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Mortgage Lenders and Brokers in Gainesville, Florida

Content reviewed by

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

Gainesville, Florida mortgage lenders include Campus USA Credit UnionCampus USA Credit Union1200 SW 5th Ave, Gainesville, FL 32601A+5.0 ★Texas Ratio: 2.45%, Ameris BankAmeris Bank305 NW 75th Street Tower Center Shopping Center, Gainesville, FL 32607A+5.0 ★Texas Ratio: 1.82%, Florida Credit UnionFlorida Credit Union1615 NW 80th Blvd, Gainesville, FL 32606A+5.0 ★Texas Ratio: 4.76%, Southstate Bank, National AssociationSouthstate Bank, National Association3535 Sw 34th St, Gainesville, FL 32608A+5.0 ★Texas Ratio: 2.27%, Truist BankTruist Bank411 N Main St, Gainesville, FL 32601A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.1140 N Main St, Gainesville, FL 32601A+5.0 ★Texas Ratio: 4.24%, TD BankTD Bank600 Nw 43rd St, Gainesville, FL 32607A+5.0 ★Texas Ratio: 3.71%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1340 W University Ave, Gainesville, FL 32603A+5.0 ★Texas Ratio: 3.68%, Fifth Third Bank, National AssociationFifth Third Bank, National Association254 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.22%, and Regions BankRegions Bank3710 Sw 38th St, Gainesville, FL 32608A+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 Gainesville, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gainesville 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 Gainesville, Florida

