Mortgage Lenders and Brokers in Freeport, 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
Freeport, Florida mortgage lenders include Regions BankRegions Bank26 E Main Street, Freeport, FL 32439A+5.0 ★Texas Ratio: 4.37%, Pnb Community BankPnb Community Bank15835 331 Business, Freeport, FL 32439A+5.0 ★Texas Ratio: 0.34%, Trustmark BankTrustmark Bank16234 Us Highway 331 S, Freeport, FL 32439A+5.0 ★Texas Ratio: 2.40%, Renasant BankRenasant Bank16542 Us Highway 331 S, Freeport, FL 32439A+5.0 ★Texas Ratio: 4.72%, Tyndall Federal Credit UnionTyndall Federal Credit Union1601 Ohio Ave, Lynn Haven, FL 32444 3746A+5.0 ★Texas Ratio: 0.96%, Eglin Federal Credit UnionEglin Federal Credit Union16970 US HIGHWAY 331 S, Freeport, FL 32439 4103A+5.0 ★Texas Ratio: 0.79%, Community Bank of MississippiCommunity Bank of Mississippi345 E James Lee Blvd, Crestview, FL 32539A+5.0 ★Texas Ratio: 3.09%, Centennial BankCentennial Bank22 Avenue E, Apalachicola, FL 32320A+5.0 ★Texas Ratio: 3.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, and Citizens Bank, NACitizens Bank, NA2222 Ponce De Leon Blvd, Coral Gables, FL 33134A+5.0 ★Texas Ratio: 5.44%. 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 Freeport, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Freeport 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 Freeport, Florida
Market share is the lender's share of all home loans closed in Freeport, 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 Freeport 26 E Main Street, Freeport, FL 32439 A+5.0 ★Texas Ratio: 4.37% |
Conventional, VA, HELOC | 13 +9 HELOCs |
1.5% | 61.5% | $296,538 | View |
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1 office in Freeport 15835 331 Business, Freeport, FL 32439 A+5.0 ★Texas Ratio: 0.34% |
Conventional | 9 | 1.1% | 83.3% | $298,333 | View |
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1 office in Freeport 16234 Us Highway 331 S, Freeport, FL 32439 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, HELOC | 7 +16 HELOCs |
0.8% | 80% | $407,857 | View |
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1 office in Freeport 16542 Us Highway 331 S, Freeport, FL 32439 A+5.0 ★Texas Ratio: 4.72% |
Conventional, Jumbo, HELOC | 4 +4 HELOCs |
0.5% | 80% | $460,000 | View |
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1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96% |
Conventional, HELOC | 9 +2 HELOCs |
1.1% | 100% | $108,333 | View |
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16970 US HIGHWAY 331 S, Freeport, FL 32439 4103 A+5.0 ★Texas Ratio: 0.79% |
Conventional | 9 | 1.1% | 100% | $199,444 | |
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345 E James Lee Blvd, Crestview, FL 32539 A+5.0 ★Texas Ratio: 3.09% |
Conventional, FHA, Jumbo | 7 | 0.8% | 88.9% | $653,571 | View |
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22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14% |
Conventional, FHA, VA | 6 | 0.7% | 85.7% | $405,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
0.6% | 83.3% | $487,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 3 +3 HELOCs |
0.4% | 75% | $655,000 | View |
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2755 E Orange Ave, Eustis, FL 32726 A+5.0 ★Texas Ratio: 1.15% |
Conventional | 3 | 0.4% | 75% | $558,333 | View |
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4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80% |
Conventional, VA | 3 | 0.4% | 75% | $441,666 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, VA | 3 | 0.4% | 100% | $198,333 | View |
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316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
Conventional, HELOC | 2 +2 HELOCs |
0.2% | 100% | $460,000 | View |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 2 +2 HELOCs |
0.2% | 66.7% | $435,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.2% | 100% | $355,000 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.2% | 40% | $495,000 | 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, Jumbo | 2 | 0.2% | 100% | $815,000 | View |
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★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $595,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
VA | 1 | 0.1% | 100% | $425,000 | View |
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2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
VA | 1 | 0.1% | 100% | $265,000 | View |
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482 E Altamonte Dr Ste 1010, Altamonte Springs, FL 32701 4604 A+5.0 ★Texas Ratio: 2.50% |
Conventional | 1 | 0.1% | 50% | $55,000 | View |
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2201 Crawfordville Hwy, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.17% |
Conventional | 1 | 0.1% | 100% | $655,000 | View |
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1912 S Highway 77, Lynn Haven, FL 32444 A+5.0 ★Texas Ratio: 1.07% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
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3835 Pga Boulevard Suite 305, Palm Beach Gardens, FL 33410 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
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1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
Conventional | 1 | 0.1% | 100% | $545,000 | View |
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402 N Waukesha ST, Bonifay, FL 32425 2014 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 1 | 0.1% | 100% | $35,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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1345 Industrial Dr, Crestview, FL 32539 8984 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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15000 Nw 140th St, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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11 Preston Cir, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.87% |
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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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Acrisure Mortgage, LLC
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Conventional, FHA, VA | 21 | 2.5% | 100% | $334,523 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA, Jumbo | 15 | 1.8% | 86.4% | $416,333 | |
Coastal Loans, LLC
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Conventional, FHA, VA | 15 | 1.8% | 100% | $430,333 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 6 | 0.7% | 50% | $353,333 | |
Lennar Mortgage, LLC
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Conventional, VA | 3 | 0.4% | 100% | $321,666 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.2% | 100% | $335,000 | View |
The Mortgage Firm
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Conventional, VA | 2 | 0.2% | 100% | $335,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA | 1 | 0.1% | 100% | $205,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $425,000 | |
New Day Financial, LLC.
