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Mortgage Lenders and Brokers in Lakeland, Florida

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Lakeland, Florida mortgage lenders include Midflorida Credit UnionMidflorida Credit Union129 S Kentucky Ave, Lakeland, FL 33801A+5.0 ★Texas Ratio: 3.18%, Southstate Bank, National AssociationSouthstate Bank, National Association4719 S Florida Ave, Lakeland, FL 33813A+5.0 ★Texas Ratio: 2.27%, Citizens Bank and TrustCitizens Bank and Trust1985 E Edgewood Dr, Lakeland, FL 33803D2.1 ★Texas Ratio: 5.22%, Bank Of Central FloridaBank Of Central Florida101 South Florida Avenue, Lakeland, FL 33801A+5.0 ★Texas Ratio: 1.81%, Wells Fargo Bank NAWells Fargo Bank NA113 S Tennessee Ave, Lakeland, FL 33801A+5.0 ★Texas Ratio: 5.36%, Regions BankRegions Bank4535 S Florida Ave, Lakeland, FL 33813A+5.0 ★Texas Ratio: 4.37%, Bank of America NABank of America NA4330 Us Highway 98 N, Lakeland, FL 33809A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4820 S Florida Ave, Lakeland, FL 33813A+5.0 ★Texas Ratio: 3.68%, Publix Employees Federal Credit UnionPublix Employees Federal Credit Union3005 New Tampa Hwy, Lakeland, FL 33815 3468A+5.0 ★Texas Ratio: 2.50%, and Truist BankTruist Bank1215 N Parkway Frontage Rd, Lakeland, FL 33803A+5.0 ★Texas Ratio: 2.87%. 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 Lakeland, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lakeland 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 Lakeland, Florida

