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Mortgage Lenders and Brokers in Melbourne, Florida

Content reviewed by

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

Melbourne, Florida mortgage lenders include Space Coast Credit UnionSpace Coast Credit Union20 S Wickham Rd, Melbourne, FL 32904 1130A+5.0 ★Texas Ratio: 5.37%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA7797 N Wickham Rd, Melbourne, FL 32940A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA7779 N Wickham Rd, Melbourne, FL 32940A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank8226 N Wickham Rd, Melbourne, FL 32940A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA6370 N Wickham Rd, Melbourne, FL 32940A+5.0 ★Texas Ratio: 4.14%, Regions BankRegions Bank1051 W New Haven Ave, Melbourne, FL 32904A+5.0 ★Texas Ratio: 4.37%, PNC Bank N.A.PNC Bank N.A.3000 Sarno Rd, Melbourne, FL 32934A+5.0 ★Texas Ratio: 4.24%, TD BankTD Bank7380 Murrell Rd, Melbourne, FL 32940A+5.0 ★Texas Ratio: 3.71%, Seacoast National BankSeacoast National Bank340 N Harbor City Blvd, Melbourne, FL 32935A+5.0 ★Texas Ratio: 2.72%, and Valley National BankValley National Bank6455 N Wickham Rd, Melbourne, FL 32940A+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 Melbourne, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Melbourne 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 Melbourne, Florida

Market share is the lender's share of all home loans closed in Melbourne, 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
Space Coast Credit Union 20 S Wickham Rd, Melbourne, FL 32904 1130 A+5.0 ★Texas Ratio: 5.37%	Conventional, Jumbo, HELOC	112 +169 HELOCs	5.4%	73.5%	$218,928	View
JPMorgan Chase Bank, NA 4 offices in Melbourne 7797 N Wickham Rd, Melbourne, FL 32940 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	23 +2 HELOCs	1.1%	82.1%	$253,260	View
Wells Fargo Bank NA 3 offices in Melbourne 7779 N Wickham Rd, Melbourne, FL 32940 A+5.0 ★Texas Ratio: 5.36%	Conventional	17	0.8%	77.3%	$222,647	View
Truist Bank ★ 1 stars, 1 review 5 offices in Melbourne 8226 N Wickham Rd, Melbourne, FL 32940 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, VA, Jumbo, HELOC	16 +21 HELOCs	0.8%	94.1%	$386,875	View
Bank of America NA 3 offices in Melbourne 6370 N Wickham Rd, Melbourne, FL 32940 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	11 +34 HELOCs	0.5%	91.7%	$392,272	View
Regions Bank 1 office in Melbourne 1051 W New Haven Ave, Melbourne, FL 32904 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	9 +13 HELOCs	0.4%	58.8%	$355,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Melbourne 3000 Sarno Rd, Melbourne, FL 32934 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	8 +14 HELOCs	0.4%	88.9%	$266,250	View
TD Bank 2 offices in Melbourne 7380 Murrell Rd, Melbourne, FL 32940 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	6 +9 HELOCs	0.3%	60%	$216,666	View
Seacoast National Bank ★ 5 stars, 1 review 2 offices in Melbourne 340 N Harbor City Blvd, Melbourne, FL 32935 A+5.0 ★Texas Ratio: 2.72%	Conventional, HELOC	5 +5 HELOCs	0.2%	62.5%	$311,000	View
Valley National Bank 1 office in Melbourne 6455 N Wickham Rd, Melbourne, FL 32940 A+5.0 ★Texas Ratio: 5.76%	Conventional	3	0.1%	100%	$341,666	View
Fifth Third Bank, National Association 2 offices in Melbourne 3035 W New Haven Avenue, Melbourne, FL 32904 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	2 +7 HELOCs	0.1%	50%	$470,000	View
Trustco Bank ★ 1.8 stars, 5 reviews 1 office in Melbourne 2481 Croton Rd, Melbourne, FL 32935 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +2 HELOCs	0.1%	66.7%	$570,000	View
DYBN Financial Corporation dba Morgan Financial	Conventional, VA	34	1.6%	100%	$390,294