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VA | 1 | 0.1% | 50% | $405,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 123 | 14.6% | 76% | $305,000 | |
DSLD Mortgage LLC
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Conventional, FHA, VA | 92 | 10.9% | 97.9% | $378,260 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 62 +3 HELOCs |
7.4% | 84.2% | $409,677 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 51 | 6.1% | 91.4% | $315,196 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo, HELOC | 48 +1 HELOCs |
5.7% | 96% | $405,208 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 15 | 1.8% | 100% | $349,666 | |
21St Mortgage
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Conventional | 15 | 1.8% | 66.7% | $164,333 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA, VA | 12 | 1.4% | 92.3% | $419,166 | View |
Movement Mortgage, LLC
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Conventional, FHA, VA | 11 | 1.3% | 100% | $438,636 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 10 +2 HELOCs |
1.2% | 64.7% | $310,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 10 | 1.2% | 71.4% | $302,000 | |
Mortgage Research Center
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VA | 10 | 1.2% | 76.9% | $389,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 10 | 1.2% | 90.9% | $386,000 | |
Waterstone Mortgage Corporation
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Conventional, FHA, VA | 8 | 1% | 88.9% | $320,000 | |
Pentagon Federal Credit Union
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Conventional, VA | 8 | 1% | 80% | $533,750 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, HELOC | 7 +1 HELOCs |
0.8% | 100% | $396,428 | View |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA | 7 | 0.8% | 53.8% | $336,428 | View |
Nfm, Inc
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Conventional, VA | 7 | 0.8% | 100% | $366,428 | |
New American Funding, LLC.
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Conventional, FHA, VA | 7 | 0.8% | 77.8% | $436,428 | |
Cadence Bank
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Conventional, FHA, HELOC | 5 +2 HELOCs |
0.6% | 71.4% | $375,000 | |
loanDepot.com LLC
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Conventional, VA | 5 | 0.6% | 71.4% | $287,000 | |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional, VA | 5 | 0.6% | 83.3% | $335,000 | View |
Assurance Financial Group, L.L.C.
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Conventional, VA, Jumbo | 5 | 0.6% | 100% | $533,000 | |
Towne Mortgage Company
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Conventional, FHA, VA | 5 | 0.6% | 100% | $481,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 5 | 0.6% | 83.3% | $251,000 | View |
Primelending
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Conventional, FHA, VA | 4 | 0.5% | 100% | $360,000 | |
Kind Lending, LLC
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Conventional, FHA | 4 | 0.5% | 80% | $367,500 | |
T2 Financial LLC
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Conventional, VA | 4 | 0.5% | 100% | $385,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 4 | 0.5% | 100% | $410,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, VA | 4 | 0.5% | 62.5% | $187,500 | View |
Village Capital & Investment
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FHA, VA | 4 | 0.5% | 60% | $342,500 | |
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A5.0 ★Texas Ratio: 6.45% |
Conventional, FHA | 3 | 0.4% | 100% | $315,000 | View |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 0.4% | 100% | $275,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 3 | 0.4% | 75% | $288,333 | |
Homeowners Financial Group, LLC
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Conventional | 3 | 0.4% | 100% | $421,666 | |
Planet Home Lending, LLC
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Conventional, VA | 3 | 0.4% | 100% | $351,666 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 3 | 0.4% | 100% | $625,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.2% | 66.7% | $315,000 | View |
Better Mortgage Corporation
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Conventional, VA, HELOC | 2 +1 HELOCs |
0.2% | 100% | $330,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.2% | 60% | $95,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
Conventional, FHA | 2 | 0.2% | 100% | $350,000 | View |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 2 | 0.2% | 100% | $410,000 | |
SWBC Mortgage Corporation
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FHA | 2 | 0.2% | 100% | $490,000 | |
Everett Financial, Inc.