Market share is the lender's share of all home loans closed in Lakeland, 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
Midflorida Credit Union ★ 1 stars, 1 review 129 S Kentucky Ave, Lakeland, FL 33801 A+5.0 ★Texas Ratio: 3.18%	Conventional, Jumbo, HELOC	154 +99 HELOCs	6.7%	61.2%	$176,428	View
Southstate Bank, National Association ★ 5 stars, 1 review 2 offices in Lakeland 4719 S Florida Ave, Lakeland, FL 33813 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, Jumbo, HELOC	27 +14 HELOCs	1.2%	82.4%	$241,666	View
Citizens Bank and Trust 3 offices in Lakeland 1985 E Edgewood Dr, Lakeland, FL 33803 D2.1 ★Texas Ratio: 5.22%	Conventional, Jumbo	21	0.9%	78.6%	$333,571	View
Bank Of Central Florida 1 office in Lakeland 101 South Florida Avenue, Lakeland, FL 33801 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo	13	0.6%	88.2%	$481,153	View
Wells Fargo Bank NA 4 offices in Lakeland 113 S Tennessee Ave, Lakeland, FL 33801 A+5.0 ★Texas Ratio: 5.36%	Conventional	11	0.5%	68.8%	$133,181	View
Regions Bank 2 offices in Lakeland 4535 S Florida Ave, Lakeland, FL 33813 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	9 +18 HELOCs	0.4%	45.5%	$286,111	View
Bank of America NA 3 offices in Lakeland 4330 Us Highway 98 N, Lakeland, FL 33809 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	9 +16 HELOCs	0.4%	83.3%	$580,555	View
JPMorgan Chase Bank, NA 2 offices in Lakeland 4820 S Florida Ave, Lakeland, FL 33813 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	9 +2 HELOCs	0.4%	75%	$339,444	View
Publix Employees Federal Credit Union 3005 New Tampa Hwy, Lakeland, FL 33815 3468 A+5.0 ★Texas Ratio: 2.50%	Conventional	8	0.3%	78.6%	$216,250	View
Truist Bank ★ 1 stars, 1 review 5 offices in Lakeland 1215 N Parkway Frontage Rd, Lakeland, FL 33803 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, HELOC	6 +28 HELOCs	0.3%	100%	$260,000	View
Fifth Third Bank, National Association 3 offices in Lakeland 4012 Lakeland Hills Blvd, Lakeland, FL 33805 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	4 +12 HELOCs	0.2%	40%	$157,500	View
Crews Bank & Trust 1 office in Lakeland 221 E Main St, Lakeland, FL 33801 A+5.0 ★Texas Ratio: 0.31%	Conventional	2	0.1%	66.7%	$205,000	View
Valley National Bank 1 office in Lakeland 427 S Florida Ave, Lakeland, FL 33801 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$95,000	View
Centennial Bank 1 office in Lakeland 440 S Florida Ave, Lakeland, FL 33801 A+5.0 ★Texas Ratio: 3.14%	Conventional	1	0%	100%	$215,000	View
TD Bank 1 office in Lakeland 4400 S Florida Ave, Lakeland, FL 33813 A+5.0 ★Texas Ratio: 3.71%	HELOC	0 +9 HELOCs	0%	0%		View
Suncoast Credit Union 919 Lakeland Park Center Dr Unit 360, Lakeland, FL 33809 3847 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	22 +45 HELOCs	1%	92%	$331,818	View
Triad Financial Services, Inc. 2315 Drane Field Rd, Lakeland, FL 33811 A+5.0 ★Texas Ratio: 5.93%	Conventional	17	0.7%	44.1%	$66,764	View
Gte Federal Credit Union 1275 Oakbridge Pkwy, Lakeland, FL 33803 A5.0 ★Texas Ratio: 7.65%	Conventional, HELOC	12 +3 HELOCs	0.5%	63.2%	$160,833	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, HELOC	5 +2 HELOCs	0.2%	55.6%	$251,000	View
Floridacentral Credit Union 4630 S Florida Ave, Lakeland, FL 33813 2122 A+5.0 ★Texas Ratio: 5.46%	Conventional, HELOC	4 +1 HELOCs	0.2%	80%	$135,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +6 HELOCs	0.1%	60%	$198,333	View
Fairwinds Credit Union 891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64%	Conventional, HELOC	3 +1 HELOCs	0.1%	75%	$165,000	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional	3	0.1%	100%	$391,666	View
Partners Federal Credit Union 5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65%	Conventional	3	0.1%	100%	$125,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional	2	0.1%	100%	$240,000	View
Florida Capital Bank, N.A 241 Sw 7th Ter, Gainesville, FL 32601	Conventional	2	0.1%	100%	$125,000
