Mortgage Lenders and Brokers in Flagler Beach, 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
Flagler Beach, Florida mortgage lenders include Truist BankTruist Bank2410 Moody Blvd, Flagler Beach, FL 32136A+5.0 ★Texas Ratio: 2.87%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, VyStar Credit UnionVyStar Credit Union16201 NW US Highway 441, Alachua, FL 32615 6399A5.0 ★Texas Ratio: 9.56%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, Trustco BankTrustco Bank909 West State Rd 434, Altamonte Springs, FL 32714A+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%, Campus USA Credit UnionCampus USA Credit Union14759 NW 157th Ln, Alachua, FL 32615A+5.0 ★Texas Ratio: 2.45%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, and Commerce BankCommerce Bank10010 Coconut Rd, Bonita Springs, FL 34135A+5.0 ★Texas Ratio: 0.89%. 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 Flagler Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Flagler 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 Flagler Beach, Florida
Market share is the lender's share of all home loans closed in Flagler 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 |
|---|---|---|---|---|---|---|
|
★ 1 stars, 1 review 1 office in Flagler Beach 2410 Moody Blvd, Flagler Beach, FL 32136 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +4 HELOCs |
1.4% | 100% | $255,000 | View |
|
360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo | 11 | 7.7% | 100% | $854,090 | View |
|
16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, Jumbo, HELOC | 4 +2 HELOCs |
2.8% | 100% | $682,500 | View |
|
★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, HELOC | 4 +1 HELOCs |
2.8% | 80% | $305,000 | View |
|
★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 3 +2 HELOCs |
2.1% | 60% | $108,333 | View |
|
★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +2 HELOCs |
1.4% | 66.7% | $625,000 | View |
|
500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.4% | 66.7% | $450,000 | View |
|
14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $345,000 | View |
|
9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 1 | 0.7% | 33.3% | $1,215,000 | View |
|
10010 Coconut Rd, Bonita Springs, FL 34135 A+5.0 ★Texas Ratio: 0.89% |
Conventional, Jumbo | 1 | 0.7% | 100% | $925,000 | View |
|
300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.7% | 100% | $425,000 | View |
|
1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.7% | 100% | $625,000 | View |
|
14640 Hanger Rd, Cape Canaveral, FL 32920 A5.0 ★Texas Ratio: 7.61% |
Conventional | 1 | 0.7% | 100% | $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 +5 HELOCs |
0% | n/a | View | |
|
2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
|
891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.7% | 100% | $345,000 | View |
The Mortgage Firm
|
Conventional | 1 | 0.7% | 100% | $245,000 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo | 25 | 17.5% | 96.2% | $494,600 | |
Rocket Mortgage
|
Conventional, VA, HELOC | 18 +1 HELOCs |
12.6% | 100% | $242,222 | |
DHI Mortgage Company, LTD.
|
Conventional, FHA, VA | 8 | 5.6% | 80% | $358,750 | |
Mortgage Research Center
|
VA, Jumbo | 4 | 2.8% | 100% | $840,000 | |
New American Funding, LLC.
|
Conventional, FHA, VA | 4 | 2.8% | 100% | $297,500 | |
|
A5.0 ★Texas Ratio: 8.10% |
Conventional, VA | 3 | 2.1% | 60% | $485,000 | View |
The Loan Store, Inc
|
Conventional | 3 | 2.1% | 100% | $331,666 | |
American Financial Resources LLC
|
Conventional, VA | 2 | 1.4% | 100% | $335,000 | |
Everett Financial, Inc.
|
Conventional, VA | 2 | 1.4% | 100% | $515,000 | |
Movement Mortgage, LLC
|
Conventional | 2 | 1.4% | 100% | $530,000 | |
Nationstar Mortgage
|
Conventional, VA | 2 | 1.4% | 100% | $340,000 | |
Barwick Banking Company
|
Conventional | 2 | 1.4% | 100% | $670,000 | |
Fairway Independent Mort Corp
|
Conventional | 2 | 1.4% | 100% | $210,000 | |
loanDepot.com LLC
|
FHA, HELOC | 1 +1 HELOCs |
0.7% | 33.3% | $275,000 | |
Dart Bank
|
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $805,000 | |
|
A+5.0 ★Texas Ratio: 2.02% |
VA, Jumbo, HELOC | 1 +1 HELOCs |
0.7% | 100% | $875,000 | View |
First Community Mortgage, Inc.