Market share is the lender's share of all home loans closed in Gainesville, 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
Campus USA Credit Union 1200 SW 5th Ave, Gainesville, FL 32601 A+5.0 ★Texas Ratio: 2.45%	Conventional, HELOC	140 +26 HELOCs	9.6%	95.9%	$158,928	View
Ameris Bank ★ 4 stars, 1 review 4 offices in Gainesville 305 NW 75th Street Tower Center Shopping Center, Gainesville, FL 32607 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA, VA, HELOC	48 +4 HELOCs	3.3%	94.1%	$278,541	View
Florida Credit Union 1615 NW 80th Blvd, Gainesville, FL 32606 A+5.0 ★Texas Ratio: 4.76%	Conventional, HELOC	22 +57 HELOCs	1.5%	40%	$203,181	View
Southstate Bank, National Association ★ 5 stars, 1 review 2 offices in Gainesville 3535 Sw 34th St, Gainesville, FL 32608 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, HELOC	19 +7 HELOCs	1.3%	79.2%	$348,157	View
Truist Bank ★ 1 stars, 1 review 4 offices in Gainesville 411 N Main St, Gainesville, FL 32601 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	15 +5 HELOCs	1%	88.2%	$334,333	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3 offices in Gainesville 1140 N Main St, Gainesville, FL 32601 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	14 +19 HELOCs	1%	82.4%	$301,428	View
TD Bank 1 office in Gainesville 600 Nw 43rd St, Gainesville, FL 32607 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	13 +8 HELOCs	0.9%	81.2%	$355,000	View
JPMorgan Chase Bank, NA 5 offices in Gainesville 1340 W University Ave, Gainesville, FL 32603 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	9 +4 HELOCs	0.6%	75%	$172,777	View
Fifth Third Bank, National Association 2 offices in Gainesville 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	7 +2 HELOCs	0.5%	100%	$280,714	View
Regions Bank 1 office in Gainesville 3710 Sw 38th St, Gainesville, FL 32608 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	7 +1 HELOCs	0.5%	44.4%	$286,428	View
Wells Fargo Bank NA 5 offices in Gainesville 2605 Sw 91st St, Gainesville, FL 32608 A+5.0 ★Texas Ratio: 5.36%	Conventional	7	0.5%	58.3%	$176,428	View
Bank of America NA 5 offices in Gainesville 2815 Nw 13th St, Gainesville, FL 32609 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	6 +15 HELOCs	0.4%	60%	$273,333	View
First Federal Bank 2 offices in Gainesville 4200 Sw 34th St, Gainesville, FL 32608 A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA, VA	5	0.3%	100%	$325,000	View
Radiant Credit Union 405 SE 2nd PL, Gainesville, FL 32601 6808 A+5.0 ★Texas Ratio: 3.03%	Conventional, HELOC	4 +38 HELOCs	0.3%	53.3%	$267,500	View
Renasant Bank 1 office in Gainesville 4373 Newberry Rd, Gainesville, FL 32607 A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$481,666	View
Capital City Bank 4 offices in Gainesville 1417 N Main St, Gainesville, FL 32601 A+5.0 ★Texas Ratio: 2.55%	HELOC	0 +7 HELOCs	0%	n/a		View
Seacoast National Bank ★ 5 stars, 1 review 1 office in Gainesville 3833 Sw 37th Blvd, Gainesville, FL 32608 A+5.0 ★Texas Ratio: 2.72%	HELOC	0 +1 HELOCs	0%	0%		View
VyStar Credit Union 5023 NW 8th Ave, Gainesville, FL 32605 A5.0 ★Texas Ratio: 9.56%	Conventional, FHA, HELOC	9 +5 HELOCs	0.6%	52.6%	$126,111	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	8 +3 HELOCs	0.6%	100%	$305,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	7 +1 HELOCs	0.5%	63.6%	$319,285	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	5	0.3%	36.8%	$63,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	3	0.2%	60%	$298,333	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%	75%	$210,000	View
Midflorida Credit Union ★ 1 stars, 1 review 6120 NW 1st Pl, Gainesville, FL 32607 A+5.0 ★Texas Ratio: 3.18%	Conventional, HELOC	2 +2 HELOCs	0.1%	14.3%	$135,000	View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$245,000	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0.1%	100%	$495,000	View
Servisfirst Bank 316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75%	FHA	1	0.1%	100%	$485,000	View
Crews Bank & Trust 400 N Brevard Ave, Arcadia, FL 34266 A+5.0 ★Texas Ratio: 0.31%	Conventional	1	0.1%	100%	$225,000	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41%	Conventional	1	0.1%	100%	$345,000	View
Keybank National Association 12830 University Dr, Fort Myers, FL 33907 A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$275,000	View
Achieva Credit Union 4254 53rd Ave E, Bradenton, FL 34203 A+5.0 ★Texas Ratio: 2.57%	Conventional	1	0.1%	100%	$635,000	View
Addition Financial Credit Union 847 S Orange Blossom Trl, Apopka, FL 32703 A5.0 ★Texas Ratio: 6.85%	Conventional	1	0.1%	50%	$45,000	View
Usf Credit Union 16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0.1%	100%	$255,000	View
Fairwinds Credit Union 891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64%	Conventional	1	0.1%	100%	$765,000	View
Cogent Bank 1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54%	Conventional	1	0.1%	100%	$175,000	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%	$165,000	View
Mainstreet Community Bank of Florida 1515 E Highway 50, Clermont, FL 34711 A-5.0 ★Texas Ratio: 14.27%	Conventional	1	0.1%	100%	$265,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +2 HELOCs	0%	n/a		View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +2 HELOCs	0%	0%		View