VyStar Credit Union 16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56%	Conventional, VA, Jumbo	2	0.1%	100%	$465,000	View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	FHA, HELOC	1 +4 HELOCs	0%	100%	$245,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	1 +2 HELOCs	0%	50%	$105,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	FHA, HELOC	1 +1 HELOCs	0%	100%	$295,000	View
Campus USA Credit Union 14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$75,000	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	VA	1	0%	100%	$305,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0%	25%	$685,000	View
Amerant Mortgage LLC 3001 Aventura Blvd, Aventura, FL 33180 B+4.7 ★Texas Ratio: 18.65%	Conventional	1	0%	100%	$555,000	View
Trax Federal Credit Union 2315 Drane Field Rd, Lakeland, FL 33811 A+5.0 ★Texas Ratio: 5.93%	Conventional	1	0%	33.3%	$115,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	FHA	1	0%	100%	$285,000	View
Addition Financial Credit Union 847 S Orange Blossom Trl, Apopka, FL 32703 A5.0 ★Texas Ratio: 6.85%	Conventional	1	0%	100%	$65,000	View
Tampa Bay Federal Credit Union 11210 E Martin Luther King Blvd, Seffner, FL 33584 8359	Conventional	1	0%	100%	$145,000
Usf Credit Union 16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0%	100%	$205,000	View
Capital Bank, N.A. 550 South Andrews Avenue Suite 640, Fort Lauderdale, FL 33301 A-5.0 ★Texas Ratio: 15.49%	Conventional	1	0%	100%	$305,000	View
Gulf Winds Credit Union 11 Preston Cir, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0%	100%	$185,000	View
Grow Financial Federal Credit Union 11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70%	Conventional	1	0%	100%	$105,000	View
Colony Bank 10970 San Jose Boulevard, Jacksonville, FL 32223 A+5.0 ★Texas Ratio: 4.01%	Conventional	1	0%	100%	$565,000	View
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	Conventional	1	0%	100%	$325,000	View
BMO Harris Bank NA 5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0%	50%	$105,000	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	VA	1	0%	100%	$605,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +7 HELOCs	0%	n/a		View
Community Credit Union of Florida 660 West Ave, Cocoa, FL 32927 4971 A+5.0 ★Texas Ratio: 1.43%	HELOC	0 +3 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +3 HELOCs	0%	n/a		View
Trustco Bank ★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	50%		View
Achieva Credit Union 4254 53rd Ave E, Bradenton, FL 34203 A+5.0 ★Texas Ratio: 2.57%	HELOC	0 +1 HELOCs	0%	n/a		View
WSFS bank 980 North Federal Highway Suite 110 30, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +1 HELOCs	0%	n/a		View
Freedom Mortgage Corporation	Conventional, FHA, VA	52	2.3%	82.9%	$304,423
Lakeview Loan Servicing, LLC	Conventional, FHA	14	0.6%	44.7%	$190,714
The Mortgage Firm	Conventional, FHA, VA	11	0.5%	100%	$310,454
Acrisure Mortgage, LLC	Conventional, FHA, VA	8	0.3%	100%	$288,750
New Day Financial, LLC.	VA	7	0.3%	53.8%	$255,000
Alkan Mortgage Corporation	FHA, VA	5	0.2%	85.7%	$311,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	4	0.2%	80%	$390,000	View
Reliable Holdings Manager dba Lendz Financial	Conventional	4	0.2%	100%	$232,500
Fairway Funding Group, Inc	Conventional, FHA	3	0.1%	100%	$395,000
PHH Mortgage Corporation	FHA	1	0%	66.7%	$265,000
Citizens First Bank	Conventional	1	0%	100%	$155,000
Mortgage Lenders Investment Tr	Conventional	1	0%	100%	$155,000
Bayfirst Financial A5.0 ★Texas Ratio: 10.20%	HELOC	0 +4 HELOCs	0%	0%		View
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	307 +9 HELOCs	13.4%	85.2%	$295,000
Rocket Mortgage	Conventional, FHA, VA	217	9.5%	81.3%	$216,290
M/I Financial. LLC	Conventional, FHA, VA	64	2.8%	98.7%	$415,000
DHI Mortgage Company, LTD.	Conventional, FHA, VA	59	2.6%	83.1%	$327,542
Pennymac Loan Services LLC	Conventional, FHA, VA	56	2.4%	78.4%	$255,535
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA, VA, Jumbo	44	1.9%	91.7%	$308,409	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	43	1.9%	91.5%	$243,837	View
