Mortgage Lenders and Brokers in Lake City, 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
Lake City, Florida mortgage lenders include First Federal BankFirst Federal Bank4705 W Us Highway 90, Lake City, FL 32055A+5.0 ★Texas Ratio: 1.10%, Millennium BankMillennium Bank514 Sthy 47, Lake City, FL 32025A5.0 ★Texas Ratio: 7.27%, Ameris BankAmeris Bank2357 Sthy 90 West, Lake City, FL 32055A+5.0 ★Texas Ratio: 1.82%, TD BankTD Bank160 Nw Main Blvd, Lake City, FL 32055A+5.0 ★Texas Ratio: 3.71%, Seacoast National BankSeacoast National Bank350 Sw Main Blvd, Lake City, FL 32025A+5.0 ★Texas Ratio: 2.72%, Campus USA Credit UnionCampus USA Credit Union1658 W US Highway 90, Lake City, FL 32055A+5.0 ★Texas Ratio: 2.45%, VyStar Credit UnionVyStar Credit Union411 NW Commons Loop, Lake City, FL 32055A5.0 ★Texas Ratio: 9.56%, Florida Credit UnionFlorida Credit Union583 W Duval St, Lake City, FL 32055 5802A+5.0 ★Texas Ratio: 4.76%, Triad Financial Services, Inc.Triad Financial Services, Inc.1209 Kingsway Rd, Brandon, FL 33510A+5.0 ★Texas Ratio: 5.93%, and Radiant Credit UnionRadiant Credit Union1605 W US Highway 90, Lake City, FL 32055 6125A+5.0 ★Texas Ratio: 3.03%. 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 Lake City, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lake City 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 Lake City, Florida
Market share is the lender's share of all home loans closed in Lake City, 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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2 offices in Lake City 4705 W Us Highway 90, Lake City, FL 32055 A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA, VA, USDA | 31 | 5.8% | 81.6% | $289,193 | View |
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2 offices in Lake City 514 Sthy 47, Lake City, FL 32025 A5.0 ★Texas Ratio: 7.27% |
Conventional | 5 | 0.9% | 85.7% | $99,000 | View |
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★ 4 stars, 1 review 1 office in Lake City 2357 Sthy 90 West, Lake City, FL 32055 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 2 | 0.4% | 100% | $240,000 | View |
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1 office in Lake City 160 Nw Main Blvd, Lake City, FL 32055 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +5 HELOCs |
0.2% | 50% | $165,000 | View |
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★ 5 stars, 1 review 1 office in Lake City 350 Sw Main Blvd, Lake City, FL 32025 A+5.0 ★Texas Ratio: 2.72% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $805,000 | View |
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1658 W US Highway 90, Lake City, FL 32055 A+5.0 ★Texas Ratio: 2.45% |
Conventional, HELOC | 26 +3 HELOCs |
4.9% | 83.9% | $193,076 | View |
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411 NW Commons Loop, Lake City, FL 32055 A5.0 ★Texas Ratio: 9.56% |
Conventional, FHA, HELOC | 21 +2 HELOCs |
4% | 57.9% | $165,952 | View |
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583 W Duval St, Lake City, FL 32055 5802 A+5.0 ★Texas Ratio: 4.76% |
Conventional, HELOC | 15 +14 HELOCs |
2.8% | 57.7% | $185,000 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 4 | 0.8% | 64.7% | $180,000 | View |
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1605 W US Highway 90, Lake City, FL 32055 6125 A+5.0 ★Texas Ratio: 3.03% |
Conventional, HELOC | 2 +16 HELOCs |
0.4% | 60% | $210,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, HELOC | 2 +1 HELOCs |
0.4% | 66.7% | $270,000 | 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 | 2 | 0.4% | 33.3% | $400,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 50% | $265,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $235,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 50% | $345,000 | View |
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5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | |
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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 | 8 | 1.5% | 81.8% | $297,500 | |
New Day Financial, LLC.
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VA | 6 | 1.1% | 80% | $280,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.4% | 26.7% | $40,000 | |
Acrisure Mortgage, LLC
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Conventional | 2 | 0.4% | 100% | $165,000 | |
PHH Mortgage Corporation
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FHA, VA | 2 | 0.4% | 100% | $255,000 | |
The Mortgage Firm
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FHA | 2 | 0.4% | 100% | $180,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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Conventional | 1 | 0.2% | 50% | $155,000 | |
Mortgage Lenders Investment Tr
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FHA | 1 | 0.2% | 100% | $205,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 55 +1 HELOCs |
10.4% | 93.3% | $289,545 | |
Rocket Mortgage
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Conventional, FHA, VA | 54 | 10.2% | 83.1% | $221,666 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 26 +1 HELOCs |
4.9% | 96.4% | $220,769 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 24 | 4.5% | 100% | $197,916 | |
Mortgage Research Center
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VA | 23 | 4.3% | 77.4% | $298,913 | |
American Financial Network, Inc.
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Conventional, FHA, VA | 21 | 4% | 95.5% | $222,619 | |
21St Mortgage
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Conventional | 18 | 3.4% | 32.8% | $132,222 | |
Affordable Mortgage Advisors
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Conventional, FHA, VA | 11 | 2.1% | 80% | $276,818 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 11 | 2.1% | 86.7% | $212,272 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 8 +1 HELOCs |
1.5% | 80% | $241,250 | |
loanDepot.com LLC
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Conventional, FHA, VA | 8 | 1.5% | 60% | $175,000 | |
RMC Home Mortgage, LLC
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Conventional, FHA, VA | 7 | 1.3% | 87.5% | $372,142 | |
Equity Prime Mortgage LLC
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Conventional, FHA, VA | 7 | 1.3% | 100% | $253,571 | |
New American Funding, LLC.
