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Mortgage Lenders and Brokers in Land O' Lakes, Florida

Content reviewed by

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

Land O' Lakes, Florida mortgage lenders include Suncoast Credit UnionSuncoast Credit Union1328 E Oak St, Arcadia, FL 34266A5.0 ★Texas Ratio: 6.26%, Midflorida Credit UnionMidflorida Credit Union1199 Spring Centre South Blvd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.18%, Gte Federal Credit UnionGte Federal Credit Union7375 University Pkwy, Bradenton, FL 34202 2300A5.0 ★Texas Ratio: 7.65%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, Usf Credit UnionUsf Credit Union16032 Preserve Marketplace Blvd, Odessa, FL 33556A+5.0 ★Texas Ratio: 5.76%, 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 Land O' Lakes, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Land O' Lakes 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 Land O' Lakes, Florida

Market share is the lender's share of all home loans closed in Land O' Lakes, 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
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	26 +113 HELOCs	1.8%	81.2%	$365,769	View
Midflorida Credit Union ★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18%	Conventional, HELOC	21 +7 HELOCs	1.5%	63.2%	$148,809	View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	Conventional, HELOC	21 +2 HELOCs	1.5%	78.6%	$235,476	View
JPMorgan Chase Bank, NA 500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	17 +3 HELOCs	1.2%	94.4%	$273,823	View
Truist Bank ★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, Jumbo, HELOC	8 +20 HELOCs	0.6%	100%	$397,500	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	8 +14 HELOCs	0.6%	60%	$218,750	View
Regions Bank 360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	7 +9 HELOCs	0.5%	56.2%	$342,142	View
Wells Fargo Bank NA 1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36%	Conventional	7	0.5%	70%	$262,142	View
Usf Credit Union 16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	6 +5 HELOCs	0.4%	100%	$266,666	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional, FHA, Jumbo	6	0.4%	85.7%	$588,333	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	5 +2 HELOCs	0.3%	50%	$99,000	View
Trustco Bank ★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +2 HELOCs	0.3%	100%	$541,000	View
Bank of America NA 460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	4 +22 HELOCs	0.3%	100%	$357,500	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	4 +14 HELOCs	0.3%	44.4%	$357,500	View
Achieva Credit Union 4254 53rd Ave E, Bradenton, FL 34203 A+5.0 ★Texas Ratio: 2.57%	Conventional, HELOC	4 +9 HELOCs	0.3%	80%	$410,000	View
Grow Financial Federal Credit Union 11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70%	Conventional	4	0.3%	100%	$167,500	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.2%	100%	$441,666	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41%	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$371,666	View
Republic Bank & Trust 12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91%	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$515,000	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional	3	0.2%	100%	$438,333	View
Centennial Bank 22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14%	Conventional, FHA	3	0.2%	75%	$351,666	View
Floridacentral Credit Union 701 9th St W, Bradenton, FL 34205 8656 A+5.0 ★Texas Ratio: 5.46%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$65,000	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%	Conventional, HELOC	1 +8 HELOCs	0.1%	100%	$375,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	1 +4 HELOCs	0.1%	50%	$445,000	View
Florida Credit Union 10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$75,000	View
Radifi Federal Credit Union 801 Atlantic Blvd, Atlantic Beach, FL 32233	Conventional	1	0.1%	100%	$85,000
Terrabank N.A. 1533 Sunset Dr, Coral Gables, FL 33143 A+5.0 ★Texas Ratio: 0.83%	Conventional	1	0.1%	100%	$245,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	VA	1	0.1%	100%	$465,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$265,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional	1	0.1%	100%	$645,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$465,000	View