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	37 +2 HELOCs	1.6%	97.4%	$292,027
Mortgage Research Center	VA	36	1.6%	60%	$326,111
Everett Financial, Inc.	Conventional, FHA, Jumbo, HELOC	31 +1 HELOCs	1.4%	91.7%	$240,483
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	31	1.4%	66%	$276,935	View
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	28	1.2%	89.2%	$211,071
Nationstar Mortgage	Conventional, FHA, VA	27	1.2%	73%	$138,703
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	26 +9 HELOCs	1.1%	72.2%	$245,384
loanDepot.com LLC	Conventional, FHA, VA, HELOC	24 +2 HELOCs	1%	61.5%	$187,916
New American Funding, LLC.	Conventional, FHA, VA, HELOC	24 +1 HELOCs	1%	80%	$238,750
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	23 +1 HELOCs	1%	100%	$321,956
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA, VA	22	1%	62.2%	$335,909
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	20 +1 HELOCs	0.9%	95.2%	$302,500
Guaranteed Rate, Inc.	Conventional, FHA, VA	18	0.8%	94.7%	$242,222
Equity Prime Mortgage LLC	FHA, VA	18	0.8%	90%	$272,222
Gardner Financial Services	Conventional, FHA	18	0.8%	100%	$268,888
21St Mortgage	Conventional	18	0.8%	36.5%	$67,777
Cornerstone First Mortgage, LLC	Conventional, FHA, VA, Jumbo	17	0.7%	100%	$238,529
Kind Lending, LLC	Conventional, FHA, VA	17	0.7%	69.2%	$265,000
Zillow Home Loans, LLC	Conventional, FHA, VA	17	0.7%	94.4%	$265,000
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	16	0.7%	100%	$348,125
Kbhs Home Loans, LLC	Conventional, FHA, VA, USDA	15	0.7%	83.3%	$287,666
American Liberty Mortgage Inco	Conventional, FHA, VA	15	0.7%	100%	$206,333
Click n' Close, Inc.	Conventional, FHA	15	0.7%	88.2%	$220,333
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	14	0.6%	50%	$319,285
Neighborhood Loans, Inc	Conventional	13	0.6%	31.8%	$13,461
American Financial Network, Inc.	Conventional, FHA, VA	13	0.6%	92.9%	$280,384
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA	13	0.6%	81.2%	$228,846	View
Stockton Mortgage Corporation	Conventional, FHA, VA	13	0.6%	100%	$296,538
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	13	0.6%	51.6%	$173,461	View
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA, VA	12	0.5%	87.5%	$189,166
American Financial Resources LLC	Conventional, FHA, VA	11	0.5%	91.7%	$246,818
American Pacific Mortgage Corporation	Conventional, FHA, VA	11	0.5%	84.6%	$285,909
Amerisave Mortgage Company	Conventional, FHA	10	0.4%	20.8%	$101,000
Planet Home Lending, LLC	Conventional, FHA, VA	10	0.4%	83.3%	$349,000
Mutual of Omaha Mortgage	Conventional, FHA	10	0.4%	85.7%	$185,000
The Loan Store, Inc	Conventional, FHA, VA, HELOC	9 +10 HELOCs	0.4%	92.9%	$309,444
Spring Eq, LLC	Conventional, HELOC	9 +6 HELOCs	0.4%	32.1%	$58,333
Primelending	Conventional, FHA, VA	9	0.4%	100%	$331,666
Resicentral LLC	Conventional, FHA, VA	9	0.4%	100%	$278,333
Point Mortgage Corp	Conventional, FHA	8	0.3%	100%	$217,500
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	8	0.3%	80%	$271,250	View
Village Capital & Investment	VA	8	0.3%	57.1%	$340,000
JMAC Lending, Inc.	Conventional, FHA, VA	8	0.3%	80%	$317,500
Premier Mortgage Resources, LLC	Conventional, FHA	7	0.3%	100%	$140,714
Preferred Lending Services, LLC	Conventional, FHA	7	0.3%	87.5%	$200,714
Nfm, Inc	Conventional, FHA, VA	7	0.3%	100%	$352,142
Paramount Residential Mortgage	Conventional, FHA	7	0.3%	77.8%	$315,000
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	7	0.3%	100%	$307,857
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA	6	0.3%	100%	$323,333
Discover Bank	Conventional	6	0.3%	19.4%	$83,333
Cardinal Financial Company, Li	Conventional, FHA	6	0.3%	91.7%	$326,666
Premier Lending Inc.	Conventional, FHA, VA	6	0.3%	100%	$220,000
Fairway Independent Mort Corp	Conventional, FHA	6	0.3%	85.7%	$216,666
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	6	0.3%	85.7%	$138,333	View
Plaza Home Mortgage, Inc	Conventional, FHA	6	0.3%	60%	$166,666