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +1 HELOCs	0%	n/a		View
Mortgage Lenders Investment Tr	Conventional, FHA, VA	40	2.8%	95.5%	$300,000
The Mortgage Firm	Conventional, FHA	19	1.3%	90.5%	$239,736
Freedom Mortgage Corporation	FHA, VA	11	0.8%	61.9%	$211,363
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	10	0.7%	57.9%	$179,000
Acrisure Mortgage, LLC	Conventional, FHA, VA	9	0.6%	69.2%	$257,222
Lennar Mortgage, LLC	Conventional, FHA	8	0.6%	66.7%	$200,000
New Day Financial, LLC.	VA	6	0.4%	50%	$260,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.3%	80%	$527,500	View
Community First Credit Union of FLorida A+5.0 ★Texas Ratio: 3.41%	Conventional, HELOC	3 +1 HELOCs	0.2%	75%	$205,000	View
PHH Mortgage Corporation	FHA, VA	3	0.2%	100%	$215,000
Mortgage Financial Group Inc	Conventional, USDA	3	0.2%	100%	$201,666
Reliable Holdings Manager dba Lendz Financial	Conventional	2	0.1%	66.7%	$325,000
Americas Mortgage Professionals, LLC	VA	1	0.1%	50%	$215,000
Obsidian Financial Services	Conventional	1	0.1%	100%	$185,000
Builders Choice Mortgage LLC	Conventional	1	0.1%	100%	$155,000
Home Financing Center, Inc.	Conventional	1	0.1%	100%	$95,000
Rocket Mortgage	Conventional, FHA, VA	113	7.8%	81.8%	$196,150
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	77 +2 HELOCs	5.3%	78.2%	$241,233
American Financial Network, Inc.	Conventional, FHA, VA	50	3.4%	96.2%	$239,000
Affordable Mortgage Advisors	Conventional, FHA, VA, USDA	49	3.4%	96.1%	$233,163
Advisors Mortgage Group, LLC	Conventional, FHA, VA	49	3.4%	94.2%	$316,224
DHI Mortgage Company, LTD.	Conventional, FHA, VA	48	3.3%	87.3%	$370,208
Everett Financial, Inc.	Conventional, FHA, VA, USDA	33	2.3%	97.1%	$123,787
Pennymac Loan Services LLC	Conventional, FHA, VA	29	2%	81.1%	$189,827
21St Mortgage	Conventional	28	1.9%	20.3%	$61,428
Mortgage Research Center	VA	26	1.8%	87.1%	$270,384
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	22 +4 HELOCs	1.5%	66.7%	$262,727
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	22 +1 HELOCs	1.5%	88.5%	$247,272
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	21 +2 HELOCs	1.4%	100%	$218,333
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	18 +2 HELOCs	1.2%	94.7%	$236,666
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	17	1.2%	54.5%	$188,529	View
New American Funding, LLC.	Conventional, FHA, VA, HELOC	16 +1 HELOCs	1.1%	76.2%	$201,250
Nationstar Mortgage	Conventional, FHA, VA	16	1.1%	84.2%	$162,500
Zillow Home Loans, LLC	Conventional, FHA	16	1.1%	94.1%	$241,875
Zippy Loans, LLC	Conventional	15	1%	40.5%	$47,666
loanDepot.com LLC	Conventional, FHA, VA, HELOC	14 +2 HELOCs	1%	65.2%	$179,285
Nfm, Inc	Conventional, FHA, Jumbo	14	1%	93.3%	$387,142
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA	14	1%	100%	$253,571	View
Evergreen Moneysource Mortgage Company	Conventional, FHA, VA	10	0.7%	100%	$294,000
Amerisave Mortgage Company	Conventional, FHA, VA	9	0.6%	42.9%	$170,555
Mutual of Omaha Mortgage	Conventional, FHA, VA	8	0.6%	88.9%	$256,250
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	8	0.6%	80%	$202,500	View
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	7 +1 HELOCs	0.5%	100%	$249,285
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	6	0.4%	100%	$151,666
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional	6	0.4%	100%	$290,000	View
Prosperity Home Mortgage, LLC	Conventional, FHA	6	0.4%	75%	$355,000
American Financial Resources LLC	Conventional, FHA	5	0.3%	71.4%	$189,000
Planet Home Lending, LLC	Conventional, FHA	5	0.3%	83.3%	$303,000
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional	5	0.3%	100%	$437,000	View
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	5	0.3%	42.9%	$245,000	View
Leaderone Financial Corp.	Conventional, VA	5	0.3%	83.3%	$161,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, USDA	4	0.3%	80%	$150,000	View
Discover Bank	Conventional	4	0.3%	26.7%	$135,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.3%	66.7%	$287,500	View
Waterstone Mortgage Corporation	Conventional, FHA	4	0.3%	100%	$147,500
American Pacific Mortgage Corporation	Conventional, FHA	4	0.3%	100%	$172,500
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	4	0.3%	100%	$352,500	View
Tomo Mortgage LLC	Conventional	4	0.3%	100%	$352,500
JMAC Lending, Inc.	Conventional, FHA	4	0.3%	100%	$175,000
Spring Eq, LLC	Conventional, HELOC	3 +1 HELOCs	0.2%	33.3%	$85,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	3	0.2%	100%	$155,000	View
Kind Lending, LLC	Conventional, FHA	3	0.2%	75%	$308,333
Guidance Residential, LLC	Conventional	3	0.2%	100%	$271,666
Loanunited.Com, LLC	Conventional, FHA, VA	3	0.2%	100%	$208,333
Filo Mortgage, LLC	Conventional, FHA	3	0.2%	75%	$228,333
Resicentral LLC	Conventional, FHA	3	0.2%	100%	$255,000
Cardinal Financial Company, Li	Conventional	3	0.2%	80%	$235,000
Better Mortgage Corporation	Conventional	3	0.2%	75%	$328,333
Village Capital & Investment	FHA, VA	3	0.2%	83.3%	$268,333
Guaranteed Rate Affinity, LLC	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$315,000
The Loan Store, Inc	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$145,000
