Mortgage Lenders and Brokers in Lower Grand Lagoon, 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
Lower Grand Lagoon, Florida mortgage lenders include Community Bank of MississippiCommunity Bank of Mississippi345 E James Lee Blvd, Crestview, FL 32539A+5.0 ★Texas Ratio: 3.09%, Innovations Financial Credit UnionInnovations Financial Credit Union402 N Waukesha ST, Bonifay, FL 32425 2014A+5.0 ★Texas Ratio: 1.14%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Trustmark BankTrustmark Bank993 Us Highway 31 South, Defuniak Springs, FL 32435A+5.0 ★Texas Ratio: 2.40%, Tyndall Federal Credit UnionTyndall Federal Credit Union1601 Ohio Ave, Lynn Haven, FL 32444 3746A+5.0 ★Texas Ratio: 0.96%, Centennial BankCentennial Bank22 Avenue E, Apalachicola, FL 32320A+5.0 ★Texas Ratio: 3.14%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, and Servisfirst BankServisfirst Bank316 Racetrack Rd Ne, Fort Walton Beach, FL 32547A5.0 ★Texas Ratio: 8.75%. 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 Lower Grand Lagoon, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lower Grand Lagoon 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 Lower Grand Lagoon, Florida
Market share is the lender's share of all home loans closed in Lower Grand Lagoon, 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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345 E James Lee Blvd, Crestview, FL 32539 A+5.0 ★Texas Ratio: 3.09% |
Conventional, HELOC | 7 +1 HELOCs |
5.6% | 100% | $319,285 | View |
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402 N Waukesha ST, Bonifay, FL 32425 2014 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 7 | 5.6% | 70% | $317,857 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 5 +5 HELOCs |
4% | 100% | $321,000 | View |
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993 Us Highway 31 South, Defuniak Springs, FL 32435 A+5.0 ★Texas Ratio: 2.40% |
Conventional, VA, HELOC | 4 +2 HELOCs |
3.2% | 80% | $437,500 | View |
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1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96% |
Conventional, HELOC | 3 +1 HELOCs |
2.4% | 75% | $181,666 | View |
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22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14% |
Conventional, HELOC | 2 +1 HELOCs |
1.6% | 100% | $565,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, HELOC | 2 +1 HELOCs |
1.6% | 100% | $215,000 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +2 HELOCs |
0.8% | 100% | $125,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
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316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
Conventional, Jumbo | 1 | 0.8% | 100% | $955,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.8% | 100% | $435,000 | View |
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1912 S Highway 77, Lynn Haven, FL 32444 A+5.0 ★Texas Ratio: 1.07% |
Conventional | 1 | 0.8% | 100% | $205,000 | View |
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★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.8% | 100% | $345,000 | View |
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10970 San Jose Boulevard, Jacksonville, FL 32223 A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 0.8% | 100% | $525,000 | View |
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4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 1 | 0.8% | 100% | $595,000 | View |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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15000 Nw 140th St, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Nqm Funding, LLC
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Conventional | 3 | 2.4% | 60% | $358,333 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.6% | 100% | $385,000 | View |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.6% | 100% | $250,000 | |
Foundation Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $315,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 7.1% | 81.8% | $291,666 | |
Rocket Mortgage
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Conventional | 9 | 7.1% | 50% | $331,666 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 4 | 3.2% | 100% | $230,000 | View |
The Loan Store, Inc
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Conventional | 4 | 3.2% | 100% | $420,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1.6% | 100% | $675,000 | |
Kind Lending, LLC
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Conventional, VA | 2 | 1.6% | 100% | $580,000 | |
Movement Mortgage, LLC
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Conventional, Jumbo | 2 | 1.6% | 100% | $775,000 | |
Deephaven Mortgage LLC
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Conventional | 2 | 1.6% | 100% | $200,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 2 | 1.6% | 100% | $205,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 1.6% | 50% | $510,000 | |
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A5.0 ★Texas Ratio: 6.45% |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.8% | 100% | $325,000 | View |
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A5.0 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.8% | 100% | $165,000 | View |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.8% | 100% | $225,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
Conventional | 1 | 0.8% | 100% | $325,000 | View |
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A5.0 ★Texas Ratio: 10.01% |
Conventional | 1 | 0.8% | 100% | $675,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.8% | 100% | $315,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.8% | 50% | $235,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.8% | 100% | $275,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.8% | 100% | $185,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $365,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.8% | 50% | $515,000 | |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 0.8% | 100% | $225,000 | View |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.8% | 100% | $75,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.8% | 100% | $225,000 | |
MidSouth Bank
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Conventional | 1 | 0.8% | 100% | $315,000 | |
River Bank & Trust
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Conventional | 1 | 0.8% | 100% | $395,000 | |
First State Bank of St Charles
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Conventional | 1 | 0.8% | 100% | $635,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.8% | 100% | $365,000 | View |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.8% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 0.32% |
Conventional | 1 | 0.8% | 100% | $255,000 | View |
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C+4.1 ★Texas Ratio: 26.20% |
Conventional | 1 | 0.8% | 100% | $345,000 | View |
Sun West Mortgage Company, Inc
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VA | 1 | 0.8% | 100% | $405,000 | |
BankSouth
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Conventional | 1 | 0.8% | 100% | $285,000 | |
American Heritage Lending, LLC
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Conventional | 1 | 0.8% | 100% | $185,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.8% | 100% | $625,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.8% | 100% | $235,000 | View |
Labette Bank
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Conventional | 1 | 0.8% | 100% | $755,000 | |
Mortgage Research Center
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VA | 1 | 0.8% | 50% | $455,000 | |
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A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.8% | 100% | $315,000 | View |
First State Community Bank
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Conventional | 1 | 0.8% | 100% | $785,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.8% | 100% | $385,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.8% | 100% | $315,000 | |
I H Mississippi Valley Credit Union
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Conventional | 1 | 0.8% | 100% | $215,000 | |
Nmsi, Inc.
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Conventional, Jumbo | 1 | 0.8% | 100% | $995,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,355,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.8% | 100% | $345,000 | |
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A5.0 ★Texas Ratio: 6.55% |
Conventional | 1 | 0.8% | 100% | $115,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.8% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.8% | 100% | $325,000 | View |
Union Capital Mortgage Corp
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Conventional | 1 | 0.8% | 100% | $405,000 | |
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lower Grand Lagoon 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 Lower Grand Lagoon, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Lower Grand Lagoon? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lower Grand Lagoon in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lower Grand Lagoon, FL
Use these to narrow the list above. Each category shows how many Lower Grand Lagoon, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Lower Grand Lagoon, FL
Independent mortgage companies closed 50 percent of home loans in Lower Grand Lagoon, Florida in 2025, banks 36.5 percent and credit unions 13.5 percent. Nqm Funding, LLC was the largest mortgage company, Community Bank of Mississippi the largest bank and Innovations Financial Credit Union the largest credit union. Among lenders headquartered in Florida, Innovations Financial Credit Union led with 7 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 Lower Grand Lagoon, FL
By home loans closed in 2025, Community Bank of Mississippi was the largest mortgage lender in Lower Grand Lagoon, Florida with 7 loans, about 5.6 percent of the market. The largest lender headquartered in Florida was Innovations Financial Credit Union with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Lower Grand Lagoon, Florida in 2025, led by Flagstar Bank NA with 1. 8 lenders closed VA loans, led by United Wholesale Mortgage. 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. 33 banks and 9 credit unions closed home loans in Lower Grand Lagoon, Florida in 2025, alongside 33 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 Lower Grand Lagoon, 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 Lower Grand Lagoon, 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 Lower Grand Lagoon. 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.
