Mortgage Lenders and Brokers in Keystone Heights, 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
Keystone Heights, Florida mortgage lenders include Ameris BankAmeris Bank100 Ne Commercial Cir, Keystone Heights, FL 32656A+5.0 ★Texas Ratio: 1.82%, Capital City BankCapital City Bank500 Green Way, Keystone Heights, FL 32656A+5.0 ★Texas Ratio: 2.55%, PNC Bank N.A.PNC Bank N.A.200 S Lawrence Blvd, Keystone Heights, FL 32656A+5.0 ★Texas Ratio: 4.24%, First Federal BankFirst Federal Bank300 N Waukesha St, Bonifay, FL 32425A+5.0 ★Texas Ratio: 1.10%, VyStar Credit UnionVyStar Credit Union16201 NW US Highway 441, Alachua, FL 32615 6399A5.0 ★Texas Ratio: 9.56%, Florida Credit UnionFlorida Credit Union10303 SE US Highway 441, Belleview, FL 34420A+5.0 ★Texas Ratio: 4.76%, Campus USA Credit UnionCampus USA Credit Union14759 NW 157th Ln, Alachua, FL 32615A+5.0 ★Texas Ratio: 2.45%, Hancock Whitney BankHancock Whitney Bank5817 Manatee Ave W, Bradenton, FL 34209A+5.0 ★Texas Ratio: 3.41%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, and First Horizon BankFirst Horizon Bank520 W Highway 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.76%. 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 Keystone Heights, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Keystone Heights 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 Keystone Heights, Florida
Market share is the lender's share of all home loans closed in Keystone Heights, 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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★ 4 stars, 1 review 1 office in Keystone Heights 100 Ne Commercial Cir, Keystone Heights, FL 32656 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, HELOC | 6 +1 HELOCs |
3.4% | 85.7% | $323,333 | View |
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1 office in Keystone Heights 500 Green Way, Keystone Heights, FL 32656 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 1 office in Keystone Heights 200 S Lawrence Blvd, Keystone Heights, FL 32656 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA, VA | 5 | 2.8% | 83.3% | $245,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, FHA, HELOC | 4 +3 HELOCs |
2.3% | 28.6% | $237,500 | View |
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10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76% |
Conventional, HELOC | 3 +1 HELOCs |
1.7% | 50% | $115,000 | View |
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14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45% |
Conventional, HELOC | 2 +2 HELOCs |
1.1% | 50% | $155,000 | View |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
Conventional, VA | 2 | 1.1% | 100% | $470,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 50% | $65,000 | 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 | 1 | 0.6% | 100% | $625,000 | View |
Radifi Federal Credit Union
801 Atlantic Blvd, Atlantic Beach, FL 32233 |
Conventional | 1 | 0.6% | 100% | $35,000 | |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.6% | 100% | $65,000 | View |
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★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 0.6% | 100% | $85,000 | View |
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14520 NW US Highway 441, Alachua, FL 32615 8204 A+5.0 ★Texas Ratio: 3.03% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 2.3% | 80% | $330,000 | |
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A+5.0 ★Texas Ratio: 3.41% |
Conventional | 3 | 1.7% | 100% | $248,333 | View |
Coastal Loans, LLC
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Conventional | 1 | 0.6% | 100% | $165,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.6% | 33.3% | $265,000 | |
Acrisure Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $85,000 | |
The Mortgage Firm
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Conventional | 1 | 0.6% | 100% | $385,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 25 | 14.1% | 89.3% | $217,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 23 | 13% | 95.8% | $278,478 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA, VA, USDA | 7 | 4% | 100% | $169,285 | View |
Guild Mortgage Company
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Conventional, FHA | 7 | 4% | 100% | $189,285 | |
Pennymac Loan Services LLC
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Conventional, FHA | 6 | 3.4% | 85.7% | $208,333 | |
21St Mortgage
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Conventional | 6 | 3.4% | 100% | $166,666 | |
Guaranteed Rate, Inc.