Primelending	Conventional	2	0.1%	100%	$305,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	2	0.1%	100%	$170,000	View
Nbkc Bank	Conventional, VA	2	0.1%	66.7%	$305,000
Equity Prime Mortgage LLC	FHA, VA	2	0.1%	60%	$225,000
AmeriHome Mortgage Company, LLC	FHA	2	0.1%	100%	$350,000
Deephaven Mortgage LLC	Conventional	2	0.1%	66.7%	$135,000
AdvantageFirst Lending Inc	VA	2	0.1%	100%	$345,000
AmWest Funding Corp	Conventional	2	0.1%	100%	$325,000
Absolute Home Mortgage	Conventional, FHA	2	0.1%	100%	$365,000
Click n' Close, Inc.	Conventional, FHA	2	0.1%	100%	$75,000
Geneva Financial LLC	Conventional, FHA	2	0.1%	66.7%	$175,000
T2 Financial LLC	Conventional, FHA	2	0.1%	75%	$185,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	2	0.1%	66.7%	$330,000
Milend, Inc	FHA, VA	2	0.1%	100%	$365,000
Lake Michigan Credit Union	Conventional	2	0.1%	100%	$320,000
Mission Loans, LLC	Conventional	2	0.1%	100%	$135,000
Nationwide Mortgage Bankers, Inc.	Conventional, FHA	2	0.1%	100%	$175,000
Southwest Stage Funding LLC	Conventional, FHA	2	0.1%	100%	$130,000
Fairway Independent Mort Corp	Conventional, FHA	2	0.1%	100%	$250,000
Paramount Residential Mortgage	Conventional, FHA	2	0.1%	66.7%	$195,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA, VA	2	0.1%	50%	$190,000	View
Champions Funding, LLC	Conventional	2	0.1%	100%	$190,000
Goodleap, LLC	VA, HELOC	1 +3 HELOCs	0.1%	66.7%	$285,000
Valon Mortgage	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$195,000
Pentagon Federal Credit Union	VA, HELOC	1 +1 HELOCs	0.1%	100%	$325,000
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$255,000
Bank of England A5.0 ★Texas Ratio: 6.45%	Conventional	1	0.1%	100%	$405,000	View
Cadence Bank	Conventional	1	0.1%	100%	$295,000
Genisys Credit Union	Conventional	1	0.1%	100%	$85,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	FHA	1	0.1%	100%	$395,000	View
First Community Mortgage, Inc.	Conventional	1	0.1%	100%	$395,000
Servion	Conventional	1	0.1%	100%	$175,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$265,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$275,000	View
Advancial Federal Credit Union	Conventional	1	0.1%	100%	$185,000
United Trust Bank	FHA	1	0.1%	50%	$215,000
Guild Mortgage Company	Conventional	1	0.1%	100%	$305,000
Shelter Home Mortgage, LLC	Conventional	1	0.1%	100%	$225,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	100%	$275,000	View
Valley West Corporation	Conventional	1	0.1%	100%	$195,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$175,000	View
NJ Lenders Corp	FHA	1	0.1%	50%	$225,000
Success Mortgage Partners, Inc	VA	1	0.1%	100%	$255,000
Sun West Mortgage Company, Inc	FHA	1	0.1%	100%	$165,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$165,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0.1%	100%	$235,000	View
American Security Mortgage Cor	Conventional	1	0.1%	100%	$245,000
Flexpoint, Inc.	FHA	1	0.1%	100%	$315,000
American Financing Corporation	Conventional	1	0.1%	25%	$175,000
Mid-Continent Funding, Inc.	VA	1	0.1%	50%	$325,000
Calcon Mutual Mortgage LLC	FHA	1	0.1%	100%	$345,000
Minnwest Bank A+5.0 ★Texas Ratio: 5.77%	Conventional	1	0.1%	100%	$285,000	View
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$275,000	View
1st Financial, Inc.	Conventional	1	0.1%	100%	$215,000
Provident Funding Associates	Conventional	1	0.1%	100%	$295,000
Mortgage Equity Partners LLC	Conventional	1	0.1%	100%	$155,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$205,000	View
BoxCar Mortgage, LLC	Conventional	1	0.1%	50%	$135,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	50%	$185,000
Wolfe Financial Inc	Conventional	1	0.1%	100%	$135,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$255,000	View
Member First Mortgage, LLC	FHA	1	0.1%	100%	$245,000
Towne Mortgage Company	VA	1	0.1%	50%	$205,000
University Bank A+5.0 ★Texas Ratio: 3.82%	FHA	1	0.1%	100%	$185,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$355,000	View
Firstbank A5.0 ★Texas Ratio: 7.51%	Conventional	1	0.1%	100%	$75,000	View
RoundPoint Mortgage Servicing LLC	FHA	1	0.1%	50%	$365,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$95,000	View
First Port City Bank	Conventional	1	0.1%	100%	$175,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$185,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$345,000	View
Barwick Banking Company	Conventional, Jumbo	1	0.1%	100%	$3,335,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$425,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA	1	0.1%	100%	$325,000	View
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$195,000
Texana Bank	VA	1	0.1%	100%	$325,000
Plaza Home Mortgage, Inc	FHA	1	0.1%	33.3%	$365,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$155,000
Gershman Investment Corp.	Conventional	1	0.1%	100%	$275,000
Star One Credit Union	Conventional	1	0.1%	100%	$305,000
American Neighborhood Mortgage Acceptance Company	FHA	1	0.1%	100%	$255,000
Coastal Community Bank	HELOC	0 +5 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +2 HELOCs	0%	n/a		View
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Eastman Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Sharonview Federal CU	HELOC	0 +1 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	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.