Obsidian Financial Services	Conventional	1	0%	100%	$315,000
Launch Credit Union 2200 N Wickham Rd, Melbourne, FL 32935 A5.0 ★Texas Ratio: 7.61%	Conventional	36	1.7%	63%	$112,777	View
Community Credit Union of Florida 333 E Nasa Blvd, Melbourne, FL 32901 1939 A+5.0 ★Texas Ratio: 1.43%	Conventional, FHA, VA, Jumbo, HELOC	26 +64 HELOCs	1.2%	87.1%	$261,153	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	20 +2 HELOCs	1%	74.1%	$347,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, VA	7	0.3%	70%	$285,000	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	4	0.2%	100%	$1,520,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, VA, Jumbo, HELOC	3 +5 HELOCs	0.1%	100%	$575,000	View
VyStar Credit Union 6435 N Wickham Rd, Melbourne, FL 32940 A5.0 ★Texas Ratio: 9.56%	Conventional, HELOC	3 +2 HELOCs	0.1%	75%	$275,000	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	3 +1 HELOCs	0.1%	30%	$288,333	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional, VA	3	0.1%	100%	$315,000	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional	3	0.1%	100%	$161,666	View
Fairwinds Credit Union 891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$145,000	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	2	0.1%	47.1%	$25,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +9 HELOCs	0%	25%	$355,000	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, HELOC	1 +1 HELOCs	0%	33.3%	$95,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	VA	1	0%	100%	$195,000	View
Guardians Credit Union 1301 N Congress Ave, Boynton Beach, FL 33426 A+5.0 ★Texas Ratio: 1.80%	Conventional	1	0%	100%	$135,000	View
Hsbc Bank USA, NA 2950 Aventura Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	1	0%	100%	$2,015,000	View
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	1	0%	100%	$1,015,000	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0%	100%	$275,000	View
Usf Credit Union 16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +1 HELOCs	0%	n/a		View
We Florida Financial 634 NE 3rd Ave, Fort Lauderdale, FL 33304 A+5.0 ★Texas Ratio: 3.51%	HELOC	0 +1 HELOCs	0%	n/a		View
Lennar Mortgage, LLC	Conventional, FHA, VA	149	7.1%	87.7%	$305,067
The Mortgage Firm	Conventional, FHA, VA, Jumbo	83	4%	97.9%	$321,024
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	31	1.5%	81.8%	$378,225
Acrisure Mortgage, LLC	Conventional, FHA, VA	30	1.4%	90.9%	$326,666
Alkan Mortgage Corporation	Conventional, FHA	13	0.6%	93.8%	$317,307
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	10	0.5%	38.7%	$319,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	8	0.4%	100%	$383,750	View
PHH Mortgage Corporation	Conventional, VA	6	0.3%	100%	$410,000
New Day Financial, LLC.	VA	4	0.2%	46.2%	$342,500
Nqm Funding, LLC	Conventional, FHA	2	0.1%	100%	$380,000
Builders Choice Mortgage LLC	VA	2	0.1%	100%	$695,000
Trailblazer Mortgage L.L.C.	Conventional	1	0%	100%	$305,000
Mortgage Lenders Investment Tr	Conventional	1	0%	100%	$165,000
Marine Bank A+5.0 ★Texas Ratio: 4.56%	Conventional	1	0%	100%	$205,000	View
Home Financing Center, Inc.	Conventional	1	0%	100%	$565,000
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	Conventional	1	0%	100%	$115,000	View
Community First Credit Union of FLorida A+5.0 ★Texas Ratio: 3.41%	HELOC	0 +1 HELOCs	0%	n/a		View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	210 +3 HELOCs	10.1%	89.2%	$347,857
Rocket Mortgage	Conventional, FHA, VA	172	8.2%	81.6%	$256,627
Kbhs Home Loans, LLC	Conventional, FHA, VA	64	3.1%	94.1%	$336,718
DHI Mortgage Company, LTD.	Conventional, FHA, VA	59	2.8%	80%	$327,033
Pennymac Loan Services LLC	Conventional, FHA, VA	54	2.6%	88.1%	$330,370
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	52 +1 HELOCs	2.5%	96.3%	$328,846
Pulte Mortgage LLC	Conventional, FHA, VA	50	2.4%	83.3%	$394,200
