☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Florida / Largo

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Largo, Florida

Content reviewed by

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

Largo, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA13883 Walsingham Rd, Largo, FL 33774A+5.0 ★Texas Ratio: 3.68%, Regions BankRegions Bank10465 Ulmerton Rd, Largo, FL 33771A+5.0 ★Texas Ratio: 4.37%, Bank of America NABank of America NA2600 E Bay Dr, Largo, FL 33771A+5.0 ★Texas Ratio: 4.14%, Republic Bank & TrustRepublic Bank & Trust12933 Walsingham Rd, Largo, FL 33774A+5.0 ★Texas Ratio: 2.91%, Wells Fargo Bank NAWells Fargo Bank NA8700 Bryan Dairy Rd, Largo, FL 33777A+5.0 ★Texas Ratio: 5.36%, Fifth Third Bank, National AssociationFifth Third Bank, National Association2501 W Bay Drive, Largo, FL 33770A+5.0 ★Texas Ratio: 3.22%, Valley National BankValley National Bank1125 East Bay Dr, Largo, FL 33770A+5.0 ★Texas Ratio: 5.76%, Truist BankTruist Bank14141 Walsingham Rd, Largo, FL 33774A+5.0 ★Texas Ratio: 2.87%, Hancock Whitney BankHancock Whitney Bank8200 Bryan Dairy Rd, Largo, FL 33777A+5.0 ★Texas Ratio: 3.41%, and PNC Bank N.A.PNC Bank N.A.10751 Ulmerton Rd, Largo, FL 33778A+5.0 ★Texas Ratio: 4.24%. 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 Largo, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Largo 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 Largo, Florida