Gainesville 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 Gainesville, Florida

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

Types of Mortgage Lenders in Gainesville, FL

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

Mortgage companies and brokers 117 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 59 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 78 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 47 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 4 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 4 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 36 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Gainesville, FL

Independent mortgage companies closed 68.6 percent of home loans in Gainesville, Florida in 2025, banks 16.1 percent and credit unions 15.4 percent. Triad Financial Services, Inc. was the largest mortgage company, Ameris Bank the largest bank and Campus USA Credit Union the largest credit union. Among lenders headquartered in Florida, Campus USA Credit Union led with 140 loans.

68.6%

Mortgage companies

16.1%

Banks

15.4%

Credit unions

18%

FHA loans

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

All Florida lenders 1,647 lenders Jacksonville 444 lenders Port St. Lucie 359 lenders Cape Coral 422 lenders Tampa 363 lenders Lehigh Acres 298 lenders Orlando 345 lenders St. Cloud 266 lenders St. Petersburg 346 lenders Palm Bay 258 lenders Spring Hill 261 lenders Tallahassee 233 lenders Lakewood Ranch 319 lenders

Frequently Asked Questions About Mortgage Lenders in Gainesville, FL

Who is the largest mortgage lender in Gainesville, FL?

By home loans closed in 2025, Campus USA Credit Union was the largest mortgage lender in Gainesville, Florida with 140 loans, about 9.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Gainesville, Florida, American Financial Network, Inc. approved the highest share of completed applications in 2025 at 96.2 percent, against a 75 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 Gainesville, FL mortgage lenders offer FHA, VA and USDA loans?

78 lenders closed FHA loans in Gainesville, Florida in 2025, led by United Wholesale Mortgage with 26. 47 lenders closed VA loans, led by Mortgage Research Center, and 4 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 Gainesville, FL lender list?

Yes. 59 banks and 24 credit unions closed home loans in Gainesville, Florida in 2025, alongside 117 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 Gainesville, FL ranked on this page?

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