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Mortgage Lenders and Brokers in Fruit Cove, Florida

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Fruit Cove, Florida mortgage lenders include VyStar Credit UnionVyStar Credit Union16201 NW US Highway 441, Alachua, FL 32615 6399A5.0 ★Texas Ratio: 9.56%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, 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%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, First Federal BankFirst Federal Bank300 N Waukesha St, Bonifay, FL 32425A+5.0 ★Texas Ratio: 1.10%, Radifi Federal Credit UnionRadifi Federal Credit Union801 Atlantic Blvd, Atlantic Beach, FL 32233, and Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%. 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 Fruit Cove, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fruit Cove 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 Fruit Cove, Florida

Market share is the lender's share of all home loans closed in Fruit Cove, 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
VyStar Credit Union 16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56%	Conventional, Jumbo, HELOC	67 +42 HELOCs	4.7%	65.4%	$229,925	View
JPMorgan Chase Bank, NA 500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo, HELOC	16 +1 HELOCs	1.1%	94.1%	$552,500	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional, VA, Jumbo	12	0.8%	85.7%	$505,833	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, Jumbo, HELOC	10 +6 HELOCs	0.7%	78.6%	$503,000	View
Bank of America NA 460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	9 +33 HELOCs	0.6%	81.8%	$381,666	View
Truist Bank ★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	9 +15 HELOCs	0.6%	100%	$837,222	View
Wells Fargo Bank NA 1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	9	0.6%	100%	$363,888	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	7	0.5%	100%	$336,428	View
Radifi Federal Credit Union 801 Atlantic Blvd, Atlantic Beach, FL 32233	Conventional, Jumbo	6	0.4%	100%	$608,333
Regions Bank 360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37%	Conventional, VA, Jumbo, HELOC	5 +6 HELOCs	0.3%	66.7%	$525,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	4 +7 HELOCs	0.3%	57.1%	$85,000	View
Renasant Bank 16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72%	Conventional, Jumbo	4	0.3%	80%	$507,500	View
First Florida Credit Union 8300 NW 53rd St, Doral, FL 33166 7710 A+5.0 ★Texas Ratio: 3.47%	Conventional	4	0.3%	66.7%	$95,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	3 +7 HELOCs	0.2%	100%	$271,666	View
Trustco Bank ★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	3 +2 HELOCs	0.2%	100%	$611,666	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, VA	3	0.2%	100%	$448,333	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	2 +13 HELOCs	0.1%	40%	$230,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	2 +9 HELOCs	0.1%	100%	$570,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$100,000	View
Climate First Bank 2755 E Orange Ave, Eustis, FL 32726 A+5.0 ★Texas Ratio: 1.15%	Conventional, Jumbo	2	0.1%	100%	$880,000	View
Fairwinds Credit Union 891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64%	Conventional	2	0.1%	100%	$590,000	View
Florida Capital Bank, N.A 241 Sw 7th Ter, Gainesville, FL 32601	Conventional, FHA	2	0.1%	100%	$365,000
Midflorida Credit Union ★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18%	Conventional	2	0.1%	50%	$140,000	View
Metro City Bank 6202 Commerce Palms Dr, Tampa, FL 33647 A+5.0 ★Texas Ratio: 3.17%	Conventional	2	0.1%	100%	$455,000	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	1 +8 HELOCs	0.1%	100%	$505,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$585,000	View
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$695,000	View
Pinnacle Bank 130 S Park Ave, Apopka, FL 32703 A+5.0 ★Texas Ratio: 3.04%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$395,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$385,000	View
Tropical Financial Credit Union 8947 W Atlantic Blvd, Coral Springs, FL 33071 A5.0 ★Texas Ratio: 6.93%	Conventional	1	0.1%	100%	$755,000	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional	1	0.1%	100%	$595,000	View
BMO Harris Bank NA 5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0.1%	100%	$345,000	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +2 HELOCs	0%	n/a		View
Florida Credit Union 10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76%	HELOC	0 +1 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	0%		View
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +1 HELOCs	0%	n/a		View
Campus USA Credit Union 14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45%	HELOC	0 +1 HELOCs	0%	n/a		View
Valley National Bank 19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +1 HELOCs	0%	n/a		View
