Mortgage Lenders and Brokers in Fort Walton 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
Fort Walton Beach, Florida mortgage lenders include Eglin Federal Credit UnionEglin Federal Credit Union70 READY AVE NW UNIT 4, Fort Walton Beach, FL 32548A+5.0 ★Texas Ratio: 0.79%, Regions BankRegions Bank25 Beal Pkwy Ne, Fort Walton Beach, FL 32548A+5.0 ★Texas Ratio: 4.37%, Servisfirst BankServisfirst Bank316 Racetrack Rd Ne, Fort Walton Beach, FL 32547A5.0 ★Texas Ratio: 8.75%, Community Bank of MississippiCommunity Bank of Mississippi448 Eglin Pkwy Ne, Fort Walton Beach, FL 32547A+5.0 ★Texas Ratio: 3.09%, Wells Fargo Bank NAWells Fargo Bank NA91 Racetrack Rd Nw, Fort Walton Beach, FL 32547A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank99 Racetrack Rd Nw, Fort Walton Beach, FL 32547A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA189 Eglin Pkwy Ne, Fort Walton Beach, FL 32548A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.198 Eglin Pkwy Ne, Fort Walton Beach, FL 32548A+5.0 ★Texas Ratio: 4.24%, Hancock Whitney BankHancock Whitney Bank94 Eglin Pkwy Ne, Fort Walton Beach, FL 32548A+5.0 ★Texas Ratio: 3.41%, and Renasant BankRenasant Bank17 Eglin Pkwy Se, Fort Walton Beach, FL 32548A+5.0 ★Texas Ratio: 4.72%. 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 Fort Walton Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fort Walton 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 Fort Walton Beach, Florida
Market share is the lender's share of all home loans closed in Fort Walton 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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70 READY AVE NW UNIT 4, Fort Walton Beach, FL 32548 A+5.0 ★Texas Ratio: 0.79% |
Conventional | 16 | 5% | 84.2% | $124,375 | |
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1 office in Fort Walton Beach 25 Beal Pkwy Ne, Fort Walton Beach, FL 32548 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 4 +6 HELOCs |
1.2% | 62.5% | $142,500 | View |
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1 office in Fort Walton Beach 316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
Conventional, FHA, HELOC | 3 +2 HELOCs |
0.9% | 100% | $355,000 | View |
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1 office in Fort Walton Beach 448 Eglin Pkwy Ne, Fort Walton Beach, FL 32547 A+5.0 ★Texas Ratio: 3.09% |
Conventional, HELOC | 2 +2 HELOCs |
0.6% | 100% | $210,000 | View |
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1 office in Fort Walton Beach 91 Racetrack Rd Nw, Fort Walton Beach, FL 32547 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.3% | 100% | $195,000 | View |
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★ 1 stars, 1 review 1 office in Fort Walton Beach 99 Racetrack Rd Nw, Fort Walton Beach, FL 32547 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.3% | 50% | $245,000 | View |
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1 office in Fort Walton Beach 189 Eglin Pkwy Ne, Fort Walton Beach, FL 32548 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 1 office in Fort Walton Beach 198 Eglin Pkwy Ne, Fort Walton Beach, FL 32548 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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★ 4 stars, 3 reviews 1 office in Fort Walton Beach 94 Eglin Pkwy Ne, Fort Walton Beach, FL 32548 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1 office in Fort Walton Beach 17 Eglin Pkwy Se, Fort Walton Beach, FL 32548 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage One of the South, Inc
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Conventional, FHA | 2 | 0.6% | 100% | $155,000 | |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
VA | 2 | 0.6% | 100% | $400,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
VA, HELOC | 1 +2 HELOCs |
0.3% | 100% | $125,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
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2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 1 | 0.3% | 100% | $35,000 | View |
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34990 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 1.74% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,065,000 | 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% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
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4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional | 1 | 0.3% | 100% | $35,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.3% | 100% | $605,000 | View |
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993 Us Highway 31 South, Defuniak Springs, FL 32435 A+5.0 ★Texas Ratio: 2.40% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 5 | 1.5% | 87.5% | $283,000 | |
Lakeview Loan Servicing, LLC
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FHA, VA | 2 | 0.6% | 28.6% | $385,000 | |
New Day Financial, LLC.
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VA | 2 | 0.6% | 66.7% | $145,000 | |
Acrisure Mortgage, LLC
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VA | 1 | 0.3% | 100% | $275,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 36 | 11.1% | 76.6% | $375,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 36 | 11.1% | 90.7% | $256,944 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 21 | 6.5% | 96.2% | $381,190 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 18 +1 HELOCs |
5.6% | 94.7% | $289,444 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA | 15 | 4.6% | 83.3% | $281,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 13 +3 HELOCs |
4% | 68.4% | $282,692 | |
Mortgage Research Center
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VA | 13 | 4% | 81.2% | $319,615 | |
Pennymac Loan Services LLC
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Conventional, VA | 10 | 3.1% | 78.6% | $211,000 | |
Waterstone Mortgage Corporation
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Conventional, FHA, VA | 10 | 3.1% | 84.6% | $365,000 | |
Primelending
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Conventional, FHA, VA | 9 | 2.8% | 100% | $360,555 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA, VA | 9 | 2.8% | 100% | $303,888 | View |
New American Funding, LLC.
