Mortgage Lenders and Brokers in Laguna 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
Laguna Beach, Florida mortgage lenders include Centennial BankCentennial Bank22 Avenue E, Apalachicola, FL 32320A+5.0 ★Texas Ratio: 3.14%, Trustmark BankTrustmark Bank993 Us Highway 31 South, Defuniak Springs, FL 32435A+5.0 ★Texas Ratio: 2.40%, BankplusBankplus4881 Nw 8th Ave, Gainesville, FL 32605A+5.0 ★Texas Ratio: 4.80%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Community Bank of MississippiCommunity Bank of Mississippi345 E James Lee Blvd, Crestview, FL 32539A+5.0 ★Texas Ratio: 3.09%, Tyndall Federal Credit UnionTyndall Federal Credit Union1601 Ohio Ave, Lynn Haven, FL 32444 3746A+5.0 ★Texas Ratio: 0.96%, First Federal BankFirst Federal Bank300 N Waukesha St, Bonifay, FL 32425A+5.0 ★Texas Ratio: 1.10%, Innovations Financial Credit UnionInnovations Financial Credit Union402 N Waukesha ST, Bonifay, FL 32425 2014A+5.0 ★Texas Ratio: 1.14%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, and Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%. 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 Laguna Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Laguna 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 Laguna Beach, Florida
Market share is the lender's share of all home loans closed in Laguna 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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22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14% |
Conventional, FHA, Jumbo, HELOC | 5 +1 HELOCs |
2.5% | 100% | $533,000 | View |
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993 Us Highway 31 South, Defuniak Springs, FL 32435 A+5.0 ★Texas Ratio: 2.40% |
Conventional, HELOC | 4 +1 HELOCs |
2% | 100% | $307,500 | View |
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4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80% |
Conventional, FHA | 4 | 2% | 80% | $325,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 3 +6 HELOCs |
1.5% | 75% | $491,666 | View |
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345 E James Lee Blvd, Crestview, FL 32539 A+5.0 ★Texas Ratio: 3.09% |
Conventional, HELOC | 3 +2 HELOCs |
1.5% | 100% | $515,000 | View |
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1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 3 | 1.5% | 60% | $128,333 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 3 | 1.5% | 75% | $255,000 | View |
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402 N Waukesha ST, Bonifay, FL 32425 2014 A+5.0 ★Texas Ratio: 1.14% |
Conventional, Jumbo | 3 | 1.5% | 60% | $755,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, Jumbo | 3 | 1.5% | 100% | $611,666 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $330,000 | View |
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2755 E Orange Ave, Eustis, FL 32726 A+5.0 ★Texas Ratio: 1.15% |
Conventional | 2 | 1% | 100% | $545,000 | View |
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1912 S Highway 77, Lynn Haven, FL 32444 A+5.0 ★Texas Ratio: 1.07% |
Conventional | 2 | 1% | 100% | $490,000 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1% | 100% | $235,000 | View |
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10970 San Jose Boulevard, Jacksonville, FL 32223 A+5.0 ★Texas Ratio: 4.01% |
Conventional, Jumbo | 2 | 1% | 100% | $2,360,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.5% | 100% | $3,205,000 | 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, HELOC | 1 +1 HELOCs |
0.5% | 50% | $1,785,000 | 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 | 0.5% | 100% | $965,000 | View |
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130 S Park Ave, Apopka, FL 32703 A+5.0 ★Texas Ratio: 3.04% |
Conventional, Jumbo | 1 | 0.5% | 100% | $925,000 | View |
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4472 Lafayette St, Marianna, FL 32446 A+5.0 ★Texas Ratio: 3.60% |
Conventional, Jumbo | 1 | 0.5% | 100% | $2,005,000 | View |
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710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.5% | 100% | $895,000 | View |
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7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
Conventional | 1 | 0.5% | 100% | $795,000 | View |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.5% | 50% | $415,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.5% | 100% | $45,000 | 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 | 0.5% | 100% | $1,075,000 | View |
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316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 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% | n/a | View | |
Freedom Mortgage Corporation
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VA | 1 | 0.5% | 50% | $425,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.5% | 100% | $225,000 | |
The Mortgage Firm
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Conventional | 1 | 0.5% | 100% | $125,000 | |
Rocket Mortgage
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Conventional, FHA | 18 | 9.1% | 66.7% | $290,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 13 | 6.6% | 86.7% | $519,615 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 8 | 4% | 100% | $486,250 | |
Mortgage Research Center
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Conventional, VA | 7 | 3.5% | 70% | $402,142 | |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional, Jumbo | 5 | 2.5% | 100% | $889,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +2 HELOCs |
2% | 80% | $365,000 | |
BankSouth
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Conventional | 3 | 1.5% | 100% | $461,666 | |
Nationstar Mortgage
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Conventional | 3 | 1.5% | 100% | $125,000 | |
New American Funding, LLC.