Equity Resources Inc	Conventional, FHA	5	0.2%	100%	$255,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, FHA	5	0.2%	100%	$247,000	View
VanDyk Mortgage Corporation	Conventional, FHA, VA	5	0.2%	100%	$251,000
Waterstone Mortgage Corporation	Conventional, FHA, VA	5	0.2%	100%	$219,000
Lake Michigan Credit Union	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.2%	57.1%	$307,500
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA, HELOC	4 +1 HELOCs	0.2%	100%	$182,500
DFCU Financial	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.2%	100%	$747,500
SWBC Mortgage Corporation	Conventional, VA	4	0.2%	100%	$305,000
Loanunited.Com, LLC	FHA	4	0.2%	100%	$310,000
Filo Mortgage, LLC	Conventional, FHA	4	0.2%	100%	$177,500
Mid-Continent Funding, Inc.	VA	4	0.2%	100%	$285,000
Calcon Mutual Mortgage LLC	Conventional, FHA	4	0.2%	80%	$222,500
Ameritrust Mortgage Corporation	FHA	4	0.2%	100%	$297,500
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional	4	0.2%	100%	$192,500	View
Top Flite Financial, Inc.	FHA	4	0.2%	100%	$195,000
Goodleap, LLC	FHA, HELOC	3 +3 HELOCs	0.1%	62.5%	$175,000
Pentagon Federal Credit Union	Conventional, HELOC	3 +2 HELOCs	0.1%	50%	$195,000
Better Mortgage Corporation	Conventional, FHA, HELOC	3 +1 HELOCs	0.1%	75%	$301,666
Guaranteed Rate Affinity, LLC	Conventional	3	0.1%	75%	$255,000
Michigan Mutual, Inc	Conventional, FHA	3	0.1%	60%	$225,000
Sun West Mortgage Company, Inc	FHA	3	0.1%	66.7%	$275,000
Securitynational Mortgage Company	FHA, VA	3	0.1%	75%	$178,333
Homeowners Financial Group, LLC	Conventional, FHA	3	0.1%	100%	$418,333
My Mortgage, Inc	FHA	3	0.1%	100%	$305,000
Churchill Mortgage Corporation	Conventional	3	0.1%	100%	$171,666
Nations Lending Corporation	FHA, VA	3	0.1%	100%	$311,666
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	3	0.1%	66.7%	$205,000	View
Southwest Stage Funding LLC	FHA	3	0.1%	100%	$311,666
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	3	0.1%	100%	$525,000	View
Nexera Holding LLC	Conventional	3	0.1%	100%	$318,333
Leaderone Financial Corp.	Conventional, FHA	3	0.1%	75%	$175,000
Valon Mortgage	Conventional, FHA, HELOC	2 +3 HELOCs	0.1%	100%	$145,000
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	2 +2 HELOCs	0.1%	66.7%	$430,000
EMM Loans LLC	Conventional	2	0.1%	100%	$390,000
Royal United Mortgage LLC	Conventional	2	0.1%	66.7%	$225,000
Sage Home Loans Corporation	Conventional, FHA	2	0.1%	100%	$320,000
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA	2	0.1%	50%	$125,000
AdvantageFirst Lending Inc	FHA, VA	2	0.1%	50%	$345,000
HomeXpress Mortgage Corp.	Conventional	2	0.1%	50%	$385,000
NJ Lenders Corp	FHA	2	0.1%	100%	$345,000
Flexpoint, Inc.	Conventional, FHA	2	0.1%	100%	$500,000
Geneva Financial LLC	Conventional, FHA	2	0.1%	66.7%	$145,000
Stg Mortgage Inc	Conventional, FHA	2	0.1%	100%	$305,000
Mission Loans, LLC	Conventional	2	0.1%	100%	$225,000
Mortgage Solutions of Colorado	FHA, VA	2	0.1%	100%	$265,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$155,000
Citadel Servicing Corporation	Conventional	2	0.1%	100%	$285,000
Meadowbrook Financial Mortgage Bankers Corp.	FHA	2	0.1%	100%	$325,000
Gershman Investment Corp.	FHA, VA	2	0.1%	100%	$270,000
Champions Funding, LLC	Conventional	2	0.1%	50%	$265,000
Tammac Holdings Corporation	Conventional	2	0.1%	40%	$35,000
Usalliance Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$275,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, HELOC	1 +1 HELOCs	0%	66.7%	$25,000
Citadel Federal Credit Union	Conventional	1	0%	100%	$285,000
Arc Home LLC	Conventional	1	0%	100%	$205,000
Verus A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0%	100%	$65,000	View
American Portfolio Mortgage Corporation	Conventional	1	0%	100%	$185,000
First Community Mortgage, Inc.	Conventional	1	0%	100%	$235,000
Primary Residential Mortgage, INC.	Conventional	1	0%	100%	$295,000
Canopy Mortgage, LLC	FHA	1	0%	100%	$285,000
NOVA Financial & Investment Corporation	FHA	1	0%	100%	$315,000
MortgageOne, Inc	VA	1	0%	100%	$145,000