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Conventional, VA, HELOC | 4 +1 HELOCs |
1.2% | 66.7% | $407,500 | |
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A5.0 ★Texas Ratio: 6.45% |
Conventional, FHA, VA | 4 | 1.2% | 100% | $405,000 | View |
Guild Mortgage Company
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Conventional, VA | 4 | 1.2% | 100% | $305,000 | |
Nbkc Bank
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Conventional, VA | 3 | 0.9% | 100% | $401,666 | |
Loanunited.Com, LLC
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VA | 3 | 0.9% | 75% | $418,333 | |
Nationstar Mortgage
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Conventional, VA | 3 | 0.9% | 100% | $175,000 | |
Mortgage Solutions of Colorado
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Conventional, FHA | 3 | 0.9% | 100% | $365,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 3 | 0.9% | 100% | $195,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.6% | 66.7% | $275,000 | |
Kind Lending, LLC
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Conventional | 2 | 0.6% | 100% | $235,000 | |
loanDepot.com LLC
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Conventional, VA | 2 | 0.6% | 66.7% | $130,000 | |
AdvantageFirst Lending Inc
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VA | 2 | 0.6% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, VA | 2 | 0.6% | 100% | $205,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, VA | 2 | 0.6% | 100% | $220,000 | View |
Union Home Mortgage Corp.
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FHA, VA | 2 | 0.6% | 100% | $265,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.6% | 40% | $605,000 | View |
Premier Lending Inc.
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VA | 2 | 0.6% | 100% | $505,000 | |
Planet Home Lending, LLC
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VA | 2 | 0.6% | 100% | $535,000 | |
American Pacific Mortgage Corporation
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Conventional, VA | 2 | 0.6% | 100% | $570,000 | |
Mutual of Omaha Mortgage
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FHA, VA | 2 | 0.6% | 66.7% | $375,000 | |
Paramount Residential Mortgage
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Conventional, VA | 2 | 0.6% | 100% | $410,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, VA | 2 | 0.6% | 50% | $265,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional, VA | 2 | 0.6% | 100% | $315,000 | |
Pentagon Federal Credit Union
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VA, HELOC | 1 +2 HELOCs |
0.3% | 100% | $725,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $535,000 | View |
Guaranteed Rate, Inc.
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VA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $395,000 | |
Guaranteed Rate Affinity, LLC
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FHA | 1 | 0.3% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 5.16% |
Conventional | 1 | 0.3% | 100% | $345,000 | View |
American Financial Resources LLC
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VA | 1 | 0.3% | 100% | $205,000 | |
Msa Mortgage, LLC
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VA | 1 | 0.3% | 100% | $285,000 | |
Gold Star Mortgage Financial Group, Corporation
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VA | 1 | 0.3% | 100% | $615,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.3% | 100% | $335,000 | View |
Canopy Mortgage, LLC
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VA | 1 | 0.3% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
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A5.0 ★Texas Ratio: 6.69% |
VA | 1 | 0.3% | 100% | $405,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $405,000 | View |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.3% | 100% | $255,000 | |
City 1st Mortgage Services, LC
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VA | 1 | 0.3% | 100% | $715,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 50% | $255,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.3% | 100% | $375,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Nfm, Inc
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FHA | 1 | 0.3% | 100% | $405,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.3% | 50% | $505,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 7.51% |
VA | 1 | 0.3% | 100% | $625,000 | View |
The Loan Store, Inc
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Conventional | 1 | 0.3% | 100% | $415,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.3% | 100% | $265,000 | |
Goprime Mortgage, Inc.
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VA | 1 | 0.3% | 100% | $295,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Cadence Bank
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Synovus Bank
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Fort Walton 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 Fort Walton Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Fort Walton Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fort Walton Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fort Walton Beach, FL
Use these to narrow the list above. Each category shows how many Fort Walton Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Fort Walton Beach, FL
Independent mortgage companies closed 69 percent of home loans in Fort Walton Beach, Florida in 2025, banks 20.7 percent and credit unions 10.2 percent. Freedom Mortgage Corporation was the largest mortgage company, Regions Bank the largest bank and Eglin Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Eglin Federal Credit Union led with 16 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 Fort Walton Beach, FL
By home loans closed in 2025, Eglin Federal Credit Union was the largest mortgage lender in Fort Walton Beach, Florida with 16 loans, about 5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
22 lenders closed FHA loans in Fort Walton Beach, Florida in 2025, led by Rocket Mortgage with 8. 50 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. 35 banks and 6 credit unions closed home loans in Fort Walton Beach, Florida in 2025, alongside 51 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 Fort Walton 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 Fort Walton 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 Fort Walton 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.