Brannen Bank 3930 N Lecanto Hwy, Beverly Hills, FL 34465 D1.6 ★Texas Ratio: 7.63%	Conventional	1	0.1%	100%	$105,000	View
Bankplus 4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80%	Conventional	1	0.1%	100%	$655,000	View
The Bank of Tampa 10650 Boardwalk Loop, Bradenton, FL 34202 A+5.0 ★Texas Ratio: 2.04%	Conventional	1	0.1%	100%	$65,000	View
VyStar Credit Union 16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56%	Conventional	1	0.1%	100%	$705,000	View
Metro City Bank 6202 Commerce Palms Dr, Tampa, FL 33647 A+5.0 ★Texas Ratio: 3.17%	Conventional	1	0.1%	100%	$245,000	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$315,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +4 HELOCs	0%	n/a		View
Southstate Bank, National Association ★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27%	HELOC	0 +2 HELOCs	0%	n/a		View
Tampa Postal FCU 959 E Brandon Blvd, Brandon, FL 33511 A+5.0 ★Texas Ratio: 0.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Servisfirst Bank 316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75%	HELOC	0 +1 HELOCs	0%	n/a		View
Capital City Bank 15000 Nw 140th St, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.55%	HELOC	0 +1 HELOCs	0%	n/a		View
Pinnacle Bank 130 S Park Ave, Apopka, FL 32703 A+5.0 ★Texas Ratio: 3.04%	HELOC	0 +1 HELOCs	0%	n/a		View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Lennar Mortgage, LLC	Conventional, FHA, VA	28	2%	77.8%	$309,285
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	21	1.5%	81.8%	$471,666
The Mortgage Firm	Conventional, FHA	15	1%	100%	$402,333
Trailblazer Mortgage L.L.C.	Conventional, FHA	12	0.8%	100%	$294,166
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	10	0.7%	39.5%	$356,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	3	0.2%	100%	$448,333	View
LoanFlight Lending, LLC.	Conventional	3	0.2%	60%	$541,666
New Day Financial, LLC.	VA	3	0.2%	50%	$288,333
Home Access Financial, LLC	Conventional, FHA	3	0.2%	100%	$385,000
Acrisure Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$425,000
First Equity Mortgage Bankers Inc.	Conventional	2	0.1%	100%	$310,000
Bayfirst Financial A5.0 ★Texas Ratio: 10.20%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$95,000	View
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional	1	0.1%	100%	$385,000	View
Americas Mortgage Professionals, LLC	VA	1	0.1%	100%	$465,000
Obsidian Financial Services	VA	1	0.1%	100%	$175,000
Nqm Funding, LLC	Conventional	1	0.1%	50%	$265,000
Metroplex Mortgage Services	Conventional	1	0.1%	100%	$365,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	167 +5 HELOCs	11.7%	91.1%	$411,467
DHI Mortgage Company, LTD.	Conventional, FHA, VA, USDA	148	10.3%	92.5%	$396,554
Rocket Mortgage	Conventional, FHA, VA	128	9%	86.2%	$265,390
Kbhs Home Loans, LLC	Conventional, FHA, VA	41	2.9%	89.6%	$360,853
Pennymac Loan Services LLC	Conventional, FHA	37	2.6%	82.2%	$305,000
Nvr Mortgage Finance, Inc.	Conventional, FHA	32	2.2%	78%	$299,687
M/I Financial. LLC	Conventional, FHA, VA	31	2.2%	100%	$554,032
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	27 +3 HELOCs	1.9%	100%	$473,888
Mortgage Research Center	Conventional, VA, Jumbo	26	1.8%	78.8%	$530,769
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	24	1.7%	70.6%	$353,750	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	22 +7 HELOCs	1.5%	65.7%	$289,090
Pulte Mortgage LLC	Conventional, Jumbo	21	1.5%	91.3%	$508,333
The Loan Store, Inc	Conventional, FHA, HELOC	17 +5 HELOCs	1.2%	85.7%	$330,294
Nationstar Mortgage	Conventional, FHA, VA	14	1%	75%	$211,428
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo	13	0.9%	81.2%	$381,923
loanDepot.com LLC	Conventional, FHA, HELOC	12 +3 HELOCs	0.8%	75%	$204,166
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	12 +2 HELOCs	0.8%	100%	$439,166
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, USDA	12	0.8%	100%	$364,166	View
Click n' Close, Inc.	Conventional, FHA	12	0.8%	100%	$274,166
Guaranteed Rate, Inc.	Conventional, FHA, VA	11	0.8%	84.6%	$402,272
Amerisave Mortgage Company	Conventional, FHA, HELOC	10 +1 HELOCs	0.7%	33.3%	$129,000
Union Home Mortgage Corp.	Conventional, FHA, Jumbo, HELOC	10 +1 HELOCs	0.7%	100%	$464,000