All Credit Considered Mortgage, Inc.	Conventional	1	0%	100%	$255,000
BankSouth Mortgage Company LLC	Conventional	1	0%	100%	$275,000
Nbkc Bank	Conventional	1	0%	100%	$345,000
ALCOVA Mortgage, LLC	FHA	1	0%	100%	$245,000
Loansteady LLC	FHA	1	0%	100%	$295,000
Bond Street Mortgage, LLC	Conventional	1	0%	100%	$385,000
Deephaven Mortgage LLC	Conventional	1	0%	50%	$255,000
Loyal Trust Bank	Conventional	1	0%	100%	$215,000
City Lending Inc. A+5.0 ★Texas Ratio: 1.71%	FHA	1	0%	100%	$335,000	View
AmWest Funding Corp	Conventional	1	0%	50%	$215,000
Success Mortgage Partners, Inc	Conventional	1	0%	100%	$175,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0%	50%	$165,000
Trustone Financial Credit Union	Conventional	1	0%	100%	$125,000
Oceanside Mortgage Company	FHA	1	0%	100%	$265,000
Credit Human Federal Credit Un	Conventional	1	0%	50%	$35,000
ClearPath Lending	VA	1	0%	50%	$195,000
myCUmortgage	FHA	1	0%	100%	$375,000
Bay Equity LLC	FHA	1	0%	100%	$245,000
Midwest Mortgage Associates Corp	FHA	1	0%	100%	$245,000
3rd Street Financial Corp	Conventional	1	0%	100%	$225,000
Delta Community Credit Union	Conventional	1	0%	100%	$35,000
First Option Mortgage, LLC	FHA	1	0%	100%	$295,000
Thomasville National Bank	Conventional	1	0%	100%	$255,000
Servis One, Inc	FHA	1	0%	100%	$325,000
Evergreen Moneysource Mortgage Company	Conventional	1	0%	100%	$245,000
Embrace Home Loans, Inc.	FHA	1	0%	100%	$275,000
Teachers Federal Credit Union	Conventional	1	0%	100%	$125,000
Provident Funding Associates	Conventional	1	0%	100%	$435,000
T2 Financial LLC	FHA	1	0%	100%	$185,000
Mortgage Equity Partners LLC	FHA	1	0%	100%	$125,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0%	100%	$765,000	View
BoxCar Mortgage, LLC	FHA	1	0%	100%	$265,000
Hometown Equity Mortgage, LLC	Conventional	1	0%	100%	$425,000
Together Credit Union A+5.0 ★Texas Ratio: 4.25%	Conventional	1	0%	100%	$45,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0%	100%	$725,000	View
First Western Federal Savings Bank	Conventional	1	0%	100%	$55,000
Towne Mortgage Company	Conventional	1	0%	100%	$75,000
Tjc Mortgage Inc	Conventional, Jumbo	1	0%	100%	$955,000
Uif Corporation	Conventional	1	0%	100%	$215,000
Park Lane Finance SolutionsLLC	Conventional	1	0%	50%	$45,000
Iserve Residential Lending	FHA	1	0%	100%	$315,000
Notre Dame Federal Credit Union	Conventional	1	0%	100%	$45,000
Keystone Funding, Inc	Conventional	1	0%	100%	$355,000
Firstbank A5.0 ★Texas Ratio: 7.51%	Conventional	1	0%	100%	$245,000	View
Nations Direct Mortgage, LLC	FHA	1	0%	100%	$295,000
Summit Funding.Inc	Conventional	1	0%	50%	$435,000
Fall River Five Cents Savings A5.0 ★Texas Ratio: 7.62%	Conventional	1	0%	100%	$325,000	View
Leaders Credit Union A+5.0 ★Texas Ratio: 0.22%	FHA	1	0%	100%	$205,000	View
Nmsi, Inc.	FHA	1	0%	100%	$335,000
Local Bank A5.0 ★Texas Ratio: 8.28%	FHA	1	0%	100%	$245,000	View
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo	1	0%	100%	$1,185,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	1	0%	100%	$275,000	View
Reliance First Capital, LLC	FHA	1	0%	100%	$195,000
Texana Bank	VA	1	0%	100%	$305,000
Loan Simple, Inc.	Conventional	1	0%	100%	$215,000
University Federal Credit Union A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0%	100%	$295,000	View
Polish & Slavic Federal Credit	Conventional	1	0%	100%	$265,000
Cake Mortgage Corp.	Conventional	1	0%	100%	$235,000
Coastal Community Bank	HELOC	0 +19 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +16 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +4 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	HELOC	0 +1 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Corning Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lafayette Federal Credit Union A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +1 HELOCs	0%	n/a		View
All In Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Nasa Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Bank Ozk	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Lakeland Mortgage Rate Trends