Mattamy Home Funding LLC	Conventional, FHA, VA, USDA, Jumbo	277	19.3%	87.4%	$414,783
Community First Credit Union of FLorida A+5.0 ★Texas Ratio: 3.41%	Conventional, Jumbo, HELOC	27 +10 HELOCs	1.9%	79.4%	$198,703	View
Freedom Mortgage Corporation	Conventional, FHA, VA	20	1.4%	95.8%	$439,500
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	7	0.5%	45.2%	$336,428
Coastline Home Mortgage	Conventional	3	0.2%	100%	$265,000
Acrisure Mortgage, LLC	Conventional, VA	2	0.1%	100%	$595,000
PHH Mortgage Corporation	Conventional, VA	2	0.1%	66.7%	$300,000
Jet HomeLoans, LP	Conventional, FHA	2	0.1%	100%	$420,000
The Mortgage Firm	Conventional	2	0.1%	100%	$570,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$395,000	View
Alkan Mortgage Corporation	Conventional, Jumbo	1	0.1%	100%	$1,095,000
Marlin Mortgage Capital, LLC	FHA	1	0.1%	100%	$435,000
New Day Financial, LLC.	VA	1	0.1%	33.3%	$415,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	128 +3 HELOCs	8.9%	93.5%	$488,984
Rocket Mortgage	Conventional, FHA, VA, Jumbo	125	8.7%	87.1%	$329,560
Toll Brothers Mortgage Company	Conventional, FHA, VA, Jumbo	78	5.4%	92.2%	$515,384
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	41 +28 HELOCs	2.9%	79.6%	$303,536
Pulte Mortgage LLC	Conventional, FHA, VA, Jumbo	41	2.9%	89.1%	$498,658
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	33	2.3%	89.2%	$483,787
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA, Jumbo	25	1.7%	92.6%	$501,800	View
Mortgage Research Center	VA, Jumbo	19	1.3%	69%	$547,631
Movement Mortgage, LLC	Conventional, VA, Jumbo, HELOC	16 +2 HELOCs	1.1%	100%	$576,875
EMM Loans LLC	Conventional, FHA, VA, Jumbo	15	1%	100%	$469,666
Nationstar Mortgage	Conventional, FHA, VA	14	1%	68.2%	$195,000
Prosperity Home Mortgage, LLC	Conventional, FHA, VA, Jumbo	13	0.9%	92.9%	$501,923
Planet Home Lending, LLC	Conventional, VA, Jumbo	12	0.8%	100%	$524,166
Loanpeople, LLC	Conventional, FHA, VA, Jumbo	12	0.8%	100%	$504,166
loanDepot.com LLC	Conventional, FHA, VA, HELOC	11 +2 HELOCs	0.8%	80%	$351,363
CrossCountry Mortgage, LLC	Conventional, FHA, VA	11	0.8%	100%	$372,272
Union Home Mortgage Corp.	Conventional, FHA, VA	11	0.8%	91.7%	$336,818
New American Funding, LLC.	Conventional, FHA, VA, Jumbo	10	0.7%	100%	$512,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	9 +6 HELOCs	0.6%	100%	$462,777	View
Kind Lending, LLC	Conventional, FHA, VA	9	0.6%	75%	$530,555
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA, VA	9	0.6%	100%	$176,111	View
The Loan Store, Inc	Conventional, VA, HELOC	8 +7 HELOCs	0.6%	100%	$341,250
Everett Financial, Inc.	Conventional, FHA, VA	8	0.6%	100%	$348,750
Guild Mortgage Company	Conventional, FHA, VA	8	0.6%	100%	$442,500
Spring Eq, LLC	Conventional, HELOC	7 +6 HELOCs	0.5%	38.9%	$63,571
Guaranteed Rate, Inc.	Conventional, FHA, VA	7	0.5%	100%	$376,428
Geo-Corp, Inc.	FHA	7	0.5%	87.5%	$405,000
Cardinal Financial Company, Li	Conventional, VA	6	0.4%	100%	$391,666
Fairway Independent Mort Corp	Conventional, FHA, VA	6	0.4%	85.7%	$448,333
Paramount Residential Mortgage	Conventional, VA	6	0.4%	100%	$455,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	6	0.4%	100%	$508,333	View
Plaza Home Mortgage, Inc	Conventional, FHA	6	0.4%	85.7%	$365,000
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA, Jumbo	6	0.4%	85.7%	$456,666
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional, Jumbo	5	0.3%	100%	$845,000	View
Discover Bank	Conventional	5	0.3%	31.2%	$111,000
Provident Funding Associates	Conventional	5	0.3%	100%	$379,000
Right Start Mortgage, Inc	Conventional, VA	5	0.3%	100%	$431,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, VA	5	0.3%	37.5%	$399,000	View
Guaranteed Rate Affinity, LLC	Conventional, FHA	4	0.3%	100%	$517,500
Stg Mortgage Inc	Conventional	4	0.3%	100%	$490,000
Texana Bank	Conventional, FHA	4	0.3%	100%	$382,500
SWBC Mortgage Corporation	Conventional	3	0.2%	100%	$438,333
Sage Home Loans Corporation	Conventional, VA, Jumbo	3	0.2%	100%	$888,333
Loanunited.Com, LLC	FHA, VA	3	0.2%	100%	$355,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	3	0.2%	100%	$521,666	View
Click n' Close, Inc.	FHA, VA	3	0.2%	100%	$485,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	3	0.2%	100%	$595,000	View
Churchill Mortgage Corporation	Conventional, FHA	3	0.2%	100%	$465,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.2%	100%	$221,666	View
Towne Mortgage Company	Conventional, FHA, VA	3	0.2%	100%	$378,333
Zillow Home Loans, LLC	Conventional	3	0.2%	100%	$301,666
Mutual of Omaha Mortgage	Conventional, FHA, VA	3	0.2%	60%	$435,000
Better Mortgage Corporation	Conventional, VA, HELOC	2 +3 HELOCs	0.1%	100%	$285,000
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	100%	$640,000	View
Northwest Federal Credit Union	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$75,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	66.7%	$970,000	View
Arc Home LLC	Conventional	2	0.1%	100%	$570,000
