Mortgage Lenders and Brokers in Holmes Beach, 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
Holmes Beach, Florida mortgage lenders include Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, Pinnacle BankPinnacle Bank130 S Park Ave, Apopka, FL 32703A+5.0 ★Texas Ratio: 3.04%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, First Horizon BankFirst Horizon Bank520 W Highway 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.76%, M&T BankM&T Bank850 Park Shore Drive, Naples, FL 34103A+5.0 ★Texas Ratio: 4.11%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Publix Employees Federal Credit UnionPublix Employees Federal Credit Union482 E Altamonte Dr Ste 1010, Altamonte Springs, FL 32701 4604A+5.0 ★Texas Ratio: 2.50%, One Florida BankOne Florida Bank21 E 3rd St, Apopka, FL 32703A+5.0 ★Texas Ratio: 1.41%, Raymond James BankRaymond James Bank710 Carillon Pkwy, Saint Petersburg, FL 33716A+5.0 ★Texas Ratio: 3.19%, and The Bank of TampaThe Bank of Tampa10650 Boardwalk Loop, Bradenton, FL 34202A+5.0 ★Texas Ratio: 2.04%. 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 Holmes Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Holmes Beach 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 Holmes Beach, Florida
Market share is the lender's share of all home loans closed in Holmes Beach, 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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★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
3.6% | 100% | $610,000 | View |
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130 S Park Ave, Apopka, FL 32703 A+5.0 ★Texas Ratio: 3.04% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.8% | 100% | $4,525,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 1 | 1.8% | 100% | $3,095,000 | View |
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★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 1 | 1.8% | 100% | $1,135,000 | View |
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850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 1 | 1.8% | 100% | $2,835,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo | 1 | 1.8% | 100% | $885,000 | View |
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482 E Altamonte Dr Ste 1010, Altamonte Springs, FL 32701 4604 A+5.0 ★Texas Ratio: 2.50% |
Conventional, Jumbo | 1 | 1.8% | 100% | $5,625,000 | View |
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21 E 3rd St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 1.41% |
Conventional, Jumbo | 1 | 1.8% | 100% | $2,145,000 | View |
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710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 1.8% | 100% | $755,000 | View |
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10650 Boardwalk Loop, Bradenton, FL 34202 A+5.0 ★Texas Ratio: 2.04% |
Conventional, Jumbo | 1 | 1.8% | 100% | $1,015,000 | View |
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19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 1 | 1.8% | 100% | $1,205,000 | 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 | 1 | 1.8% | 100% | $2,625,000 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 1 | 1.8% | 100% | $2,905,000 | View |
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★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
Conventional, Jumbo | 1 | 1.8% | 100% | $865,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 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 | |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Neal Communities Funding, LLC
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Conventional | 2 | 3.6% | 66.7% | $435,000 | |
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A5.0 ★Texas Ratio: 10.20% |
Conventional | 1 | 1.8% | 100% | $305,000 | View |
Nqm Funding, LLC
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Conventional, Jumbo | 1 | 1.8% | 100% | $1,705,000 | |
United Wholesale Mortgage
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Conventional, Jumbo | 3 | 5.4% | 100% | $1,525,000 | |
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F1.0 ★Texas Ratio: 85.21% |
Conventional, Jumbo | 3 | 5.4% | 100% | $1,391,666 | View |
Rocket Mortgage
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Conventional | 2 | 3.6% | 100% | $450,000 | |
Kind Lending, LLC
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Conventional | 2 | 3.6% | 100% | $715,000 | |
American Financial Network, Inc.
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Conventional | 2 | 3.6% | 100% | $510,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 2 | 3.6% | 100% | $615,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 1.8% | 100% | $495,000 | |
Msu Federal Credit Union
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Conventional | 1 | 1.8% | 100% | $675,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 1.8% | 100% | $795,000 | View |
Greenstate Credit Union
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Conventional, Jumbo | 1 | 1.8% | 100% | $1,045,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.8% | 100% | $595,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.8% | 50% | $685,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 1 | 1.8% | 100% | $1,705,000 | View |
Michigan Mutual, Inc
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Conventional | 1 | 1.8% | 100% | $725,000 | |
Glendenning Mortgage Corporation
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Conventional | 1 | 1.8% | 100% | $605,000 | |
Bay Equity LLC
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Conventional | 1 | 1.8% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 5.88% |
Conventional, Jumbo | 1 | 1.8% | 100% | $885,000 | View |
Central One Federal Credit Union
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Conventional, Jumbo | 1 | 1.8% | 100% | $2,565,000 | |
Nfm, Inc
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Conventional | 1 | 1.8% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 3.94% |
Conventional, Jumbo | 1 | 1.8% | 100% | $2,675,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 1.8% | 100% | $425,000 | |
City State Bank
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Conventional, Jumbo | 1 | 1.8% | 100% | $1,105,000 | |
Hometown Equity Mortgage, LLC
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Conventional, Jumbo | 1 | 1.8% | 100% | $3,485,000 | |
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A+5.0 ★Texas Ratio: 4.53% |
Conventional | 1 | 1.8% | 100% | $505,000 | View |
Gulf Coast Bank and Trust
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Conventional | 1 | 1.8% | 100% | $225,000 | |
Mutual of Omaha Mortgage
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Conventional, Jumbo | 1 | 1.8% | 50% | $975,000 | |
The Loan Store, Inc
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Conventional | 1 | 1.8% | 100% | $725,000 | |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 1.8% | 100% | $415,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 1.8% | 100% | $355,000 | View |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Wings Financial Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Holmes Beach 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 Holmes Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Holmes Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Holmes Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Holmes Beach, FL
Use these to narrow the list above. Each category shows how many Holmes Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Holmes Beach, FL
Independent mortgage companies closed 41.1 percent of home loans in Holmes Beach, Florida in 2025, banks 51.8 percent and credit unions 7.1 percent. Neal Communities Funding, LLC was the largest mortgage company, Southstate Bank, National Association the largest bank and Publix Employees Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 2 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 Holmes Beach, FL
By home loans closed in 2025, Southstate Bank, National Association was the largest mortgage lender in Holmes Beach, Florida with 2 loans, about 3.6 percent of the market. 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 Holmes Beach, Florida in 2025, alongside 17 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 Holmes Beach, 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 Holmes Beach, 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 Holmes Beach. 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.