Market share is the lender's share of all home loans closed in Largo, 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
JPMorgan Chase Bank, NA 4 offices in Largo 13883 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	17 +1 HELOCs	1.4%	85%	$356,764	View
Regions Bank 3 offices in Largo 10465 Ulmerton Rd, Largo, FL 33771 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	14 +29 HELOCs	1.1%	50%	$143,571	View
Bank of America NA 2 offices in Largo 2600 E Bay Dr, Largo, FL 33771 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	10 +20 HELOCs	0.8%	76.9%	$299,000	View
Republic Bank & Trust 1 office in Largo 12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91%	Conventional, FHA, HELOC	7 +5 HELOCs	0.6%	87.5%	$200,714	View
Wells Fargo Bank NA 3 offices in Largo 8700 Bryan Dairy Rd, Largo, FL 33777 A+5.0 ★Texas Ratio: 5.36%	Conventional	7	0.6%	63.6%	$293,571	View
Fifth Third Bank, National Association 3 offices in Largo 2501 W Bay Drive, Largo, FL 33770 A+5.0 ★Texas Ratio: 3.22%	Conventional, VA, Jumbo, HELOC	5 +16 HELOCs	0.4%	62.5%	$405,000	View
Valley National Bank 1 office in Largo 1125 East Bay Dr, Largo, FL 33770 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.4%	100%	$357,000	View
Truist Bank ★ 1 stars, 1 review 2 offices in Largo 14141 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	4 +14 HELOCs	0.3%	100%	$237,500	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 1 office in Largo 8200 Bryan Dairy Rd, Largo, FL 33777 A+5.0 ★Texas Ratio: 3.41%	Conventional, FHA, VA, HELOC	3 +2 HELOCs	0.2%	100%	$371,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Largo 10751 Ulmerton Rd, Largo, FL 33778 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +15 HELOCs	0.1%	100%	$205,000	View
TD Bank 1 office in Largo 8040 Bryan Dairy Rd, Largo, FL 33777 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$65,000	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	19 +11 HELOCs	1.5%	90.5%	$296,578	View
Midflorida Credit Union ★ 1 stars, 1 review 13075 Walsingham Rd, Largo, FL 33774 3514 A+5.0 ★Texas Ratio: 3.18%	Conventional, HELOC	16 +6 HELOCs	1.3%	50%	$130,000	View
Achieva Credit Union 12580 Seminole Blvd, Largo, FL 33778 A+5.0 ★Texas Ratio: 2.57%	Conventional, HELOC	15 +51 HELOCs	1.2%	78.9%	$179,666	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	12 +21 HELOCs	1%	81.2%	$154,166	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	11	0.9%	50.9%	$78,636	View
Grow Financial Federal Credit Union 10801 Starkey Rd Ste 103, Largo, FL 33777 A+5.0 ★Texas Ratio: 3.70%	Conventional	9	0.7%	81.8%	$155,000	View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	Conventional, HELOC	7 +3 HELOCs	0.6%	63.6%	$190,714	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	6 +1 HELOCs	0.5%	54.5%	$268,333	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%	Conventional, FHA, VA, HELOC	5 +1 HELOCs	0.4%	55.6%	$231,000	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	100%	$411,666	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional	3	0.2%	100%	$191,666	View
Floridacentral Credit Union 701 9th St W, Bradenton, FL 34205 8656 A+5.0 ★Texas Ratio: 5.46%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$220,000	View
Usf Credit Union 16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	2 +1 HELOCs	0.2%	66.7%	$395,000	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional	2	0.2%	100%	$375,000	View
The Bank of Tampa 10980 Belcher Rd S, Largo, FL 33777 A+5.0 ★Texas Ratio: 2.04%	Conventional	2	0.2%	100%	$150,000	View
VyStar Credit Union 16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56%	Conventional	2	0.2%	100%	$150,000	View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	Conventional, Jumbo, HELOC	1 +4 HELOCs	0.1%	100%	$1,085,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$295,000	View
Partners Federal Credit Union 5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0.1%	100%	$65,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo	1	0.1%	100%	$805,000	View
American Momentum Bank 1001 S Fort Harrison Ave, Clearwater, FL 33756 A5.0 ★Texas Ratio: 12.55%	Conventional	1	0.1%	100%	$335,000	View
Cogent Bank 1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54%	Conventional	1	0.1%	100%	$225,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +3 HELOCs	0%	n/a		View
Florida Credit Union 10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76%	HELOC	0 +2 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Freedom Mortgage Corporation	Conventional, FHA, VA	27	2.2%	93.8%	$343,148
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	10	0.8%	40.6%	$277,000
The Mortgage Firm	Conventional, FHA, VA	6	0.5%	100%	$373,333
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.3%	100%	$290,000	View
New Day Financial, LLC.	VA	3	0.2%	33.3%	$241,666