American Financial Resources LLC	Conventional	2	0.1%	100%	$315,000
Primelending	Conventional, FHA	2	0.1%	100%	$445,000
Affordable Mortgage Advisors	Conventional	2	0.1%	100%	$470,000
Nbkc Bank	Conventional, VA	2	0.1%	100%	$650,000
Equity Prime Mortgage LLC	FHA, VA	2	0.1%	100%	$625,000
Amerisave Mortgage Company	Conventional	2	0.1%	40%	$340,000
AdvantageFirst Lending Inc	VA, Jumbo	2	0.1%	100%	$895,000
American Financial Network, Inc.	Conventional, FHA	2	0.1%	66.7%	$410,000
Network Funding, L.P.	FHA, VA	2	0.1%	100%	$490,000
Resource Financial Services, Inc.	Conventional, VA	2	0.1%	66.7%	$465,000
BoxCar Mortgage, LLC	Conventional	2	0.1%	100%	$550,000
American Pacific Mortgage Corporation	Conventional	2	0.1%	100%	$285,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	2	0.1%	100%	$395,000
Nations Direct Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$555,000
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA	2	0.1%	100%	$695,000	View
Nmsi, Inc.	Conventional, FHA	2	0.1%	100%	$385,000
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo	2	0.1%	100%	$925,000	View
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	2	0.1%	100%	$725,000
Nexera Holding LLC	Conventional, Jumbo	2	0.1%	100%	$1,445,000
Quorum Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$175,000
Digital Federal Credit Union	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$845,000
AmWest Funding Corp	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$765,000
Msa Mortgage, LLC	Conventional	1	0.1%	100%	$345,000
Atlantic Coast Mortgage, LLC	VA	1	0.1%	100%	$785,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$445,000	View
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$535,000
MortgageOne, Inc	VA	1	0.1%	100%	$785,000
ANECA Federal Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,135,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$375,000
ALCOVA Mortgage, LLC	Conventional	1	0.1%	100%	$195,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$695,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.1%	100%	$305,000
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$605,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	50%	$515,000
Resicentral LLC	Conventional	1	0.1%	100%	$425,000
Deephaven Mortgage LLC	Conventional, Jumbo	1	0.1%	100%	$835,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	100%	$275,000
Mayo Employees Federal Credit Union	Conventional	1	0.1%	100%	$715,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$245,000	View
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	50%	$495,000	View
Sfmc, LP	Conventional	1	0.1%	100%	$655,000
Advisors Mortgage Group, LLC	Conventional	1	0.1%	100%	$235,000
Sun West Mortgage Company, Inc	Conventional	1	0.1%	100%	$465,000
Absolute Home Mortgage	Conventional	1	0.1%	100%	$385,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$375,000
American Financing Corporation	VA	1	0.1%	100%	$565,000
Capital Center LLC	Conventional	1	0.1%	100%	$325,000
Embrace Home Loans, Inc.	Conventional	1	0.1%	100%	$745,000
Mortgage Equity Partners LLC	FHA	1	0.1%	100%	$405,000
Mortgage Center LC	Conventional	1	0.1%	100%	$665,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	100%	$585,000
Gardner Financial Services	FHA	1	0.1%	100%	$225,000
Waterman Bank A5.0 ★Texas Ratio: 8.69%	Conventional	1	0.1%	100%	$395,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	1	0.1%	100%	$845,000	View
Milend, Inc	FHA	1	0.1%	50%	$375,000
Paramount Bank A5.0 ★Texas Ratio: 8.70%	Conventional	1	0.1%	100%	$465,000	View
Andrews Federal Credit Union	Conventional	1	0.1%	100%	$355,000
Lake Michigan Credit Union	FHA	1	0.1%	100%	$465,000
Member First Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$885,000
Radius Financial Group Inc	Conventional	1	0.1%	100%	$275,000
Genway Home Mortgage, Inc.	FHA	1	0.1%	100%	$575,000
Keystone Funding, Inc	VA	1	0.1%	100%	$575,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$415,000
TowneBank	VA	1	0.1%	100%	$775,000
ClearEdge Lending LLC	Conventional	1	0.1%	50%	$505,000
First Port City Bank	Conventional	1	0.1%	100%	$255,000
Barwick Banking Company	Conventional	1	0.1%	100%	$415,000
Luxury Mortgage Corp.	Conventional	1	0.1%	100%	$735,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$685,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$645,000
Figure Lending LLC	HELOC	0 +12 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +9 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +6 HELOCs	0%	0%
Goodleap, LLC	HELOC	0 +3 HELOCs	0%	100%
HomeBridge Financial Services, Inc	HELOC	0 +3 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Service Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Corning Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Financial Bank A+5.0 ★Texas Ratio: 3.21%	HELOC	0 +1 HELOCs	0%	n/a		View
Geneva Financial LLC	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Fruit Cove Mortgage Rate Trends