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Conventional | 3 | 1.5% | 75% | $371,666 | |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 1.5% | 100% | $345,000 | |
Paramount Residential Mortgage
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Conventional | 3 | 1.5% | 100% | $408,333 | |
Synovus Bank
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Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $540,000 | |
Southpoint Bank
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Conventional | 2 | 1% | 100% | $275,000 | |
Wellworth Bank
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Conventional | 2 | 1% | 100% | $355,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 1% | 100% | $110,000 | |
Everett Financial, Inc.
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Conventional | 2 | 1% | 100% | $460,000 | |
American Financial Network, Inc.
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Conventional | 2 | 1% | 66.7% | $350,000 | |
Homeowners Financial Group, LLC
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Conventional | 2 | 1% | 50% | $295,000 | |
T2 Financial LLC
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FHA, VA | 2 | 1% | 100% | $350,000 | |
Lendsure Mortgage Corp.
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Conventional | 2 | 1% | 100% | $320,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 2 | 1% | 66.7% | $815,000 | View |
Genway Home Mortgage, Inc.
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Conventional, FHA | 2 | 1% | 100% | $260,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1% | 66.7% | $490,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 1% | 100% | $535,000 | View |
loanDepot.com LLC
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FHA, HELOC | 1 +1 HELOCs |
0.5% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 6.45% |
Conventional | 1 | 0.5% | 50% | $585,000 | View |
Cadence Bank
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Conventional | 1 | 0.5% | 33.3% | $205,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $445,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,125,000 | View |
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A5.0 ★Texas Ratio: 10.01% |
Conventional | 1 | 0.5% | 50% | $685,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.5% | 100% | $165,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,085,000 | |
Primelending
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Conventional | 1 | 0.5% | 50% | $365,000 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 0.5% | 100% | $535,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 1 | 0.5% | 100% | $405,000 | View |
Kind Lending, LLC
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VA | 1 | 0.5% | 100% | $505,000 | |
Avadian Credit Union
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Conventional | 1 | 0.5% | 100% | $405,000 | |
Max Credit Union
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Conventional | 1 | 0.5% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 7.31% |
Conventional | 1 | 0.5% | 100% | $625,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 0.5% | 100% | $145,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.5% | 100% | $475,000 | |
First State Bank of Blakely
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Conventional | 1 | 0.5% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 1.71% |
Conventional | 1 | 0.5% | 100% | $165,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.5% | 50% | $425,000 | View |
Click n' Close, Inc.
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Conventional | 1 | 0.5% | 100% | $605,000 | |
Citizens Equity First Credit U
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Conventional | 1 | 0.5% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 2.96% |
Conventional | 1 | 0.5% | 100% | $405,000 | View |
First Colony Mortgage Corporat
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Conventional | 1 | 0.5% | 100% | $555,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.5% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 0.5% | 100% | $355,000 | View |
Calcon Mutual Mortgage LLC
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VA | 1 | 0.5% | 100% | $345,000 | |
Delta Community Credit Union
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Conventional | 1 | 0.5% | 100% | $75,000 | |
First Option Mortgage, LLC
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VA | 1 | 0.5% | 100% | $335,000 | |
All In Credit Union
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Southeast Mortgage of Georgia, Inc.
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,065,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
Planet Home Lending, LLC
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VA | 1 | 0.5% | 100% | $415,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $325,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.5% | 100% | $715,000 | |
First Community Bank of Central Alabama
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Conventional | 1 | 0.5% | 100% | $35,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $455,000 | |
Towne Mortgage Company
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VA | 1 | 0.5% | 100% | $715,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $365,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.5% | 100% | $155,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.5% | 50% | $345,000 | View |
First Port City Bank
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Conventional | 1 | 0.5% | 100% | $95,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.5% | 100% | $3,505,000 | View |
Troy Bank and Trust
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Conventional | 1 | 0.5% | 100% | $635,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $75,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.5% | 100% | $585,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $635,000 | View |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Credit Union 1
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HELOC | 0 +1 HELOCs |
0% | n/a |
Laguna 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 Laguna Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Laguna Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Laguna Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Laguna Beach, FL
Use these to narrow the list above. Each category shows how many Laguna Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Laguna Beach, FL
Independent mortgage companies closed 51 percent of home loans in Laguna Beach, Florida in 2025, banks 38.4 percent and credit unions 10.6 percent. Freedom Mortgage Corporation was the largest mortgage company, Centennial Bank the largest bank and Tyndall Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Tyndall Federal Credit Union led with 3 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 Laguna Beach, FL
By home loans closed in 2025, Centennial Bank was the largest mortgage lender in Laguna Beach, Florida with 5 loans, about 2.5 percent of the market. The largest lender headquartered in Florida was Tyndall Federal Credit Union with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Laguna Beach, Florida in 2025, led by United Wholesale Mortgage with 4. 11 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. 46 banks and 15 credit unions closed home loans in Laguna Beach, Florida in 2025, alongside 43 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 Laguna 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 Laguna 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 Laguna 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.
