Mortgage Lenders and Brokers in Key Largo, 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
Key Largo, Florida mortgage lenders include First Horizon BankFirst Horizon Bank99451 Overseas Hwy, Key Largo, FL 33037A+5.0 ★Texas Ratio: 5.76%, Wells Fargo Bank NAWells Fargo Bank NA100000 Overseas Hwy, Key Largo, FL 33037A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA99551 Overseas Hwy, Key Largo, FL 33037A+5.0 ★Texas Ratio: 4.14%, The Northern Trust CoThe Northern Trust Co31 Ocean Reef Dr, Key Largo, FL 33037A4.7 ★Texas Ratio: 0.83%, Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Citizens Bank, NACitizens Bank, NA2222 Ponce De Leon Blvd, Coral Gables, FL 33134A+5.0 ★Texas Ratio: 5.44%, and Flagstar Bank NAFlagstar Bank NA20423 State Road 7, Boca Raton, FL 33498D3.3 ★Texas Ratio: 35.11%. 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 Key Largo, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Key Largo 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 Key Largo, Florida
Market share is the lender's share of all home loans closed in Key Largo, 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 2 offices in Key Largo 99451 Overseas Hwy, Key Largo, FL 33037 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo, HELOC | 7 +5 HELOCs |
2.7% | 87.5% | $1,592,142 | View |
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1 office in Key Largo 100000 Overseas Hwy, Key Largo, FL 33037 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 4 | 1.6% | 100% | $1,590,000 | View |
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2 offices in Key Largo 99551 Overseas Hwy, Key Largo, FL 33037 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
1.2% | 60% | $1,428,333 | View |
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1 office in Key Largo 31 Ocean Reef Dr, Key Largo, FL 33037 A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.4% | 50% | $505,000 | 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% |
Conventional, FHA, Jumbo, HELOC | 13 +7 HELOCs |
5% | 92.9% | $895,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 9 | 3.5% | 100% | $2,562,777 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.2% | 100% | $768,333 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, Jumbo | 3 | 1.2% | 75% | $708,333 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
0.8% | 66.7% | $3,155,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 2 | 0.8% | 100% | $960,000 | View |
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2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
Conventional, Jumbo | 2 | 0.8% | 50% | $1,305,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $865,000 | View |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $775,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $1,285,000 | 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, HELOC | 1 +1 HELOCs |
0.4% | 100% | $1,005,000 | View |
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350 E Las Olas Blvd Ste 1400, Fort Lauderdale, FL 33301 A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 1 | 0.4% | 50% | $3,005,000 | View |
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1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
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26851 S Tamiami Trail, Bonita Springs, FL 34134 A+5.0 ★Texas Ratio: 2.75% |
Conventional, Jumbo | 1 | 0.4% | 100% | $3,605,000 | View |
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101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.4% | 100% | $3,505,000 | View |
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16460 SW 304th St, Homestead, FL 33033 3260 A+5.0 ★Texas Ratio: 2.35% |
Conventional | 1 | 0.4% | 100% | $775,000 | View |
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710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.4% | 100% | $815,000 | View |
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2950 Ne 207th St, Aventura, FL 33180 A+5.0 ★Texas Ratio: 3.01% |
Conventional, Jumbo | 1 | 0.4% | 100% | $2,715,000 | View |
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19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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2875 Ne 191st St, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.4% | 100% | $505,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional | 1 | 0.4% | 100% | $725,000 | View |
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18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.4% | 100% | $815,000 | View |
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20295 S Dixie Hwy, Cutler Bay, FL 33189 1207 A+5.0 ★Texas Ratio: 1.61% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 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 +2 HELOCs |
0% | n/a | View | |
Lennar Mortgage, LLC
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Conventional, FHA | 14 | 5.4% | 63.6% | $508,571 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 6 | 2.3% | 75% | $653,333 | View |
Freedom Mortgage Corporation
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FHA, VA, Jumbo | 3 | 1.2% | 100% | $795,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.4% | 25% | $705,000 | |
American Bancshares Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $565,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.4% | 100% | $625,000 | |
Banking Mortgage Svcs.,Bms Corp
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Conventional | 1 | 0.4% | 100% | $455,000 | |
Reliable Holdings Manager dba Lendz Financial
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Conventional | 1 | 0.4% | 50% | $425,000 | |
FineMark National Bank & Trust
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Conventional | 1 | 0.4% | 100% | $955,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 30 +2 HELOCs |
11.6% | 76.9% | $748,333 | |
Rocket Mortgage
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Conventional, FHA, Jumbo | 18 | 7% | 75% | $432,777 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 12 | 4.7% | 92.3% | $880,833 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 6 | 2.3% | 100% | $706,666 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 6 | 2.3% | 100% | $4,135,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional, Jumbo | 5 | 1.9% | 100% | $1,115,000 | |
The Loan Store, Inc
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Conventional | 4 | 1.6% | 66.7% | $425,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 4 | 1.6% | 100% | $315,000 | View |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 1.6% | 100% | $512,500 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 1.2% | 100% | $1,491,666 | View |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, VA, Jumbo | 3 | 1.2% | 60% | $675,000 | View |