Daily average mortgage rates for Florida compared with the national average, updated every evening.

30-Year Fixed FL Avg

7.306%

▲ 0.071 vs 7 days ago

15-Year Fixed FL Avg

6.730%

▲ 0.011 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Fruit Cove, Florida

Looking for mortgage lenders near me or mortgage brokers near me in Fruit Cove? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fruit Cove in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Fruit Cove, FL

Use these to narrow the list above. Each category shows how many Fruit Cove, FL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 114 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 49 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 29 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 50 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 62 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 40 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 27 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Fruit Cove, FL

Independent mortgage companies closed 77.3 percent of home loans in Fruit Cove, Florida in 2025, banks 11 percent and credit unions 11.8 percent. Mattamy Home Funding LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, VyStar Credit Union led with 67 loans.

77.3%

Mortgage companies

11%

Banks

11.8%

Credit unions

12%

FHA loans

18%

VA 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

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Frequently Asked Questions About Mortgage Lenders in Fruit Cove, FL

Who is the largest mortgage lender in Fruit Cove, FL?

By home loans closed in 2025, VyStar Credit Union was the largest mortgage lender in Fruit Cove, Florida with 67 loans, about 4.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Fruit Cove, FL have the highest approval rates?

Among lenders with meaningful volume in Fruit Cove, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 93.5 percent, against a 85.1 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.

Which Fruit Cove, FL mortgage lenders offer FHA, VA and USDA loans?

50 lenders closed FHA loans in Fruit Cove, Florida in 2025, led by Mattamy Home Funding LLC with 64. 62 lenders closed VA loans, led by Mattamy Home Funding LLC, and 2 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.

Are credit unions and local banks included in this Fruit Cove, FL lender list?

Yes. 49 banks and 29 credit unions closed home loans in Fruit Cove, Florida in 2025, alongside 114 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.

How are mortgage lenders in Fruit Cove, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Fruit Cove, 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 Fruit Cove, 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 Fruit Cove. 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.