, National Association254 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.22%, Raymond James BankRaymond James Bank710 Carillon Pkwy, Saint Petersburg, FL 33716A+5.0 ★Texas Ratio: 3.19%, Suncoast Credit UnionSuncoast Credit Union1328 E Oak St, Arcadia, FL 34266A5.0 ★Texas Ratio: 6.26%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Grow Financial Federal Credit UnionGrow Financial Federal Credit Union11008 Arcade Pl, Bradenton, FL 34211A+5.0 ★Texas Ratio: 3.70%, and Midflorida Credit UnionMidflorida Credit Union1199 Spring Centre South Blvd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.18%. 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 Elfers, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elfers 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 Elfers, Florida
Market share is the lender's share of all home loans closed in Elfers, 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 |
|---|---|---|---|---|---|---|
|
7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
Conventional, FHA, HELOC | 5 +1 HELOCs |
1.8% | 100% | $83,000 | View |
|
360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 4 +1 HELOCs |
1.4% | 40% | $135,000 | View |
|
4254 53rd Ave E, Bradenton, FL 34203 A+5.0 ★Texas Ratio: 2.57% |
Conventional, HELOC | 3 +5 HELOCs |
1.1% | 60% | $125,000 | View |
|
254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, VA, HELOC | 3 +1 HELOCs |
1.1% | 100% | $121,666 | View |
|
710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional, FHA | 3 | 1.1% | 100% | $151,666 | View |
|
1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 2 +12 HELOCs |
0.7% | 66.7% | $315,000 | View |
|
460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +2 HELOCs |
0.7% | 100% | $250,000 | View |
|
★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +2 HELOCs |
0.7% | 66.7% | $180,000 | View |
|
11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 2 | 0.7% | 100% | $115,000 | 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 |
0.4% | 33.3% | $45,000 | View |
|
9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 33.3% | $35,000 | View |
|
★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
|
20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.4% | 100% | $225,000 | View |
|
514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.4% | 33.3% | $35,000 | View |
|
★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
959 E Brandon Blvd, Brandon, FL 33511 A+5.0 ★Texas Ratio: 0.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Freedom Mortgage Corporation
|
FHA, VA | 5 | 1.8% | 62.5% | $221,000 | |
The Mortgage Firm
|
Conventional, FHA | 4 | 1.4% | 100% | $202,500 | |
Acrisure Mortgage, LLC
|
Conventional, FHA | 2 | 0.7% | 100% | $210,000 | |
|
A5.0 ★Texas Ratio: 10.20% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $65,000 | View |
Lakeview Loan Servicing, LLC
|
Conventional | 1 | 0.4% | 50% | $125,000 | |
American Bancshares Mortgage, LLC
|
Conventional | 1 | 0.4% | 100% | $245,000 | |
LoanFlight Lending, LLC.
|
FHA | 1 | 0.4% | 100% | $385,000 | |
New Day Financial, LLC.
|
VA | 1 | 0.4% | 100% | $205,000 | |
Home Access Financial, LLC
|
Conventional | 1 | 0.4% | 100% | $145,000 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 40 | 14.2% | 82% | $238,500 | |
Rocket Mortgage
|
Conventional, FHA, VA | 26 | 9.2% | 79.4% | $200,769 | |
Click n' Close, Inc.
|
Conventional, FHA | 18 | 6.4% | 90% | $165,000 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 9 | 3.2% | 81.8% | $195,000 | |
Point Mortgage Corp
|
Conventional, FHA | 7 | 2.5% | 100% | $149,285 | |
New American Funding, LLC.
|
Conventional, FHA | 7 | 2.5% | 87.5% | $229,285 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 6 | 2.1% | 85.7% | $181,666 | |
Everett Financial, Inc.
|
Conventional, FHA | 5 | 1.8% | 100% | $213,000 | |
|
A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA | 5 | 1.8% | 71.4% | $183,000 | View |
Kind Lending, LLC
|
Conventional, FHA | 5 | 1.8% | 100% | $283,000 | |
Paramount Residential Mortgage
|
Conventional, FHA | 5 | 1.8% | 100% | $211,000 | |
American Financial Network, Inc.
|
Conventional, FHA | 4 | 1.4% | 100% | $207,500 | |
My Mortgage, Inc
|
Conventional, FHA | 4 | 1.4% | 100% | $287,500 | |
Mortgage Research Center
|
VA | 4 | 1.4% | 57.1% | $237,500 | |
JMAC Lending, Inc.
|
Conventional, FHA | 4 | 1.4% | 100% | $187,500 | |
American Financial Resources LLC
|
Conventional, FHA | 3 | 1.1% | 100% | $165,000 | |
Primary Residential Mortgage, INC.
|
Conventional, FHA | 3 | 1.1% | 100% | $155,000 | |
loanDepot.com LLC
|
Conventional, FHA | 3 | 1.1% | 60% | $121,666 | |
|
A+5.0 ★Texas Ratio: 2.02% |
FHA, USDA | 3 | 1.1% | 100% | $141,666 | View |
Planet Home Lending, LLC
|
Conventional, FHA, VA | 3 | 1.1% | 75% | $268,333 | |
Nationstar Mortgage
|
Conventional, FHA | 3 | 1.1% | 60% | $91,666 | |
Fairway Independent Mort Corp
|
Conventional, FHA | 3 | 1.1% | 100% | $135,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1.1% | 100% | $225,000 | |
Plaza Home Mortgage, Inc
|
Conventional, FHA | 3 | 1.1% | 60% | $211,666 | |
EMM Loans LLC
|
FHA | 2 | 0.7% | 100% | $220,000 | |
Tidewater Mortgage Services, Inc
|
Conventional | 2 | 0.7% | 100% | $95,000 | |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
FHA | 2 | 0.7% | 100% | $255,000 | View |
Guaranteed Rate, Inc.