Deephaven Mortgage LLC
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Conventional | 3 | 1.2% | 75% | $548,333 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 3 | 1.2% | 100% | $1,198,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +2 HELOCs |
0.8% | 100% | $395,000 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 2 | 0.8% | 100% | $775,000 | |
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A+5.0 ★Texas Ratio: 4.98% |
Conventional, Jumbo | 2 | 0.8% | 100% | $1,550,000 | View |
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A5.0 ★Texas Ratio: 6.69% |
Conventional, Jumbo | 2 | 0.8% | 50% | $1,390,000 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, VA | 2 | 0.8% | 100% | $645,000 | View |
My Mortgage, Inc
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Conventional, FHA | 2 | 0.8% | 100% | $665,000 | |
Hometown Equity Mortgage, LLC
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Conventional, Jumbo | 2 | 0.8% | 50% | $565,000 | |
Nationstar Mortgage
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FHA, VA | 2 | 0.8% | 100% | $705,000 | |
Mortgage Research Center
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VA | 2 | 0.8% | 66.7% | $490,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 2 | 0.8% | 100% | $1,680,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 2 | 0.8% | 100% | $3,030,000 | View |
Paramount Residential Mortgage
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Conventional | 2 | 0.8% | 100% | $600,000 | |
Cake Mortgage Corp.
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Conventional, Jumbo | 2 | 0.8% | 100% | $1,795,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $555,000 | View |
American Airlines Federal Cred
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $1,005,000 | |
AmWest Funding Corp
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,505,000 | View |
Tidewater Mortgage Services, Inc
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,505,000 | |
Guaranteed Rate Affinity, LLC
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FHA | 1 | 0.4% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.4% | 100% | $645,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.4% | 100% | $165,000 | |
Fundloans Capital
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Conventional | 1 | 0.4% | 100% | $805,000 | |
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A5.0 ★Texas Ratio: 6.15% |
VA | 1 | 0.4% | 100% | $545,000 | View |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $585,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.4% | 100% | $815,000 | |
loanDepot.com LLC
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Conventional, Jumbo | 1 | 0.4% | 50% | $985,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.4% | 100% | $585,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Guild Mortgage Company
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FHA | 1 | 0.4% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $715,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $885,000 | |
First Savings Mortgage Corporation
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Conventional, Jumbo | 1 | 0.4% | 100% | $3,005,000 | |
BankSouth
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Conventional | 1 | 0.4% | 100% | $855,000 | |
Point Mortgage Corp
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Conventional | 1 | 0.4% | 100% | $725,000 | |
1st Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $955,000 | |
Provident Funding Associates
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Conventional | 1 | 0.4% | 100% | $565,000 | |
T2 Financial LLC
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Conventional | 1 | 0.4% | 100% | $475,000 | |
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A+5.0 ★Texas Ratio: 0.87% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,185,000 | View |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,245,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.4% | 100% | $815,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 50% | $945,000 | View |
Mutual of Omaha Mortgage
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VA, Jumbo | 1 | 0.4% | 100% | $985,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.4% | 50% | $65,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.4% | 33.3% | $215,000 | View |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.4% | 100% | $605,000 | View |
Nexera Holding LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,355,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 25% | $75,000 | |
Vista Point Mortgage, LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,055,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $575,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.4% | 100% | $485,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.4% | 100% | $275,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 2.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.29% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Union Savings Bank
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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 |
Key Largo 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 Key Largo, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Key Largo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Key Largo in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Key Largo, FL
Use these to narrow the list above. Each category shows how many Key Largo, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Key Largo, FL
Independent mortgage companies closed 64 percent of home loans in Key Largo, Florida in 2025, banks 32.9 percent and credit unions 3.1 percent. Lennar Mortgage, LLC was the largest mortgage company, First Horizon Bank the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 13 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 Key Largo, FL
By home loans closed in 2025, First Horizon Bank was the largest mortgage lender in Key Largo, Florida with 7 loans, about 2.7 percent of the market. The largest lender headquartered in Florida was Southstate Bank, National Association with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Key Largo, Florida in 2025, led by Lennar Mortgage, LLC with 11. 9 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 40 banks and 9 credit unions closed home loans in Key Largo, Florida in 2025, alongside 59 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 Key Largo, 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 Key Largo, 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 Key Largo. 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.