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Conventional, VA | 4 | 2.3% | 100% | $227,500 | |
Equity Prime Mortgage LLC
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FHA, VA | 4 | 2.3% | 100% | $170,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
1.7% | 60% | $225,000 | |
Affordable Mortgage Advisors
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Conventional, FHA | 3 | 1.7% | 75% | $135,000 | |
CrossCountry Mortgage, LLC
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FHA | 3 | 1.7% | 100% | $181,666 | |
Advisors Mortgage Group, LLC
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Conventional, FHA | 3 | 1.7% | 75% | $251,666 | |
Mortgage Research Center
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VA | 3 | 1.7% | 60% | $288,333 | |
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A5.0 ★Texas Ratio: 8.10% |
FHA, VA | 2 | 1.1% | 60% | $270,000 | View |
Movement Mortgage, LLC
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FHA, VA | 2 | 1.1% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
FHA, USDA | 2 | 1.1% | 100% | $110,000 | View |
Click n' Close, Inc.
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Conventional, FHA | 2 | 1.1% | 100% | $135,000 | |
ClearPath Lending
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VA | 2 | 1.1% | 100% | $375,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 2 | 1.1% | 100% | $325,000 | |
Loanpeople, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $125,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 33.3% | $45,000 | |
EMM Loans LLC
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Conventional | 1 | 0.6% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.6% | 100% | $215,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
Conventional | 1 | 0.6% | 100% | $425,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.6% | 50% | $285,000 | |
Primelending
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Conventional | 1 | 0.6% | 100% | $145,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $215,000 | |
Everett Financial, Inc.
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FHA | 1 | 0.6% | 100% | $175,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $375,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.6% | 100% | $185,000 | |
Network Funding, L.P.
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VA | 1 | 0.6% | 100% | $345,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.6% | 100% | $255,000 | |
First Colony Mortgage Corporat
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USDA | 1 | 0.6% | 100% | $215,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.6% | 100% | $275,000 | |
Nfm, Inc
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Conventional | 1 | 0.6% | 100% | $155,000 | |
Credence Funding Corporation
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VA | 1 | 0.6% | 100% | $275,000 | |
Milend, Inc
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FHA | 1 | 0.6% | 100% | $205,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 100% | $65,000 | |
Towne Mortgage Company
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FHA | 1 | 0.6% | 100% | $155,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.6% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
FHA | 1 | 0.6% | 100% | $85,000 | View |
New American Funding, LLC.
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FHA | 1 | 0.6% | 33.3% | $115,000 | |
Nationwide Mortgage Bankers, Inc.
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FHA | 1 | 0.6% | 100% | $185,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.6% | 25% | $125,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.6% | 50% | $55,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.6% | 100% | $175,000 | View |
Village Capital & Investment
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FHA | 1 | 0.6% | 100% | $185,000 | |
loanDepot.com LLC
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
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 | ||
Northwest Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Keystone Heights 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 Keystone Heights, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Keystone Heights? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Keystone Heights in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Keystone Heights, FL
Use these to narrow the list above. Each category shows how many Keystone Heights, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Keystone Heights, FL
Independent mortgage companies closed 73.4 percent of home loans in Keystone Heights, Florida in 2025, banks 15.8 percent and credit unions 10.7 percent. Freedom Mortgage Corporation was the largest mortgage company, Ameris Bank the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, Capital City Bank led with 0 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 Keystone Heights, FL
By home loans closed in 2025, Ameris Bank was the largest mortgage lender in Keystone Heights, Florida with 6 loans, about 3.4 percent of the market. The largest lender headquartered in Florida was Capital City Bank with 0 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
30 lenders closed FHA loans in Keystone Heights, Florida in 2025, led by United Wholesale Mortgage with 11. 17 lenders closed VA loans, led by United Wholesale Mortgage, 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. 16 banks and 11 credit unions closed home loans in Keystone Heights, 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 Keystone Heights, 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 Keystone Heights, 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 Keystone Heights. 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.
