Mortgage Lenders and Brokers in Fernandina Beach, 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
Fernandina Beach, Florida mortgage lenders include Regions BankRegions Bank1409 Sadler Rd, Fernandina Beach, FL 32034A+5.0 ★Texas Ratio: 4.37%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA821 Sadler Rd, Fernandina Beach, FL 32034A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA1822 S 8th St, Fernandina Beach, FL 32034A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank1920 S 14th St, Fernandina Beach, FL 32034A+5.0 ★Texas Ratio: 2.87%, First Federal BankFirst Federal Bank1891 S 14th St, Fernandina Beach, FL 32034A+5.0 ★Texas Ratio: 1.10%, Wells Fargo Bank NAWells Fargo Bank NA1860 S 8th St, Fernandina Beach, FL 32034A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.4800 First Coast Hwy, Fernandina Beach, FL 32034A+5.0 ★Texas Ratio: 4.24%, Pinnacle BankPinnacle Bank1750 S 14th St, Fernandina Beach, FL 32034A+5.0 ★Texas Ratio: 3.04%, VyStar Credit UnionVyStar Credit Union1900 S 14th St, Fernandina Beach, FL 32034A5.0 ★Texas Ratio: 9.56%, and Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%. 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 Fernandina Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fernandina Beach 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 Fernandina Beach, Florida
Market share is the lender's share of all home loans closed in Fernandina Beach, 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 Fernandina Beach 1409 Sadler Rd, Fernandina Beach, FL 32034 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo, HELOC | 17 +6 HELOCs |
4% | 89.5% | $746,764 | View |
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1 office in Fernandina Beach 821 Sadler Rd, Fernandina Beach, FL 32034 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 12 | 2.8% | 100% | $692,500 | View |
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2 offices in Fernandina Beach 1822 S 8th St, Fernandina Beach, FL 32034 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 5 +8 HELOCs |
1.2% | 83.3% | $531,000 | View |
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★ 1 stars, 1 review 1 office in Fernandina Beach 1920 S 14th St, Fernandina Beach, FL 32034 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 5 +5 HELOCs |
1.2% | 100% | $611,000 | View |
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1 office in Fernandina Beach 1891 S 14th St, Fernandina Beach, FL 32034 A+5.0 ★Texas Ratio: 1.10% |
Conventional, VA | 5 | 1.2% | 83.3% | $251,000 | View |
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1 office in Fernandina Beach 1860 S 8th St, Fernandina Beach, FL 32034 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 0.9% | 80% | $362,500 | View |
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★ 1.7 stars, 3 reviews 2 offices in Fernandina Beach 4800 First Coast Hwy, Fernandina Beach, FL 32034 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 2 +9 HELOCs |
0.5% | 66.7% | $2,825,000 | View |
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1 office in Fernandina Beach 1750 S 14th St, Fernandina Beach, FL 32034 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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1900 S 14th St, Fernandina Beach, FL 32034 A5.0 ★Texas Ratio: 9.56% |
Conventional, Jumbo, HELOC | 18 +10 HELOCs |
4.2% | 66.7% | $361,666 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, Jumbo | 10 | 2.4% | 100% | $454,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 4 +4 HELOCs |
0.9% | 100% | $255,000 | View |
Radifi Federal Credit Union
801 Atlantic Blvd, Atlantic Beach, FL 32233 |
Conventional | 3 | 0.7% | 100% | $101,666 | |
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★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.5% | 100% | $1,055,000 | View |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 2 | 0.5% | 100% | $495,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $735,000 | View |
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101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $395,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 50% | $465,000 | View |
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16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
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891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.2% | 100% | $465,000 | View |
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3100 N Military Trl, Boca Raton, FL 33431 A4.7 ★Texas Ratio: 0.83% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,755,000 | View |
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14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.2% | 100% | $855,000 | View |
Florida Capital Bank, N.A
241 Sw 7th Ter, Gainesville, FL 32601 |
Conventional | 1 | 0.2% | 100% | $285,000 | |
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★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18% |
Conventional | 1 | 0.2% | 100% | $595,000 | View |
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542238 Us Highway 1, Callahan, FL 32011 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
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6202 Commerce Palms Dr, Tampa, FL 33647 A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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15000 Nw 140th St, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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660 West Ave, Cocoa, FL 32927 4971 A+5.0 ★Texas Ratio: 1.43% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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4472 Lafayette St, Marianna, FL 32446 A+5.0 ★Texas Ratio: 3.60% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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790 Park of Commerce Blvd, Boca Raton, FL 33487 A+5.0 ★Texas Ratio: 5.06% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 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, Jumbo, HELOC | 8 +2 HELOCs |
1.9% | 100% | $288,750 | View |
Freedom Mortgage Corporation
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VA, Jumbo | 2 | 0.5% | 66.7% | $1,205,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.2% | 100% | $595,000 | |
Jet HomeLoans, LP
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Conventional | 1 | 0.2% | 100% | $385,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional, FHA, VA, Jumbo | 47 | 11.1% | 100% | $505,212 | View |
Rocket Mortgage
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Conventional, FHA, VA, HELOC | 39 +1 HELOCs |
9.2% | 76.9% | $277,307 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 38 | 9% | 97.6% | $537,631 | |
Pineland Bank
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Conventional, Jumbo | 15 | 3.5% | 100% | $469,000 | |
loanDepot.com LLC
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Conventional, VA, Jumbo | 12 | 2.8% | 75% | $426,666 | |
PrimeSouth Bank
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Conventional, Jumbo | 8 | 1.9% | 100% | $428,750 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 7 +6 HELOCs |
1.7% | 72.7% | $476,428 | |
Nationstar Mortgage
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Conventional, FHA | 7 | 1.7% | 87.5% | $322,142 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 6 | 1.4% | 100% | $371,666 | View |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, Jumbo | 6 | 1.4% | 100% | $481,666 | View |
Union Home Mortgage Corp.