Mortgage Research Center	Conventional, VA, Jumbo	45	2.2%	68.1%	$355,666
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	44 +18 HELOCs	2.1%	78%	$336,136
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	33	1.6%	75.6%	$305,303	View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	30 +2 HELOCs	1.4%	73.2%	$253,666
New American Funding, LLC.	Conventional, FHA, VA, HELOC	28 +1 HELOCs	1.3%	93.5%	$387,142
Zillow Home Loans, LLC	Conventional, FHA, VA, Jumbo	26	1.2%	92.9%	$330,769
Embrace Home Loans, Inc.	Conventional, FHA, VA	25	1.2%	96.4%	$298,200
Nfm, Inc	Conventional, FHA, VA	24	1.1%	100%	$345,000
Primary Residential Mortgage, INC.	Conventional, FHA, Jumbo	20	1%	100%	$333,000
The Loan Store, Inc	Conventional, VA, HELOC	14 +2 HELOCs	0.7%	100%	$333,571
Nationstar Mortgage	Conventional, FHA, VA	14	0.7%	100%	$234,285
Kind Lending, LLC	Conventional, FHA, VA, HELOC	13 +1 HELOCs	0.6%	76.5%	$346,538
Everett Financial, Inc.	Conventional, FHA, VA	13	0.6%	92.9%	$275,000
Guild Mortgage Company	Conventional, FHA, VA	13	0.6%	92.9%	$261,153
First Heritage Mortgage, LLC	Conventional, FHA, VA	13	0.6%	100%	$460,384
T2 Financial LLC	Conventional, FHA	13	0.6%	100%	$365,769
Direct Mortgage Loans, LLC	Conventional, FHA, VA	13	0.6%	100%	$353,461
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	13	0.6%	100%	$251,153	View
Union Home Mortgage Corp.	Conventional, FHA, VA	12	0.6%	92.3%	$396,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	11	0.5%	73.3%	$249,545	View
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	9	0.4%	76.9%	$259,444	View
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	8	0.4%	88.9%	$302,500
Spring Eq, LLC	Conventional, HELOC	6 +5 HELOCs	0.3%	26.1%	$105,000
Equity Prime Mortgage LLC	FHA, VA	6	0.3%	85.7%	$295,000
Movement Mortgage, LLC	Conventional, VA	6	0.3%	85.7%	$363,333
American Financial Network, Inc.	Conventional, FHA, VA	6	0.3%	100%	$285,000
Meadowbrook Financial Mortgage Bankers Corp.	Conventional, FHA	6	0.3%	85.7%	$323,333
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	6	0.3%	87.5%	$288,333	View
Plaza Home Mortgage, Inc	Conventional, VA	6	0.3%	54.5%	$400,000
Amerisave Mortgage Company	Conventional, FHA, HELOC	5 +1 HELOCs	0.2%	26.3%	$129,000
Guaranteed Rate, Inc.	Conventional, FHA, VA	5	0.2%	83.3%	$341,000
Primelending	Conventional	5	0.2%	100%	$305,000
Affordable Mortgage Advisors	Conventional, FHA, VA	5	0.2%	100%	$325,000
Stg Mortgage Inc	Conventional, FHA	5	0.2%	100%	$357,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, HELOC	4 +1 HELOCs	0.2%	100%	$320,000	View
Cadence Bank	Conventional, FHA	4	0.2%	71.4%	$400,000
EMM Loans LLC	Conventional, FHA	4	0.2%	100%	$342,500
Sun West Mortgage Company, Inc	Conventional, FHA, VA	4	0.2%	100%	$280,000
Total Mortgage Services, LLC	Conventional, FHA, VA	4	0.2%	80%	$510,000
Planet Home Lending, LLC	FHA, VA	4	0.2%	71.4%	$370,000
American Pacific Mortgage Corporation	Conventional, VA	4	0.2%	100%	$382,500
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA	4	0.2%	80%	$287,500	View
Paramount Residential Mortgage	Conventional, FHA, VA	4	0.2%	66.7%	$377,500
Goodleap, LLC	FHA, VA, HELOC	3 +6 HELOCs	0.1%	80%	$371,666
Pentagon Federal Credit Union	VA, HELOC	3 +2 HELOCs	0.1%	50%	$381,666
Guaranteed Rate Affinity, LLC	Conventional, FHA	3	0.1%	100%	$385,000
SWBC Mortgage Corporation	Conventional	3	0.1%	100%	$251,666
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	3	0.1%	100%	$248,333	View
HomeXpress Mortgage Corp.	Conventional, Jumbo	3	0.1%	75%	$515,000
American Financing Corporation	Conventional, FHA	3	0.1%	50%	$148,333
Waterstone Mortgage Corporation	Conventional	3	0.1%	100%	$375,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.1%	100%	$271,666	View