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Conventional, FHA | 7 | 1.3% | 77.8% | $237,857 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 0.9% | 100% | $197,000 | |
T2 Financial LLC
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FHA, VA | 5 | 0.9% | 100% | $307,000 | |
American Financial Resources LLC
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FHA | 4 | 0.8% | 100% | $192,500 | |
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A5.0 ★Texas Ratio: 8.10% |
FHA, VA | 4 | 0.8% | 57.1% | $327,500 | View |
Kind Lending, LLC
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Conventional, VA | 4 | 0.8% | 100% | $347,500 | |
Everett Financial, Inc.
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Conventional, FHA | 3 | 0.6% | 100% | $138,333 | |
Guild Mortgage Company
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Conventional, FHA, VA | 3 | 0.6% | 100% | $181,666 | |
Click n' Close, Inc.
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Conventional, FHA | 3 | 0.6% | 100% | $218,333 | |
Cardinal Financial Company, Li
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FHA | 3 | 0.6% | 100% | $271,666 | |
Nationstar Mortgage
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Conventional | 3 | 0.6% | 100% | $158,333 | |
Mortgage Solutions of Colorado
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VA | 3 | 0.6% | 100% | $358,333 | |
Fairway Independent Mort Corp
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Conventional, VA | 3 | 0.6% | 60% | $221,666 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 0.6% | 23.1% | $188,333 | |
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A+5.0 ★Texas Ratio: 0.00% |
FHA, VA | 3 | 0.6% | 27.3% | $218,333 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.4% | 66.7% | $305,000 | View |
Union Home Mortgage Corp.
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FHA, VA, HELOC | 2 +1 HELOCs |
0.4% | 40% | $215,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 40% | $95,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 2 | 0.4% | 100% | $105,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.4% | 16.7% | $140,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA | 2 | 0.4% | 100% | $95,000 | View |
Sun West Mortgage Company, Inc
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FHA | 2 | 0.4% | 75% | $185,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.4% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.4% | 66.7% | $390,000 | View |
Paramount Residential Mortgage
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Conventional, VA | 2 | 0.4% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 0.4% | 100% | $305,000 | View |
EMM Loans LLC
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Conventional | 1 | 0.2% | 100% | $345,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.2% | 33.3% | $515,000 | |
RANLife, Inc.
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FHA | 1 | 0.2% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.2% | 100% | $455,000 | View |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $305,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $105,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.2% | 50% | $435,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.2% | 100% | $195,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.2% | 100% | $295,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Nation One Mortgage Corporatio
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FHA | 1 | 0.2% | 100% | $285,000 | |
Oceanside Mortgage Company
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FHA | 1 | 0.2% | 100% | $295,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.2% | 20% | $85,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 50% | $185,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 33.3% | $375,000 | View |
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A+5.0 ★Texas Ratio: 5.98% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
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C+4.2 ★Texas Ratio: 24.99% |
VA | 1 | 0.2% | 100% | $375,000 | View |
Planet Home Lending, LLC
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Conventional | 1 | 0.2% | 50% | $285,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Nations Lending Corporation
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FHA | 1 | 0.2% | 100% | $225,000 | |
American Pacific Mortgage Corporation
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VA | 1 | 0.2% | 50% | $315,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.2% | 100% | $55,000 | |
New Fed Mortgage Corp.
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FHA | 1 | 0.2% | 100% | $205,000 | |
Gulf Coast Bank and Trust
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Conventional | 1 | 0.2% | 100% | $275,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $215,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.2% | 50% | $225,000 | |
Ussfcu
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Conventional | 1 | 0.2% | 100% | $95,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.2% | 100% | $115,000 | |
Northrop Grumman Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $65,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
FHA | 1 | 0.2% | 100% | $75,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.2% | 100% | $255,000 | View |
Geneva Financial LLC
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VA | 1 | 0.2% | 100% | $265,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.2% | 33.3% | $265,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 25% | $355,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.2% | 100% | $125,000 | |
JMAC Lending, Inc.
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FHA | 1 | 0.2% | 100% | $225,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 50% | ||
Delta Community Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
All In Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lake City 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 Lake City, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Lake City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lake City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lake City, FL
Use these to narrow the list above. Each category shows how many Lake City, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Lake City, FL
Independent mortgage companies closed 74 percent of home loans in Lake City, Florida in 2025, banks 10.9 percent and credit unions 15.1 percent. Triad Financial Services, Inc. was the largest mortgage company, First Federal Bank the largest bank and Campus USA Credit Union the largest credit union. Among lenders headquartered in Florida, First Federal Bank led with 31 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 Lake City, FL
By home loans closed in 2025, First Federal Bank was the largest mortgage lender in Lake City, Florida with 31 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Lake City, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 93.3 percent, against a 71.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
47 lenders closed FHA loans in Lake City, Florida in 2025, led by United Wholesale Mortgage with 29. 32 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 23 banks and 15 credit unions closed home loans in Lake City, Florida in 2025, alongside 77 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 Lake City, 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 Lake City, 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 Lake City. 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.
