Mortgage Lenders and Brokers in Gulf Breeze, 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
Gulf Breeze, Florida mortgage lenders include Regions BankRegions Bank3377 Gulf Breeze Pkwy, Gulf Breeze, FL 32563A+5.0 ★Texas Ratio: 4.37%, Hancock Whitney BankHancock Whitney Bank1387 Shoreline Dr, Gulf Breeze, FL 32561A+5.0 ★Texas Ratio: 3.41%, Bank of America NABank of America NA301 Gulf Breeze Pkwy, Gulf Breeze, FL 32561A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.1170 Gulf Breeze Pkwy, Gulf Breeze, FL 32561A+5.0 ★Texas Ratio: 4.24%, Truist BankTruist Bank3301 Gulf Breeze Pkwy, Gulf Breeze, FL 32563A+5.0 ★Texas Ratio: 2.87%, Members First Credit Union of FloridaMembers First Credit Union of Florida5005 Highway 90, Pace, FL 32571A+5.0 ★Texas Ratio: 1.18%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Gulf Winds Credit UnionGulf Winds Credit Union1300 Shoreline Dr, Gulf Breeze, FL 32561A+5.0 ★Texas Ratio: 2.87%, PenAir Credit UnionPenAir Credit Union3591 Gulf Breeze Pkwy, Gulf Breeze, FL 32563A+5.0 ★Texas Ratio: 2.97%, and Community Bank of MississippiCommunity Bank of Mississippi345 E James Lee Blvd, Crestview, FL 32539A+5.0 ★Texas Ratio: 3.09%. 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 Gulf Breeze, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gulf Breeze 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 Gulf Breeze, Florida
Market share is the lender's share of all home loans closed in Gulf Breeze, 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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2 offices in Gulf Breeze 3377 Gulf Breeze Pkwy, Gulf Breeze, FL 32563 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo, HELOC | 8 +21 HELOCs |
7% | 85.7% | $702,500 | View |
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★ 4 stars, 3 reviews 1 office in Gulf Breeze 1387 Shoreline Dr, Gulf Breeze, FL 32561 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 1 +2 HELOCs |
0.9% | 100% | $605,000 | View |
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1 office in Gulf Breeze 301 Gulf Breeze Pkwy, Gulf Breeze, FL 32561 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 1 office in Gulf Breeze 1170 Gulf Breeze Pkwy, Gulf Breeze, FL 32561 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 1 office in Gulf Breeze 3301 Gulf Breeze Pkwy, Gulf Breeze, FL 32563 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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5005 Highway 90, Pace, FL 32571 A+5.0 ★Texas Ratio: 1.18% |
Conventional | 4 | 3.5% | 100% | $125,000 | |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 2.6% | 100% | $525,000 | View |
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1300 Shoreline Dr, Gulf Breeze, FL 32561 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +5 HELOCs |
1.7% | 66.7% | $280,000 | View |
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3591 Gulf Breeze Pkwy, Gulf Breeze, FL 32563 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $305,000 | View |
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345 E James Lee Blvd, Crestview, FL 32539 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 1 | 0.9% | 100% | $405,000 | View |
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710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.9% | 100% | $1,755,000 | View |
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★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18% |
Conventional | 1 | 0.9% | 100% | $185,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.9% | 100% | $435,000 | View |
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316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 4 | 3.5% | 62.5% | $217,500 | |
Acrisure Mortgage, LLC
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VA | 1 | 0.9% | 100% | $495,000 | |
New Day Financial, LLC.
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VA | 1 | 0.9% | 100% | $585,000 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 18 | 15.7% | 90% | $635,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 12 +3 HELOCs |
10.4% | 80% | $406,666 | |
Rocket Mortgage
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Conventional | 9 | 7.8% | 83.3% | $209,444 | |
Guild Mortgage Company
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Conventional | 4 | 3.5% | 100% | $427,500 | |
Synovus Bank
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Conventional, Jumbo, HELOC | 3 +1 HELOCs |
2.6% | 100% | $951,666 | |
Movement Mortgage, LLC
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Conventional | 3 | 2.6% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, VA, Jumbo | 3 | 2.6% | 100% | $745,000 | View |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 3 | 2.6% | 100% | $431,666 | View |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA, Jumbo | 3 | 2.6% | 100% | $618,333 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.7% | 100% | $330,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 2 | 1.7% | 100% | $325,000 | View |
Mortgage Research Center
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VA, Jumbo | 2 | 1.7% | 100% | $855,000 | |
Cadence Bank
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VA | 1 | 0.9% | 100% | $445,000 | |
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A5.0 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.9% | 100% | $505,000 | View |
Primelending
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Conventional | 1 | 0.9% | 100% | $665,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.9% | 100% | $295,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.9% | 100% | $475,000 | View |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, Jumbo | 1 | 0.9% | 50% | $1,355,000 | View |
loanDepot.com LLC
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Conventional | 1 | 0.9% | 100% | $75,000 | |
Usalliance Federal Credit Union
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Conventional | 1 | 0.9% | 100% | $265,000 | |
Thompson Kane & Company, Inc
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Conventional | 1 | 0.9% | 100% | $695,000 | |
Provident Funding Associates
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Conventional | 1 | 0.9% | 100% | $275,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.9% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.9% | 100% | $235,000 | View |
Gulf Coast Bank and Trust
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Conventional | 1 | 0.9% | 100% | $805,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.9% | 100% | $365,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.9% | 100% | $625,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.9% | 100% | $1,125,000 | View |
DHI Mortgage Company, LTD.
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Conventional | 1 | 0.9% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.9% | 100% | $765,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.9% | 100% | $55,000 | View |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.9% | 66.7% | $25,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.9% | 100% | $675,000 | View |
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A+5.0 ★Texas Ratio: 5.53% |
Conventional | 1 | 0.9% | 100% | $525,000 | View |
Guaranteed Rate, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Gulf Breeze 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 Gulf Breeze, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Gulf Breeze? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gulf Breeze in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gulf Breeze, FL
Use these to narrow the list above. Each category shows how many Gulf Breeze, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Gulf Breeze, FL
Independent mortgage companies closed 52.2 percent of home loans in Gulf Breeze, Florida in 2025, banks 29.6 percent and credit unions 18.3 percent. Lakeview Loan Servicing, LLC was the largest mortgage company, Regions Bank the largest bank and Members First Credit Union of Florida the largest credit union. Among lenders headquartered in Florida, Members First Credit Union of Florida led with 4 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.
More Florida Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Gulf Breeze, FL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Gulf Breeze, Florida with 8 loans, about 7 percent of the market. The largest lender headquartered in Florida was Members First Credit Union of Florida with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Gulf Breeze, Florida in 2025, led by Lakeview Loan Servicing, LLC with 2. 8 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. 27 banks and 7 credit unions closed home loans in Gulf Breeze, Florida in 2025, alongside 23 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 Gulf Breeze, 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 Gulf Breeze, 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 Gulf Breeze. 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.