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Conventional, FHA, Jumbo | 2 | 0.2% | 100% | $845,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 2 | 0.2% | 100% | $305,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.2% | 100% | $250,000 | |
Princeton Mortgage Corporation
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Conventional | 2 | 0.2% | 100% | $415,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.2% | 100% | $550,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.2% | 100% | $175,000 | |
Peoples Mortgage Company
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Conventional, VA | 2 | 0.2% | 100% | $380,000 | |
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A5.0 ★Texas Ratio: 10.95% |
Conventional | 2 | 0.2% | 100% | $295,000 | View |
Nationstar Mortgage
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Conventional | 2 | 0.2% | 50% | $70,000 | |
Lake Michigan Credit Union
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Conventional | 2 | 0.2% | 100% | $535,000 | |
Mortgage Solutions of Colorado
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FHA | 2 | 0.2% | 100% | $245,000 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +2 HELOCs |
0.1% | 100% | $585,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $315,000 | |
EMM Loans LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 9.58% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
First Community Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $615,000 | |
American Airlines Federal Cred
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Conventional | 1 | 0.1% | 100% | $805,000 | |
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A+5.0 ★Texas Ratio: 2.83% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
Fundloans Capital
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Conventional | 1 | 0.1% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
Servion
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Conventional | 1 | 0.1% | 100% | $285,000 | |
Sage Home Loans Corporation
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VA, Jumbo | 1 | 0.1% | 100% | $1,355,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.1% | 100% | $215,000 | |
BankSouth Mortgage Company LLC
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VA | 1 | 0.1% | 100% | $525,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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A+5.0 ★Texas Ratio: 2.38% |
VA | 1 | 0.1% | 100% | $345,000 | View |
Resicentral LLC
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Conventional | 1 | 0.1% | 100% | $365,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.1% | 16.7% | $225,000 | |
Fidelity Direct Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.1% | 100% | $415,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
VA | 1 | 0.1% | 100% | $325,000 | View |
MidSouth Bank
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Conventional | 1 | 0.1% | 100% | $305,000 | |
HomeXpress Mortgage Corp.
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VA | 1 | 0.1% | 100% | $355,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.1% | 50% | $115,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.1% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
VA | 1 | 0.1% | 100% | $325,000 | View |
Credit Human Federal Credit Un
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Conventional | 1 | 0.1% | 100% | $65,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.1% | 100% | $155,000 | |
ClearPath Lending
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VA | 1 | 0.1% | 100% | $395,000 | |
Union Home Mortgage Corp.
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VA | 1 | 0.1% | 100% | $435,000 | |
Midwest Mortgage Associates Corp
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Conventional | 1 | 0.1% | 100% | $555,000 | |
Legacy Bank & Trust
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Conventional | 1 | 0.1% | 100% | $415,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.1% | 100% | $455,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.1% | 25% | $395,000 | View |
First Option Mortgage, LLC
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VA | 1 | 0.1% | 50% | $715,000 | |
Atlantic Bay Mortgage Group
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VA | 1 | 0.1% | 100% | $365,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.1% | 100% | $605,000 | |
Provident Funding Associates
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Conventional | 1 | 0.1% | 100% | $205,000 | |
The Bank of Fayette County
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Conventional | 1 | 0.1% | 100% | $545,000 | |
BoxCar Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $325,000 | |
Bay Capital Mortgage Corporation
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VA | 1 | 0.1% | 100% | $565,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
Zillow Home Loans, LLC
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FHA | 1 | 0.1% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 6.55% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
Keesler Federal Credit Union
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FHA | 1 | 0.1% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 50% | $265,000 | View |
Nexera Holding LLC
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 33.3% | $95,000 | |
Reliance First Capital, LLC
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VA | 1 | 0.1% | 100% | $315,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.1% | 100% | $455,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.1% | 20% | $305,000 | |
All In Credit Union
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HELOC | 0 +14 HELOCs |
0% | 0% | ||
Fourleaf Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Synovus Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Wings Financial Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Freeport 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 Freeport, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Freeport? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Freeport in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Freeport, FL
Use these to narrow the list above. Each category shows how many Freeport, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Freeport, FL
Independent mortgage companies closed 76.8 percent of home loans in Freeport, Florida in 2025, banks 17.5 percent and credit unions 5.7 percent. Acrisure Mortgage, LLC was the largest mortgage company, Regions Bank the largest bank and Tyndall Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Pnb Community Bank led with 9 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 Freeport, FL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Freeport, Florida with 13 loans, about 1.5 percent of the market. The largest lender headquartered in Florida was Pnb Community Bank with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Freeport, Florida, DSLD Mortgage LLC approved the highest share of completed applications in 2025 at 97.9 percent, against a 83.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
47 lenders closed FHA loans in Freeport, Florida in 2025, led by DHI Mortgage Company, LTD. with 57. 57 lenders closed VA loans, led by DSLD Mortgage LLC. 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. 58 banks and 18 credit unions closed home loans in Freeport, Florida in 2025, alongside 85 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 Freeport, 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 Freeport, 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 Freeport. 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.
