Mortgage Lenders and Brokers in Hilliard, 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
Hilliard, Florida mortgage lenders include Southeastern BankSoutheastern Bank15885 County Road 108, Hilliard, FL 32046A+5.0 ★Texas Ratio: 2.15%, VyStar Credit UnionVyStar Credit Union16201 NW US Highway 441, Alachua, FL 32615 6399A5.0 ★Texas Ratio: 9.56%, First Federal BankFirst Federal Bank300 N Waukesha St, Bonifay, FL 32425A+5.0 ★Texas Ratio: 1.10%, Flagstar Bank NAFlagstar Bank NA20423 State Road 7, Boca Raton, FL 33498D3.3 ★Texas Ratio: 35.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Hancock Whitney BankHancock Whitney Bank5817 Manatee Ave W, Bradenton, FL 34209A+5.0 ★Texas Ratio: 3.41%, Triad Financial Services, Inc.Triad Financial Services, Inc.1209 Kingsway Rd, Brandon, FL 33510A+5.0 ★Texas Ratio: 5.93%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, and Midflorida Credit UnionMidflorida Credit Union1199 Spring Centre South Blvd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.18%. 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 Hilliard, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hilliard 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 Hilliard, Florida
Market share is the lender's share of all home loans closed in Hilliard, 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 Hilliard 15885 County Road 108, Hilliard, FL 32046 A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo | 4 | 1.7% | 100% | $572,500 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, FHA, HELOC | 14 +6 HELOCs |
6% | 46.7% | $175,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA, VA | 5 | 2.1% | 83.3% | $393,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
VA, HELOC | 2 +1 HELOCs |
0.9% | 100% | $430,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
VA | 1 | 0.4% | 100% | $365,000 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 1 | 0.4% | 100% | $225,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.4% | 100% | $165,000 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 100% | $165,000 | 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 | 0.4% | 50% | $175,000 | 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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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Freedom Mortgage Corporation
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FHA, VA | 6 | 2.6% | 88.9% | $333,333 | |
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A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 2 +2 HELOCs |
0.9% | 100% | $140,000 | View |
Coastline Home Mortgage
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Conventional | 2 | 0.9% | 100% | $270,000 | |
Nqm Funding, LLC
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FHA | 1 | 0.4% | 33.3% | $205,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, USDA | 48 | 20.4% | 71% | $337,083 | |
Rocket Mortgage
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Conventional, FHA, VA | 18 | 7.7% | 79.2% | $246,111 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 17 | 7.2% | 68% | $345,000 | |
21St Mortgage
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Conventional | 15 | 6.4% | 65.2% | $191,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 3.4% | 100% | $207,500 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA, Jumbo | 6 | 2.6% | 100% | $476,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 5 | 2.1% | 83.3% | $173,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 4 | 1.7% | 100% | $137,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 4 | 1.7% | 100% | $395,000 | |
Mortgage Research Center
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VA | 4 | 1.7% | 50% | $477,500 | |
Towne Mortgage Company
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Conventional, FHA, USDA | 4 | 1.7% | 100% | $330,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 3 | 1.3% | 100% | $115,000 | View |
Southwest Stage Funding LLC
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Conventional, FHA | 3 | 1.3% | 100% | $291,666 | |
EMM Loans LLC
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FHA | 2 | 0.9% | 100% | $285,000 | |
First Community Mortgage, Inc.
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Conventional | 2 | 0.9% | 100% | $270,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.9% | 66.7% | $295,000 | |
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A5.0 ★Texas Ratio: 8.10% |
VA | 2 | 0.9% | 66.7% | $305,000 | View |
Union Home Mortgage Corp.
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FHA | 2 | 0.9% | 50% | $425,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.9% | 66.7% | $455,000 | View |
Pineland Bank
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Conventional | 2 | 0.9% | 100% | $120,000 | |
Nations Direct Mortgage, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $250,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 0.9% | 100% | $505,000 | View |
Texana Bank
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FHA, VA | 2 | 0.9% | 100% | $435,000 | |
Plaza Home Mortgage, Inc
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FHA, VA | 2 | 0.9% | 100% | $495,000 | |
Village Capital & Investment
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VA | 2 | 0.9% | 100% | $360,000 | |
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A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $65,000 | |
Goodleap, LLC
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VA | 1 | 0.4% | 100% | $255,000 | |
Everett Financial, Inc.
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FHA | 1 | 0.4% | 100% | $315,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.4% | 50% | $255,000 | |
Kind Lending, LLC
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VA | 1 | 0.4% | 50% | $515,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.4% | 100% | $415,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.4% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
Ross Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.4% | 50% | $385,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Click n' Close, Inc.
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USDA | 1 | 0.4% | 100% | $215,000 | |
American Financing Corporation
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FHA | 1 | 0.4% | 50% | $215,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.4% | 100% | $475,000 | |
Evergreen Moneysource Mortgage Company
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.4% | 100% | $215,000 | |
Union Savings Bank
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VA | 1 | 0.4% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
Saygo Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Zillow Home Loans, LLC
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VA | 1 | 0.4% | 100% | $575,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.4% | 25% | $215,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.4% | 100% | $75,000 | |
First Port City Bank
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Conventional | 1 | 0.4% | 100% | $125,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 0.4% | 100% | $165,000 | View |
Fairway Independent Mort Corp
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FHA | 1 | 0.4% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
VA | 1 | 0.4% | 50% | $725,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.4% | 33.3% | $295,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
VA | 1 | 0.4% | 25% | $265,000 | View |
JMAC Lending, Inc.
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VA | 1 | 0.4% | 100% | $195,000 | |
Coastal Community Bank
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Hilliard 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 Hilliard, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Hilliard? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Hilliard in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Hilliard, FL
Use these to narrow the list above. Each category shows how many Hilliard, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Hilliard, FL
Independent mortgage companies closed 74.9 percent of home loans in Hilliard, Florida in 2025, banks 14 percent and credit unions 11.1 percent. Triad Financial Services, Inc. was the largest mortgage company, Southeastern Bank the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, VyStar Credit Union led with 14 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 Hilliard, FL
By home loans closed in 2025, Southeastern Bank was the largest mortgage lender in Hilliard, Florida with 4 loans, about 1.7 percent of the market. The largest lender headquartered in Florida was VyStar Credit Union with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Hilliard, Florida in 2025, led by loanDepot.com LLC with 15. 25 lenders closed VA loans, led by loanDepot.com LLC, 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.
Yes. 21 banks and 7 credit unions closed home loans in Hilliard, Florida in 2025, alongside 46 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 Hilliard, 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 Hilliard, 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 Hilliard. 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.