Daily average mortgage rates for Florida compared with the national average, updated every evening.

30-Year Fixed FL Avg

7.306%

▲ 0.071 vs 7 days ago

15-Year Fixed FL Avg

6.730%

▲ 0.011 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Lakeland, Florida

Looking for mortgage lenders near me or mortgage brokers near me in Lakeland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lakeland in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Lakeland, FL

Use these to narrow the list above. Each category shows how many Lakeland, FL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 157 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 61 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 42 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 118 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 69 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 17 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 41 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Lakeland, FL

Independent mortgage companies closed 78 percent of home loans in Lakeland, Florida in 2025, banks 10.4 percent and credit unions 11.6 percent. Triad Financial Services, Inc. was the largest mortgage company, Southstate Bank, National Association the largest bank and Midflorida Credit Union the largest credit union. Among lenders headquartered in Florida, Midflorida Credit Union led with 154 loans.

78%

Mortgage companies

10.4%

Banks

11.6%

Credit unions

29%

FHA loans

13%

VA 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

All Florida lenders 1,647 lenders Jacksonville 444 lenders Port St. Lucie 359 lenders Cape Coral 422 lenders Tampa 363 lenders Lehigh Acres 298 lenders Orlando 345 lenders St. Cloud 266 lenders St. Petersburg 346 lenders Palm Bay 258 lenders Spring Hill 261 lenders Tallahassee 233 lenders Lakewood Ranch 319 lenders

Frequently Asked Questions About Mortgage Lenders in Lakeland, FL

Who is the largest mortgage lender in Lakeland, FL?

By home loans closed in 2025, Midflorida Credit Union was the largest mortgage lender in Lakeland, Florida with 154 loans, about 6.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Lakeland, FL have the highest approval rates?

Among lenders with meaningful volume in Lakeland, Florida, M/I Financial. LLC approved the highest share of completed applications in 2025 at 98.7 percent, against a 75.3 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.

Which Lakeland, FL mortgage lenders offer FHA, VA and USDA loans?

118 lenders closed FHA loans in Lakeland, Florida in 2025, led by United Wholesale Mortgage with 113. 69 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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.

Are credit unions and local banks included in this Lakeland, FL lender list?

Yes. 61 banks and 42 credit unions closed home loans in Lakeland, Florida in 2025, alongside 157 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.

How are mortgage lenders in Lakeland, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Lakeland, 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 Lakeland, 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 Lakeland. 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.