Mortgage Lenders and Brokers in Heritage Bay, 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
Heritage Bay, Florida mortgage lenders include Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.900 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.24%, Cogent BankCogent Bank1001 3rd Ave W, Bradenton, FL 34205A+5.0 ★Texas Ratio: 2.54%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, Fifth Third Bank, National AssociationFifth Third Bank, National Association254 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.22%, Valley National BankValley National Bank19495 Biscayne Blvd, Aventura, FL 33180A+5.0 ★Texas Ratio: 5.76%, VyStar Credit UnionVyStar Credit Union16201 NW US Highway 441, Alachua, FL 32615 6399A5.0 ★Texas Ratio: 9.56%, TD BankTD Bank514 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.71%, Suncoast Credit UnionSuncoast Credit Union1328 E Oak St, Arcadia, FL 34266A5.0 ★Texas Ratio: 6.26%, and CrossCountry Mortgage, LLC. 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 Heritage Bay, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Heritage Bay 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 Heritage Bay, Florida
Market share is the lender's share of all home loans closed in Heritage Bay, 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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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
3.4% | 100% | $625,000 | 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, Jumbo | 2 | 3.4% | 100% | $640,000 | View |
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1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 1.7% | 100% | $505,000 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.7% | 50% | $465,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 1.7% | 100% | $255,000 | View |
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19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 1.7% | 100% | $305,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
FHA | 1 | 1.7% | 100% | $695,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 9 | 15.5% | 100% | $428,333 | |
Rocket Mortgage
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Conventional, HELOC | 5 +1 HELOCs |
8.6% | 71.4% | $323,000 | |
United Wholesale Mortgage
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Conventional | 4 | 6.9% | 100% | $347,500 | |
Lake Michigan Credit Union
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Conventional, Jumbo, HELOC | 2 +1 HELOCs |
3.4% | 100% | $975,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 3.4% | 100% | $555,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 2 | 3.4% | 100% | $385,000 | View |
Movement Mortgage, LLC
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Conventional | 2 | 3.4% | 66.7% | $290,000 | |
Embrace Home Loans, Inc.
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Conventional, Jumbo | 2 | 3.4% | 100% | $710,000 | |
Nationstar Mortgage
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Conventional | 2 | 3.4% | 100% | $275,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 3.4% | 100% | $1,235,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 1.7% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 1.7% | 50% | $315,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 1.7% | 100% | $385,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.7% | 100% | $65,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.7% | 100% | $705,000 | |
Synergy One Lending, Inc.
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Conventional, Jumbo | 1 | 1.7% | 100% | $1,575,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 1.7% | 100% | $325,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.7% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 1.7% | 100% | $575,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
FHA | 1 | 1.7% | 100% | $265,000 | View |
Mortgage Research Center
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VA | 1 | 1.7% | 50% | $295,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.7% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 8.91% |
Conventional | 1 | 1.7% | 100% | $255,000 | View |
Summit Mortgage Corporation
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Conventional | 1 | 1.7% | 100% | $435,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 1.7% | 100% | $255,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 1.7% | 100% | $765,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.7% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Originpoint, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.29% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a |
Heritage Bay 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 Heritage Bay, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Heritage Bay? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Heritage Bay in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Heritage Bay, FL
Use these to narrow the list above. Each category shows how many Heritage Bay, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Heritage Bay, FL
Independent mortgage companies closed 65.5 percent of home loans in Heritage Bay, Florida in 2025, banks 27.6 percent and credit unions 6.9 percent. CrossCountry Mortgage, LLC was the largest mortgage company, Bank of America NA the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, Cogent Bank led with 1 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 Heritage Bay, FL
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Heritage Bay, Florida with 2 loans, about 3.4 percent of the market. The largest lender headquartered in Florida was Cogent Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Heritage Bay, Florida in 2025, led by CrossCountry Mortgage, LLC with 2. 1 lenders closed VA loans, led by Mortgage Research Center. 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. 15 banks and 5 credit unions closed home loans in Heritage Bay, Florida in 2025, alongside 20 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 Heritage Bay, 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 Heritage Bay, 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 Heritage Bay. 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.