Nfm, Inc	Conventional, FHA	10	0.7%	100%	$371,000
New American Funding, LLC.	Conventional, FHA, VA, HELOC	9 +2 HELOCs	0.6%	75%	$378,333
Everett Financial, Inc.	Conventional, FHA, VA, Jumbo	9	0.6%	100%	$382,777
Cardinal Financial Company, Li	Conventional, FHA	9	0.6%	90%	$383,888
JMAC Lending, Inc.	Conventional, FHA, VA	9	0.6%	100%	$367,222
Kind Lending, LLC	Conventional, FHA, VA	8	0.6%	88.9%	$330,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	8	0.6%	66.7%	$147,500	View
Paramount Residential Mortgage	Conventional, FHA, VA	8	0.6%	100%	$325,000
Gershman Investment Corp.	Conventional, FHA, VA	8	0.6%	100%	$443,750
Guaranteed Rate Affinity, LLC	Conventional	6	0.4%	100%	$431,666
Equity Prime Mortgage LLC	FHA, VA	6	0.4%	85.7%	$340,000
Guild Mortgage Company	Conventional, FHA	5	0.3%	100%	$277,000
Planet Home Lending, LLC	Conventional, FHA, VA	5	0.3%	83.3%	$267,000
Embrace Home Loans, Inc.	Conventional, FHA	5	0.3%	100%	$263,000
Zillow Home Loans, LLC	Conventional, VA	5	0.3%	100%	$367,000
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA, VA	5	0.3%	100%	$415,000	View
Pentagon Federal Credit Union	Conventional, VA, Jumbo, HELOC	4 +2 HELOCs	0.3%	100%	$535,000
Cornerstone First Mortgage, LLC	Conventional, FHA	4	0.3%	100%	$320,000
American Financial Resources LLC	FHA	4	0.3%	80%	$360,000
Resicentral LLC	Conventional, VA	4	0.3%	100%	$482,500
VanDyk Mortgage Corporation	Conventional, VA	4	0.3%	100%	$357,500
T2 Financial LLC	Conventional	4	0.3%	100%	$665,000
BoxCar Mortgage, LLC	Conventional, FHA	4	0.3%	100%	$467,500
Tomo Mortgage LLC	Conventional	4	0.3%	80%	$257,500
Spring Eq, LLC	Conventional, HELOC	3 +7 HELOCs	0.2%	15.8%	$78,333
Goodleap, LLC	Conventional, FHA, HELOC	3 +3 HELOCs	0.2%	60%	$311,666
DFCU Financial	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$365,000
Equity Resources Inc	Conventional	3	0.2%	100%	$238,333
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	3	0.2%	75%	$161,666
MortgageOne, Inc	Conventional	3	0.2%	100%	$365,000
Filo Mortgage, LLC	Conventional, FHA	3	0.2%	50%	$395,000
AdvantageFirst Lending Inc	Conventional, FHA	3	0.2%	75%	$285,000
American Financial Network, Inc.	FHA, VA	3	0.2%	60%	$371,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, FHA	3	0.2%	100%	$251,666	View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	3	0.2%	100%	$391,666	View
Homeowners Financial Group, LLC	Conventional, FHA	3	0.2%	100%	$315,000
My Mortgage, Inc	Conventional, FHA	3	0.2%	100%	$385,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.2%	75%	$385,000	View
Provident Funding Associates	Conventional	3	0.2%	75%	$298,333
Wolfe Financial Inc	Conventional, FHA	3	0.2%	100%	$545,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.2%	100%	$351,666	View
Mutual of Omaha Mortgage	Conventional	3	0.2%	66.7%	$308,333
Village Capital & Investment	FHA, VA	3	0.2%	87.5%	$445,000
Synovus Bank	Conventional, HELOC	2 +3 HELOCs	0.1%	50%	$165,000
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	Conventional, FHA, HELOC	2 +2 HELOCs	0.1%	100%	$405,000	View
Better Mortgage Corporation	Conventional, HELOC	2 +2 HELOCs	0.1%	50%	$105,000
Sage Home Loans Corporation	Conventional	2	0.1%	75%	$470,000
Loanunited.Com, LLC	VA	2	0.1%	100%	$635,000
Deephaven Mortgage LLC	Conventional	2	0.1%	100%	$530,000
AmWest Funding Corp	Conventional	2	0.1%	100%	$190,000
Absolute Home Mortgage	Conventional, FHA	2	0.1%	100%	$255,000
Strong Home Mortgage, LLC	FHA, VA	2	0.1%	100%	$525,000
Kwik Mortgage Corporation	Conventional	2	0.1%	100%	$495,000
Legend Lending Corporation	Conventional	2	0.1%	100%	$585,000
Waterstone Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$330,000
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.1%	100%	$200,000
American Pacific Mortgage Corporation	Conventional	2	0.1%	100%	$415,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, VA	2	0.1%	100%	$255,000	View
Southwest Stage Funding LLC	FHA	2	0.1%	100%	$275,000
21St Mortgage	Conventional	2	0.1%	20%	$240,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA	2	0.1%	60%	$170,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	2	0.1%	50%	$195,000	View
Ark-La-Tex Financial Services LLC	Conventional, VA	2	0.1%	100%	$380,000
Top Flite Financial, Inc.	Conventional	2	0.1%	66.7%	$350,000