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional	2	0.2%	66.7%	$125,000
Acrisure Mortgage, LLC	Conventional	2	0.2%	100%	$190,000
PHH Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$335,000
Bayfirst Financial A5.0 ★Texas Ratio: 10.20%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$25,000	View
Alkan Mortgage Corporation	FHA	1	0.1%	100%	$315,000
Nqm Funding, LLC	Conventional	1	0.1%	50%	$165,000
LoanFlight Lending, LLC.	Conventional	1	0.1%	100%	$325,000
Mortgage Lenders Investment Tr	Conventional	1	0.1%	100%	$365,000
Home Access Financial, LLC	FHA	1	0.1%	100%	$215,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	158 +2 HELOCs	12.7%	87%	$340,632
Rocket Mortgage	Conventional, FHA, VA	119	9.6%	78.1%	$221,050
DHI Mortgage Company, LTD.	Conventional, FHA, VA	36	2.9%	88.1%	$356,944
Pennymac Loan Services LLC	Conventional, FHA, VA	29	2.3%	75%	$332,241
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	28 +2 HELOCs	2.3%	93.3%	$324,285
Mortgage Research Center	Conventional, FHA, VA	24	1.9%	75%	$334,583
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	23	1.9%	66.7%	$308,478	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	22 +6 HELOCs	1.8%	78.6%	$281,363
Movement Mortgage, LLC	Conventional, FHA, VA	18	1.4%	100%	$305,555
21St Mortgage	Conventional	18	1.4%	51.4%	$95,000
Nationstar Mortgage	Conventional, FHA, VA	15	1.2%	80%	$184,333
New American Funding, LLC.	Conventional, FHA, VA	14	1.1%	93.3%	$295,714
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	11 +1 HELOCs	0.9%	84.6%	$294,090
Amerisave Mortgage Company	Conventional, FHA, HELOC	11 +1 HELOCs	0.9%	42.3%	$76,818
VanDyk Mortgage Corporation	Conventional, FHA, VA	11	0.9%	100%	$335,000
Fairway Independent Mort Corp	Conventional, FHA, VA	11	0.9%	91.7%	$276,818
Everett Financial, Inc.	Conventional, FHA, VA	10	0.8%	91.7%	$342,000
Kind Lending, LLC	Conventional, FHA, VA	10	0.8%	71.4%	$387,000
Waterstone Mortgage Corporation	Conventional	10	0.8%	100%	$182,000
Top Flite Financial, Inc.	Conventional, FHA, VA	10	0.8%	90.9%	$292,000
The Loan Store, Inc	Conventional, FHA, HELOC	9 +6 HELOCs	0.7%	81.8%	$285,000
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	9	0.7%	90%	$312,777
American Financial Resources LLC	Conventional, FHA	9	0.7%	90%	$365,000
Zillow Home Loans, LLC	Conventional, FHA	9	0.7%	100%	$253,888
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, USDA	8	0.6%	100%	$215,000	View
Click n' Close, Inc.	Conventional, FHA	8	0.6%	100%	$261,250
Nfm, Inc	Conventional, FHA, VA	8	0.6%	88.9%	$370,000
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA, Jumbo	8	0.6%	100%	$355,000	View
loanDepot.com LLC	Conventional, FHA, HELOC	7 +5 HELOCs	0.6%	57.1%	$289,285
Resicentral LLC	Conventional, FHA, VA	7	0.6%	100%	$355,000
American Financial Network, Inc.	Conventional, FHA, VA	7	0.6%	87.5%	$409,285
Union Home Mortgage Corp.	Conventional, FHA	7	0.6%	100%	$353,571
Legend Lending Corporation	Conventional	7	0.6%	100%	$347,857
Paramount Residential Mortgage	Conventional, FHA	7	0.6%	100%	$322,142
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	7	0.6%	32.3%	$200,714	View
Gershman Investment Corp.	Conventional, FHA, VA	7	0.6%	100%	$225,000
Countryplace Mortgage, Ltd.	Conventional	6	0.5%	66.7%	$110,000
Guild Mortgage Company	Conventional, FHA	6	0.5%	66.7%	$328,333
Credit Human Federal Credit Un	Conventional	6	0.5%	65%	$85,000
Cardinal Financial Company, Li	Conventional, FHA	6	0.5%	100%	$225,000
Iserve Residential Lending	Conventional, FHA, VA	6	0.5%	100%	$183,333
Plaza Home Mortgage, Inc	Conventional, FHA, VA	6	0.5%	75%	$358,333
Goodleap, LLC	Conventional, FHA, HELOC	5 +2 HELOCs	0.4%	62.5%	$179,000
Better Mortgage Corporation	Conventional, FHA, HELOC	5 +1 HELOCs	0.4%	62.5%	$297,000
Equity Prime Mortgage LLC	Conventional, FHA, VA	5	0.4%	100%	$345,000
Preferred Lending Services, LLC	Conventional, FHA, VA	5	0.4%	100%	$233,000
Michigan Mutual, Inc	Conventional, FHA	5	0.4%	100%	$253,000
BoxCar Mortgage, LLC	Conventional, FHA	5	0.4%	100%	$179,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	5	0.4%	100%	$343,000
Spring Eq, LLC	Conventional, HELOC	4 +4 HELOCs	0.3%	35.7%	$127,500
Cornerstone First Mortgage, LLC	Conventional	4	0.3%	100%	$425,000
All Credit Considered Mortgage, Inc.	Conventional	4	0.3%	100%	$192,500
AmWest Funding Corp	Conventional	4	0.3%	100%	$247,500
Planet Home Lending, LLC	Conventional, FHA	4	0.3%	66.7%	$277,500
American Pacific Mortgage Corporation	Conventional, FHA	4	0.3%	100%	$315,000
Mutual of Omaha Mortgage	Conventional, FHA	4	0.3%	57.1%	$305,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA, VA	4	0.3%	100%	$312,500	View
Vanderbilt Mortgage and Finance, Inc	Conventional	4	0.3%	22.2%	$52,500
Reliance First Capital, LLC	Conventional, VA	4	0.3%	100%	$240,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	4	0.3%	80%	$310,000	View
