Mortgage Lenders and Brokers in Live Oak, 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
Live Oak, Florida mortgage lenders include First Federal BankFirst Federal Bank1102 Ohio Ave N, Live Oak, FL 32064A+5.0 ★Texas Ratio: 1.10%, Ameris BankAmeris Bank201 Ohio Ave S, Live Oak, FL 32064A+5.0 ★Texas Ratio: 1.82%, TD BankTD Bank535 Ohio Ave S, Live Oak, FL 32064A+5.0 ★Texas Ratio: 3.71%, Florida Credit UnionFlorida Credit Union10303 SE US Highway 441, Belleview, FL 34420A+5.0 ★Texas Ratio: 4.76%, Radiant Credit UnionRadiant Credit Union2231 Ohio Ave N, Live Oak, FL 32064 4857A+5.0 ★Texas Ratio: 3.03%, Triad Financial Services, Inc.Triad Financial Services, Inc.1209 Kingsway Rd, Brandon, FL 33510A+5.0 ★Texas Ratio: 5.93%, Campus USA Credit UnionCampus USA Credit Union14759 NW 157th Ln, Alachua, FL 32615A+5.0 ★Texas Ratio: 2.45%, VyStar Credit UnionVyStar Credit Union16201 NW US Highway 441, Alachua, FL 32615 6399A5.0 ★Texas Ratio: 9.56%, Citizens Bank, NACitizens Bank, NA2222 Ponce De Leon Blvd, Coral Gables, FL 33134A+5.0 ★Texas Ratio: 5.44%, and Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%. 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 Live Oak, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Live Oak 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 Live Oak, Florida
Market share is the lender's share of all home loans closed in Live Oak, 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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3 offices in Live Oak 1102 Ohio Ave N, Live Oak, FL 32064 A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA, VA | 13 | 5.8% | 81.2% | $215,769 | View |
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★ 4 stars, 1 review 1 office in Live Oak 201 Ohio Ave S, Live Oak, FL 32064 A+5.0 ★Texas Ratio: 1.82% |
FHA, VA | 3 | 1.3% | 100% | $298,333 | View |
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1 office in Live Oak 535 Ohio Ave S, Live Oak, FL 32064 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $65,000 | View |
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10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76% |
Conventional | 4 | 1.8% | 80% | $240,000 | View |
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2231 Ohio Ave N, Live Oak, FL 32064 4857 A+5.0 ★Texas Ratio: 3.03% |
Conventional, HELOC | 3 +4 HELOCs |
1.3% | 60% | $178,333 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 3 | 1.3% | 60.9% | $148,333 | View |
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14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45% |
Conventional | 3 | 1.3% | 100% | $185,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.9% | 22.2% | $300,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | 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% | 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 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $135,000 | |
New Day Financial, LLC.
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VA | 2 | 0.9% | 50% | $235,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 0.4% | 75% | $275,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $195,000 | |
Ready Mortgage Lenders, LLC
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FHA | 1 | 0.4% | 100% | $215,000 | |
Coastline Home Mortgage
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Conventional | 1 | 0.4% | 100% | $85,000 | |
The Mortgage Firm
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FHA | 1 | 0.4% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA, VA | 36 | 15.9% | 100% | $260,000 | |
21St Mortgage
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Conventional | 24 | 10.6% | 52.2% | $126,250 | |
Rocket Mortgage
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Conventional, FHA, VA | 23 | 10.2% | 82.1% | $199,347 | |
Mortgage Research Center
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FHA, VA | 11 | 4.9% | 91.7% | $270,454 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 8 | 3.5% | 100% | $202,500 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 6 | 2.7% | 100% | $198,333 | |
Union Home Mortgage Corp.
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Conventional | 5 | 2.2% | 83.3% | $255,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 1.8% | 100% | $162,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 4 | 1.8% | 66.7% | $352,500 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional, FHA | 4 | 1.8% | 100% | $175,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
1.3% | 100% | $291,666 | |
American Financial Resources LLC
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FHA, VA | 3 | 1.3% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, USDA | 3 | 1.3% | 75% | $208,333 | View |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional, VA | 3 | 1.3% | 100% | $341,666 | View |
American Financial Network, Inc.
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FHA, USDA | 3 | 1.3% | 100% | $245,000 | |
New American Funding, LLC.
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Conventional, FHA, VA | 3 | 1.3% | 75% | $385,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 1.3% | 27.3% | $175,000 | |
Affordable Mortgage Advisors
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Conventional, VA | 2 | 0.9% | 100% | $465,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.9% | 66.7% | $340,000 | |
loanDepot.com LLC
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Conventional, VA | 2 | 0.9% | 100% | $185,000 | |
Resicentral LLC
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Conventional, FHA | 2 | 0.9% | 100% | $295,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.9% | 40% | $110,000 | |
Credit Human Federal Credit Un
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Conventional | 2 | 0.9% | 40% | $110,000 | |
Nations Lending Corporation
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FHA, VA | 2 | 0.9% | 100% | $250,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.9% | 100% | $90,000 | |
Leaderone Financial Corp.
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Conventional, FHA | 2 | 0.9% | 100% | $310,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
Equity Prime Mortgage LLC
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VA | 1 | 0.4% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.4% | 100% | $425,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.4% | 100% | $275,000 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
Securitynational Mortgage Company
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VA | 1 | 0.4% | 100% | $255,000 | |
Honda Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $195,000 | |
Ameritrust Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $275,000 | |
Atlantic Bay Mortgage Group
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FHA | 1 | 0.4% | 33.3% | $275,000 | |
Loanpeople, LLC
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FHA | 1 | 0.4% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 3.83% |
FHA | 1 | 0.4% | 100% | $205,000 | View |
Stockton Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $275,000 | |
Mortgage Solutions of Colorado
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USDA | 1 | 0.4% | 100% | $175,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $225,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.4% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
VA | 1 | 0.4% | 50% | $205,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.4% | 50% | $215,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 50% | $245,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Live Oak 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 Live Oak, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Live Oak? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Live Oak in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Live Oak, FL
Use these to narrow the list above. Each category shows how many Live Oak, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Live Oak, FL
Independent mortgage companies closed 81.4 percent of home loans in Live Oak, Florida in 2025, banks 10.2 percent and credit unions 8.4 percent. Triad Financial Services, Inc. was the largest mortgage company, First Federal Bank the largest bank and Florida Credit Union the largest credit union. Among lenders headquartered in Florida, First Federal Bank led with 13 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 Live Oak, FL
By home loans closed in 2025, First Federal Bank was the largest mortgage lender in Live Oak, Florida with 13 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
30 lenders closed FHA loans in Live Oak, Florida in 2025, led by United Wholesale Mortgage with 7. 21 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 10 banks and 10 credit unions closed home loans in Live Oak, Florida in 2025, alongside 48 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 Live Oak, 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 Live Oak, 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 Live Oak. 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.