American Neighborhood Mortgage Acceptance Company	Conventional	2	0.1%	100%	$195,000
Northern Mortgage Services, LLC A5.0 ★Texas Ratio: 6.11%	Conventional	1	0.1%	100%	$355,000	View
Arc Home LLC	Conventional	1	0.1%	100%	$315,000
EMM Loans LLC	FHA	1	0.1%	50%	$395,000
Southwest Airlines FCU	Conventional	1	0.1%	100%	$15,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$395,000
Neighborhood Loans, Inc	Conventional	1	0.1%	50%	$15,000
Countryplace Mortgage, Ltd.	FHA	1	0.1%	100%	$225,000
Canopy Mortgage, LLC	Conventional	1	0.1%	100%	$465,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$335,000
Nbkc Bank	Conventional	1	0.1%	50%	$595,000
Loansteady LLC	Conventional	1	0.1%	100%	$115,000
Dart Bank	Conventional	1	0.1%	100%	$165,000
Home Mortgage Alliance Corp (Hmac)	FHA	1	0.1%	100%	$295,000
City Lending Inc. A+5.0 ★Texas Ratio: 1.71%	Conventional	1	0.1%	33.3%	$575,000	View
Catalyst Mortgage	VA	1	0.1%	100%	$385,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$345,000	View
Acre Mortgage & Financial, Inc.	Conventional	1	0.1%	100%	$365,000
Preferred Lending Services, LLC	Conventional	1	0.1%	100%	$515,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	33.3%	$245,000
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$425,000
Success Mortgage Partners, Inc	FHA	1	0.1%	100%	$335,000
Sfmc, LP	FHA	1	0.1%	100%	$475,000
Discover Bank	Conventional	1	0.1%	15.4%	$155,000
Sun West Mortgage Company, Inc	VA	1	0.1%	100%	$765,000
Capital Partners Mortgage Services, LLC	Conventional	1	0.1%	100%	$325,000
Intercoastal Mortgage, LLC A+5.0 ★Texas Ratio: 0.40%	Conventional	1	0.1%	100%	$425,000	View
Hightechlending, Inc	Conventional	1	0.1%	100%	$315,000
Oceanside Mortgage Company	FHA	1	0.1%	100%	$285,000
Credit Human Federal Credit Un	Conventional	1	0.1%	100%	$75,000
Credit Union 1	Conventional	1	0.1%	100%	$205,000
Clearview Federal Credit Union	Conventional	1	0.1%	100%	$35,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$325,000
Greenbox Loans	Conventional	1	0.1%	100%	$145,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0.1%	100%	$295,000	View
Point Mortgage Corp	Conventional	1	0.1%	100%	$395,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$505,000
Churchill Mortgage Corporation	VA	1	0.1%	100%	$665,000
Teachers Federal Credit Union	Conventional	1	0.1%	100%	$75,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	25%	$195,000
Together Credit Union A+5.0 ★Texas Ratio: 4.25%	Conventional	1	0.1%	100%	$105,000
Communityamerica Federal Credit Union	Conventional	1	0.1%	100%	$285,000
Milend, Inc	FHA	1	0.1%	50%	$285,000
Lake Michigan Credit Union	Conventional	1	0.1%	100%	$465,000
Towne Mortgage Company	Conventional	1	0.1%	100%	$365,000
Tjc Mortgage Inc	Conventional	1	0.1%	100%	$155,000
Digital Federal Credit Union	Conventional	1	0.1%	100%	$385,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$435,000
Keystone Funding, Inc	Conventional	1	0.1%	100%	$305,000
BLG Holdings, LLC	Conventional	1	0.1%	100%	$325,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$215,000
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$615,000
Right Start Mortgage, Inc	Conventional	1	0.1%	100%	$375,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	FHA	1	0.1%	100%	$405,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$305,000
United Nations Federal CU	Conventional	1	0.1%	100%	$455,000
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0.1%	100%	$795,000	View
Thrivent Bank	Conventional	1	0.1%	100%	$75,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA, Jumbo	1	0.1%	100%	$905,000	View
Nexera Holding LLC	Conventional	1	0.1%	100%	$525,000
Plaza Home Mortgage, Inc	FHA	1	0.1%	50%	$435,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$315,000
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$135,000
Coastal Community Bank	HELOC	0 +16 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +8 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +7 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +2 HELOCs	0%	n/a		View
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Trustone Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
American Heritage Federal Credit Union A+5.0 ★Texas Ratio: 0.00%	HELOC	0 +1 HELOCs	0%	n/a		View
RBC Bank (Georgia), N.A.	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.