HomeBridge Financial Services, Inc	FHA, VA, HELOC	3 +5 HELOCs	0.2%	100%	$345,000
Lake Michigan Credit Union	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$368,333
Discover Bank	Conventional	3	0.2%	13.6%	$88,333
Sun West Mortgage Company, Inc	FHA, VA	3	0.2%	75%	$408,333
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.2%	50%	$328,333	View
T2 Financial LLC	Conventional	3	0.2%	100%	$225,000
Angel Oak Mortgage Solutions LLC	Conventional	3	0.2%	100%	$368,333
Leaderone Financial Corp.	Conventional, FHA	3	0.2%	75%	$238,333
Flyhomes Mortgage LLC	Conventional	3	0.2%	100%	$88,333
JMAC Lending, Inc.	Conventional, FHA	3	0.2%	100%	$345,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$445,000	View
Equity Resources Inc	Conventional	2	0.2%	100%	$180,000
Greenstate Credit Union	Conventional	2	0.2%	100%	$345,000
Gold Star Mortgage Financial Group, Corporation	Conventional	2	0.2%	100%	$235,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	VA	2	0.2%	100%	$445,000	View
MortgageOne, Inc	Conventional, VA	2	0.2%	100%	$240,000
Loanunited.Com, LLC	Conventional, FHA	2	0.2%	66.7%	$345,000
Das Acquisition Company, LLC	Conventional	2	0.2%	100%	$260,000
American Financing Corporation	FHA	2	0.2%	33.3%	$300,000
First Colony Mortgage Corporat	Conventional, FHA	2	0.2%	100%	$305,000
Ameritrust Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$370,000
Embrace Home Loans, Inc.	Conventional	2	0.2%	100%	$505,000
Teachers Federal Credit Union	Conventional	2	0.2%	100%	$360,000
Provident Funding Associates	Conventional	2	0.2%	100%	$250,000
Hometown Equity Mortgage, LLC	Conventional, FHA	2	0.2%	100%	$245,000
Synovus Bank	Conventional	2	0.2%	100%	$250,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.2%	50%	$595,000	View
Towne Mortgage Company	Conventional, FHA	2	0.2%	100%	$315,000
BLG Holdings, LLC	Conventional, FHA	2	0.2%	100%	$170,000
Citadel Servicing Corporation	Conventional	2	0.2%	100%	$320,000
ClearEdge Lending LLC	Conventional, Jumbo	2	0.2%	100%	$635,000
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	2	0.2%	100%	$345,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.2%	100%	$575,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.2%	66.7%	$285,000	View
Nexera Holding LLC	Conventional	2	0.2%	66.7%	$460,000
Tomo Mortgage LLC	Conventional	2	0.2%	66.7%	$375,000
Pentagon Federal Credit Union	VA, HELOC	1 +3 HELOCs	0.1%	50%	$615,000
Cadence Bank	Conventional	1	0.1%	50%	$355,000
Arc Home LLC	Conventional	1	0.1%	100%	$475,000
American Heritage Bank A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$385,000	View
Originpoint, LLC	Conventional	1	0.1%	100%	$395,000
Ruoff Mortgage Company	Conventional	1	0.1%	100%	$615,000
Tidewater Mortgage Services, Inc	Conventional	1	0.1%	100%	$305,000
Zippy Loans, LLC	Conventional	1	0.1%	25%	$85,000
CommonWealth One Federal Credit Union	Conventional	1	0.1%	100%	$305,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$165,000
Primelending	Conventional	1	0.1%	100%	$225,000
Neighborhood Loans, Inc	Conventional	1	0.1%	50%	$15,000
Atlantic Coast Mortgage, LLC	FHA	1	0.1%	100%	$195,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$275,000	View
Fourleaf Federal Credit Union	Conventional	1	0.1%	100%	$135,000
Primary Residential Mortgage, INC.	FHA	1	0.1%	100%	$385,000
Atlantic Union Bank A+5.0 ★Texas Ratio: 2.51%	Conventional	1	0.1%	100%	$305,000	View
Go Mortgage, LLC	Conventional	1	0.1%	50%	$545,000
ALCOVA Mortgage, LLC	Conventional	1	0.1%	100%	$285,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$365,000
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional	1	0.1%	100%	$125,000	View
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$345,000
Synergy One Lending, Inc.	FHA	1	0.1%	100%	$345,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	VA	1	0.1%	100%	$395,000	View
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	VA	1	0.1%	100%	$495,000	View
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	100%	$305,000	View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	FHA	1	0.1%	100%	$385,000	View
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$275,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.1%	100%	$725,000
Sfmc, LP	Conventional	1	0.1%	100%	$245,000
First Alliance Home Mortgage, LLC	FHA	1	0.1%	100%	$205,000
City 1st Mortgage Services, LC	FHA	1	0.1%	50%	$225,000
Absolute Home Mortgage	Conventional	1	0.1%	100%	$605,000
Direct Mortgage Corp	Conventional	1	0.1%	100%	$395,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$565,000
Peoples Bank A+5.0 ★Texas Ratio: 1.17%	Conventional	1	0.1%	100%	$675,000	View
ClearPath Lending	VA	1	0.1%	50%	$375,000
Flat Branch Mortgage, Inc.	Conventional	1	0.1%	100%	$325,000
Associated Mortgage Bankers Inc.	Conventional	1	0.1%	100%	$475,000
Bay Equity LLC	FHA	1	0.1%	100%	$295,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$285,000