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Conventional | 6 | 1.4% | 100% | $431,666 | |
First Port City Bank
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Conventional | 6 | 1.4% | 100% | $478,333 | |
CrossCountry Mortgage, LLC
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Conventional, HELOC | 5 +1 HELOCs |
1.2% | 83.3% | $449,000 | |
Kind Lending, LLC
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Conventional, FHA, VA | 5 | 1.2% | 83.3% | $483,000 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 5 | 1.2% | 62.5% | $461,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 4 | 0.9% | 100% | $400,000 | |
Synovus Bank
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Conventional, Jumbo, HELOC | 3 +5 HELOCs |
0.7% | 100% | $1,355,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
VA, HELOC | 3 +1 HELOCs |
0.7% | 75% | $631,666 | View |
The Loan Store, Inc
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Conventional, HELOC | 3 +1 HELOCs |
0.7% | 100% | $418,333 | |
Movement Mortgage, LLC
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Conventional, VA | 3 | 0.7% | 100% | $605,000 | |
Amerisave Mortgage Company
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Conventional | 3 | 0.7% | 60% | $198,333 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA, Jumbo | 3 | 0.7% | 100% | $528,333 | View |
Towne Mortgage Company
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Conventional | 3 | 0.7% | 100% | $511,666 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 3 | 0.7% | 100% | $465,000 | View |
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A-4.9 ★Texas Ratio: 15.86% |
Conventional | 2 | 0.5% | 100% | $360,000 | View |
Guaranteed Rate, Inc.
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Conventional, VA | 2 | 0.5% | 100% | $605,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 2 | 0.5% | 100% | $460,000 | |
Nbkc Bank
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Conventional, VA, Jumbo | 2 | 0.5% | 100% | $1,145,000 | |
Northwest Federal Credit Union
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Conventional | 2 | 0.5% | 100% | $470,000 | |
First Colony Mortgage Corporat
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Conventional, Jumbo | 2 | 0.5% | 100% | $1,080,000 | |
Cardinal Financial Company, Li
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Conventional, VA | 2 | 0.5% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 100% | $310,000 | View |
Union Capital Mortgage Corp
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Conventional | 2 | 0.5% | 100% | $655,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 0.5% | 66.7% | $620,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $425,000 | |
Fourleaf Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $555,000 | |
Goodleap, LLC
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FHA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $465,000 | |
EMM Loans LLC
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Conventional | 1 | 0.2% | 100% | $605,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,415,000 | View |
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A+5.0 ★Texas Ratio: 3.32% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,205,000 | View |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $4,005,000 | |
Tidewater Mortgage Services, Inc
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Conventional | 1 | 0.2% | 100% | $535,000 | |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.2% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,005,000 | View |
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A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.2% | 100% | $525,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
Educational Systems FCU
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Conventional | 1 | 0.2% | 100% | $605,000 | |
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A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.2% | 100% | $575,000 | View |
Everett Financial, Inc.
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VA | 1 | 0.2% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 3.43% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
Filo Mortgage, LLC
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VA | 1 | 0.2% | 100% | $705,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $405,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.2% | 100% | $345,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.2% | 100% | $385,000 | |
Assurance Financial Group, L.L.C.
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Conventional | 1 | 0.2% | 100% | $625,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
VA | 1 | 0.2% | 100% | $405,000 | View |
Network Funding, L.P.
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Conventional | 1 | 0.2% | 100% | $685,000 | |
Flexpoint, Inc.
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Conventional, Jumbo | 1 | 0.2% | 100% | $825,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.2% | 100% | $465,000 | |
First Heritage Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $445,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.2% | 100% | $595,000 | |
Thomasville National Bank
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Conventional | 1 | 0.2% | 100% | $665,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.2% | 100% | $645,000 | |
Churchill Mortgage Corporation
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VA | 1 | 0.2% | 100% | $785,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.2% | 100% | $75,000 | |
Loanpeople, LLC
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Conventional | 1 | 0.2% | 50% | $465,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $555,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.2% | 100% | $635,000 | View |
BoxCar Mortgage, LLC
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VA | 1 | 0.2% | 100% | $675,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
Milend, Inc
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Conventional | 1 | 0.2% | 100% | $445,000 | |
Mortgage Research Center
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VA | 1 | 0.2% | 25% | $365,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $305,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,045,000 | View |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.2% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.2% | 100% | $615,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $565,000 | View |
21St Mortgage
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Conventional | 1 | 0.2% | 50% | $225,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,925,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,325,000 | View |
Top Flite Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $95,000 | |
Pentagon Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Truliant Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Ussfcu
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.01% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Fernandina Beach 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 Fernandina Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Fernandina Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fernandina Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fernandina Beach, FL
Use these to narrow the list above. Each category shows how many Fernandina Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Fernandina Beach, FL
Independent mortgage companies closed 45.3 percent of home loans in Fernandina Beach, Florida in 2025, banks 44.6 percent and credit unions 10.1 percent. Freedom Mortgage Corporation was the largest mortgage company, Regions Bank the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, First Federal 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 Fernandina Beach, FL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Fernandina Beach, Florida with 17 loans, about 4 percent of the market. The largest lender headquartered in Florida was First Federal Bank with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Fernandina Beach, Florida in 2025, led by United Wholesale Mortgage with 4. 25 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.
Yes. 52 banks and 16 credit unions closed home loans in Fernandina Beach, Florida in 2025, alongside 61 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 Fernandina Beach, 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 Fernandina Beach, 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 Fernandina Beach. 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.