Land O' Lakes 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 Land O' Lakes, Florida

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

Types of Mortgage Lenders in Land O' Lakes, FL

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

Mortgage companies and brokers 139 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 52 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 30 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 73 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 45 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 13 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 37 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Land O' Lakes, FL

Independent mortgage companies closed 81.9 percent of home loans in Land O' Lakes, Florida in 2025, banks 9.1 percent and credit unions 9 percent. Lennar Mortgage, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Suncoast Credit Union the largest credit union. Among lenders headquartered in Florida, Suncoast Credit Union led with 26 loans.

81.9%

Mortgage companies

9.1%

Banks

Credit unions

22%

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 Land O' Lakes, FL

Who is the largest mortgage lender in Land O' Lakes, FL?

By home loans closed in 2025, Suncoast Credit Union was the largest mortgage lender in Land O' Lakes, Florida with 26 loans, about 1.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Land O' Lakes, FL have the highest approval rates?

Among lenders with meaningful volume in Land O' Lakes, Florida, DHI Mortgage Company, LTD. approved the highest share of completed applications in 2025 at 92.5 percent, against a 82 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 Land O' Lakes, FL mortgage lenders offer FHA, VA and USDA loans?

73 lenders closed FHA loans in Land O' Lakes, Florida in 2025, led by DHI Mortgage Company, LTD. with 67. 45 lenders closed VA loans, led by DHI Mortgage Company, LTD., 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 Land O' Lakes, FL lender list?

Yes. 52 banks and 30 credit unions closed home loans in Land O' Lakes, Florida in 2025, alongside 139 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 Land O' Lakes, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Land O' Lakes, 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 Land O' Lakes, 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 Land O' Lakes. 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.