Homeowners Financial Group, LLC	Conventional	1	0.1%	100%	$415,000
Calcon Mutual Mortgage LLC	Conventional	1	0.1%	100%	$245,000
Stg Mortgage Inc	FHA	1	0.1%	100%	$375,000
Premium Mortgage Corporation	Conventional	1	0.1%	50%	$355,000
First Option Mortgage, LLC	FHA	1	0.1%	100%	$405,000
Land Home Financial Services,	FHA	1	0.1%	100%	$305,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$325,000	View
The Equitable Mortgage Corporation	VA	1	0.1%	100%	$295,000
Mortgage Equity Partners LLC	Conventional	1	0.1%	100%	$125,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$575,000	View
Geneva Financial LLC	Conventional	1	0.1%	100%	$275,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$205,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	FHA	1	0.1%	100%	$375,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$465,000	View
Paramount Bank A5.0 ★Texas Ratio: 8.70%	Conventional	1	0.1%	100%	$475,000	View
New Fed Mortgage Corp.	Conventional	1	0.1%	100%	$275,000
Victorian Finance, LLC	Conventional	1	0.1%	100%	$215,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$75,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	FHA	1	0.1%	100%	$175,000	View
DFCU Financial	Conventional	1	0.1%	100%	$385,000
ChoiceOne Bank A+5.0 ★Texas Ratio: 5.45%	Conventional	1	0.1%	100%	$155,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	50%	$375,000	View
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$345,000
Logan Finance Corporation	Conventional, Jumbo	1	0.1%	100%	$1,995,000
Acnb Bank A+5.0 ★Texas Ratio: 2.55%	Conventional	1	0.1%	100%	$525,000	View
Community State Bank of Missouri	Conventional	1	0.1%	100%	$585,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$295,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$415,000	View
First Merchants Bank A+5.0 ★Texas Ratio: 4.12%	Conventional	1	0.1%	100%	$505,000	View
RBC Bank (Georgia), N.A.	Conventional	1	0.1%	100%	$105,000
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo	1	0.1%	100%	$965,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$425,000	View
Loan Simple, Inc.	FHA	1	0.1%	100%	$325,000
Patriot One Mortgage Bankers	Conventional	1	0.1%	100%	$305,000
The Union Bank Company A+5.0 ★Texas Ratio: 0.68%	Conventional	1	0.1%	100%	$245,000	View
Coastal Community Bank	HELOC	0 +12 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
Bank Ozk	HELOC	0 +5 HELOCs	0%	0%
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	HELOC	0 +1 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Americu Credit Union A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Credit Union 1	HELOC	0 +1 HELOCs	0%	n/a
Affinity Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Consumers Credit Union	HELOC	0 +1 HELOCs	0%	100%
Alabama ONE Credit Union	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.

Largo 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 Largo, Florida

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

Types of Mortgage Lenders in Largo, FL

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

Mortgage companies and brokers 147 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 60 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 26 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 82 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 51 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 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 31 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Largo, FL

Independent mortgage companies closed 77.3 percent of home loans in Largo, Florida in 2025, banks 13.4 percent and credit unions 9.3 percent. Triad Financial Services, Inc. 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 19 loans.

77.3%

Mortgage companies

13.4%

Banks

9.3%

Credit unions

19%

FHA loans

12%

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 Largo, FL

Who is the largest mortgage lender in Largo, FL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Largo, Florida with 17 loans, about 1.4 percent of the market. The largest lender headquartered in Florida was Suncoast Credit Union with 19 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Largo, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 87 percent, against a 76.4 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.

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

82 lenders closed FHA loans in Largo, Florida in 2025, led by United Wholesale Mortgage with 53. 51 lenders closed VA loans, led by United Wholesale Mortgage, 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.

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

Yes. 60 banks and 26 credit unions closed home loans in Largo, Florida in 2025, alongside 147 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 Largo, FL ranked on this page?

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