|
Conventional | 1 | 0.7% | 100% | $435,000 | |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
Conventional | 1 | 0.7% | 100% | $165,000 | View |
Primelending
|
Conventional | 1 | 0.7% | 100% | $175,000 | |
RMC Home Mortgage, LLC
|
VA | 1 | 0.7% | 100% | $425,000 | |
ALCOVA Mortgage, LLC
|
Conventional | 1 | 0.7% | 100% | $225,000 | |
CrossCountry Mortgage, LLC
|
VA | 1 | 0.7% | 100% | $135,000 | |
Resicentral LLC
|
Conventional | 1 | 0.7% | 100% | $445,000 | |
Pennymac Loan Services LLC
|
Conventional | 1 | 0.7% | 100% | $345,000 | |
Amerisave Mortgage Company
|
Conventional | 1 | 0.7% | 33.3% | $95,000 | |
Guild Mortgage Company
|
Conventional | 1 | 0.7% | 100% | $505,000 | |
Delta Community Credit Union
|
Conventional | 1 | 0.7% | 100% | $305,000 | |
Stg Mortgage Inc
|
Conventional | 1 | 0.7% | 100% | $375,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.7% | 100% | $345,000 | View |
Churchill Mortgage Corporation
|
Conventional | 1 | 0.7% | 100% | $285,000 | |
Teachers Federal Credit Union
|
Conventional | 1 | 0.7% | 100% | $255,000 | |
Synovus Bank
|
Conventional | 1 | 0.7% | 100% | $325,000 | |
Saygo Home Loans, LLC
|
VA | 1 | 0.7% | 100% | $425,000 | |
Lake Michigan Credit Union
|
Conventional, Jumbo | 1 | 0.7% | 100% | $1,505,000 | |
Pentagon Federal Credit Union
|
VA | 1 | 0.7% | 50% | $735,000 | |
Wings Financial Credit Union
|
Conventional | 1 | 0.7% | 100% | $655,000 | |
|
A+5.0 ★Texas Ratio: 4.52% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
Zillow Home Loans, LLC
|
Conventional | 1 | 0.7% | 100% | $205,000 | |
Prosperity Home Mortgage, LLC
|
Conventional | 1 | 0.7% | 100% | $315,000 | |
Nationwide Mortgage Bankers, Inc.
|
Conventional | 1 | 0.7% | 100% | $425,000 | |
Mld Mortgage, Inc.Dba the Money Store
|
Conventional | 1 | 0.7% | 100% | $525,000 | |
21St Mortgage
|
Conventional | 1 | 0.7% | 50% | $85,000 | |
|
A+5.0 ★Texas Ratio: 0.00% |
FHA | 1 | 0.7% | 50% | $205,000 | View |
|
A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +3 HELOCs |
0% | 0% | ||
Coastal Community Bank
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
|
HELOC | 0 +1 HELOCs |
0% | 0% |
Flagler 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 Flagler Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Flagler Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Flagler Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Flagler Beach, FL
Use these to narrow the list above. Each category shows how many Flagler Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Flagler Beach, FL
Independent mortgage companies closed 66.4 percent of home loans in Flagler Beach, Florida in 2025, banks 25.2 percent and credit unions 8.4 percent. A&D Mortgage LLC 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 4 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 Flagler Beach, FL
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Flagler Beach, Florida with 2 loans, about 1.4 percent of the market. The largest lender headquartered in Florida was VyStar Credit Union with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Flagler Beach, Florida in 2025, led by United Wholesale Mortgage with 3. 15 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. 21 banks and 12 credit unions closed home loans in Flagler Beach, Florida in 2025, alongside 35 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 Flagler 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 Flagler 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 Flagler 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.