|
FHA, VA | 2 | 0.7% | 66.7% | $245,000 | |
Go Mortgage, LLC
|
Conventional, FHA | 2 | 0.7% | 100% | $115,000 | |
Equity Prime Mortgage LLC
|
FHA | 2 | 0.7% | 66.7% | $210,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 2 | 0.7% | 100% | $225,000 | |
Movement Mortgage, LLC
|
Conventional, FHA | 2 | 0.7% | 100% | $140,000 | |
Amerisave Mortgage Company
|
Conventional | 2 | 0.7% | 28.6% | $65,000 | |
Homeowners Financial Group, LLC
|
Conventional, FHA | 2 | 0.7% | 50% | $125,000 | |
Synovus Bank
|
Conventional | 2 | 0.7% | 100% | $135,000 | |
Lake Michigan Credit Union
|
Conventional | 2 | 0.7% | 100% | $160,000 | |
Zillow Home Loans, LLC
|
VA | 2 | 0.7% | 100% | $340,000 | |
Leaderone Financial Corp.
|
Conventional, FHA | 2 | 0.7% | 100% | $145,000 | |
HomeBridge Financial Services, Inc
|
VA, HELOC | 1 +1 HELOCs |
0.4% | 100% | $255,000 | |
Cornerstone First Mortgage, LLC
|
FHA | 1 | 0.4% | 100% | $265,000 | |
Guaranteed Rate Affinity, LLC
|
FHA | 1 | 0.4% | 100% | $235,000 | |
RANLife, Inc.
|
FHA | 1 | 0.4% | 100% | $215,000 | |
Gold Star Mortgage Financial Group, Corporation
|
FHA | 1 | 0.4% | 100% | $285,000 | |
|
A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.4% | 100% | $265,000 | View |
Envoy Mortgage, Ltd
|
FHA | 1 | 0.4% | 100% | $185,000 | |
Loanunited.Com, LLC
|
VA | 1 | 0.4% | 100% | $285,000 | |
AdvantageFirst Lending Inc
|
FHA | 1 | 0.4% | 100% | $235,000 | |
Instamortgage, Inc
|
FHA | 1 | 0.4% | 100% | $295,000 | |
Acre Mortgage & Financial, Inc.
|
Conventional | 1 | 0.4% | 100% | $275,000 | |
Discover Bank
|
Conventional | 1 | 0.4% | 50% | $35,000 | |
Credit Human Federal Credit Un
|
Conventional | 1 | 0.4% | 100% | $215,000 | |
VanDyk Mortgage Corporation
|
FHA | 1 | 0.4% | 100% | $315,000 | |
American Financing Corporation
|
FHA | 1 | 0.4% | 100% | $225,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.4% | 100% | $285,000 | |
Mid-Continent Funding, Inc.
|
VA | 1 | 0.4% | 100% | $365,000 | |
Cardinal Financial Company, Li
|
FHA | 1 | 0.4% | 66.7% | $265,000 | |
Churchill Mortgage Corporation
|
FHA | 1 | 0.4% | 100% | $255,000 | |
Embrace Home Loans, Inc.
|
FHA | 1 | 0.4% | 100% | $255,000 | |
Wolfe Financial Inc
|
Conventional | 1 | 0.4% | 100% | $235,000 | |
Victorian Finance, LLC
|
Conventional | 1 | 0.4% | 100% | $195,000 | |
Member First Mortgage, LLC
|
FHA | 1 | 0.4% | 100% | $185,000 | |
|
A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
Mortgage Solutions of Colorado
|
VA | 1 | 0.4% | 100% | $305,000 | |
Loan Simple, Inc.
|
FHA | 1 | 0.4% | 100% | $255,000 | |
Spring Eq, LLC
|
Conventional | 1 | 0.4% | 25% | $65,000 | |
Gershman Investment Corp.
|
Conventional | 1 | 0.4% | 100% | $185,000 | |
Champions Funding, LLC
|
Conventional | 1 | 0.4% | 100% | $115,000 | |
Village Capital & Investment
|
FHA | 1 | 0.4% | 100% | $235,000 | |
Goodleap, LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Delta Community Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Elfers 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 Elfers, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Elfers? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elfers in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elfers, FL
Use these to narrow the list above. Each category shows how many Elfers, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Elfers, FL
Independent mortgage companies closed 84.4 percent of home loans in Elfers, Florida in 2025, banks 8.2 percent and credit unions 7.4 percent. Freedom Mortgage Corporation was the largest mortgage company, Regions Bank the largest bank and Gte Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Gte Federal Credit Union 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 Elfers, FL
By home loans closed in 2025, Gte Federal Credit Union was the largest mortgage lender in Elfers, Florida with 5 loans, about 1.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
53 lenders closed FHA loans in Elfers, Florida in 2025, led by United Wholesale Mortgage with 18. 16 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. 17 banks and 11 credit unions closed home loans in Elfers, Florida in 2025, alongside 73 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 Elfers, 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 Elfers, 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 Elfers. 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.