Towne Mortgage Company	Conventional, FHA	3	0.1%	100%	$138,333
Mutual of Omaha Mortgage	Conventional, VA	3	0.1%	50%	$331,666
Fairway Independent Mort Corp	Conventional, FHA, VA	3	0.1%	80%	$385,000
Nexera Holding LLC	Conventional	3	0.1%	100%	$378,333
Village Capital & Investment	FHA, VA	3	0.1%	100%	$438,333
JMAC Lending, Inc.	Conventional, VA	3	0.1%	100%	$461,666
HomeBridge Financial Services, Inc	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$220,000
Northrop Grumman Federal Credit Union	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$170,000
Better Mortgage Corporation	Conventional, HELOC	2 +1 HELOCs	0.1%	33.3%	$380,000
Genisys Credit Union	Conventional, Jumbo	2	0.1%	100%	$875,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional, VA	2	0.1%	100%	$395,000	View
American Financial Resources LLC	Conventional, FHA	2	0.1%	100%	$230,000
Royal United Mortgage LLC	Conventional	2	0.1%	66.7%	$150,000
Atlantic Coast Mortgage, LLC	Conventional	2	0.1%	100%	$170,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	2	0.1%	100%	$365,000
Contour Mortgage Corporation	Conventional	2	0.1%	100%	$95,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	2	0.1%	50%	$265,000
Loanunited.Com, LLC	VA	2	0.1%	100%	$280,000
Filo Mortgage, LLC	Conventional	2	0.1%	100%	$275,000
City Lending Inc. A+5.0 ★Texas Ratio: 1.71%	Conventional, FHA	2	0.1%	100%	$145,000	View
AmWest Funding Corp	Conventional	2	0.1%	100%	$165,000
Absolute Home Mortgage	FHA	2	0.1%	100%	$250,000
ClearPath Lending	VA	2	0.1%	100%	$305,000
Bay Equity LLC	Conventional	2	0.1%	66.7%	$270,000
Calcon Mutual Mortgage LLC	VA	2	0.1%	100%	$805,000
Peoples Mortgage Company	Conventional	2	0.1%	100%	$235,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.1%	100%	$595,000	View
Lake Michigan Credit Union	Conventional, Jumbo	2	0.1%	100%	$1,025,000
Mission Loans, LLC	Conventional	2	0.1%	100%	$380,000
ClearEdge Lending LLC	Conventional	2	0.1%	100%	$580,000
RBC Bank (Georgia), N.A.	Conventional	2	0.1%	66.7%	$160,000
Angel Oak Mortgage Solutions LLC	Conventional	2	0.1%	66.7%	$255,000
Loan Simple, Inc.	FHA	2	0.1%	100%	$315,000
Champions Funding, LLC	Conventional	2	0.1%	100%	$270,000
Trustone Financial Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$205,000
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$315,000	View
Cornerstone First Mortgage, LLC	Conventional	1	0%	100%	$125,000
Premier Mortgage Resources, LLC	Conventional	1	0%	100%	$135,000
First Community Mortgage, Inc.	FHA	1	0%	100%	$345,000
RMC Home Mortgage, LLC	Conventional	1	0%	100%	$765,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0%	100%	$565,000	View
Go Mortgage, LLC	Conventional	1	0%	100%	$275,000
Envoy Mortgage, Ltd	VA	1	0%	100%	$375,000
Nbkc Bank	VA	1	0%	100%	$585,000
Loansteady LLC	Conventional	1	0%	100%	$375,000
Guidance Residential, LLC	Conventional	1	0%	100%	$255,000
Bond Street Mortgage, LLC	Conventional	1	0%	100%	$325,000
City National Bank of WV A+5.0 ★Texas Ratio: 1.47%	Conventional	1	0%	100%	$625,000	View
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$105,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	50%	$285,000	View
5Th Sreet Capital Inc.	Conventional	1	0%	100%	$685,000
Resicentral LLC	Conventional	1	0%	100%	$525,000
Deephaven Mortgage LLC	Conventional	1	0%	50%	$445,000
AdvantageFirst Lending Inc	VA	1	0%	100%	$275,000
Assurance Financial Group, L.L.C.	VA, Jumbo	1	0%	100%	$815,000
Preferred Lending Services, LLC	Conventional	1	0%	100%	$105,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0%	100%	$155,000	View
MortgageCountry	FHA	1	0%	100%	$285,000
Success Mortgage Partners, Inc	Conventional	1	0%	100%	$245,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0%	100%	$245,000
Sfmc, LP	VA	1	0%	100%	$375,000
Discover Bank	Conventional	1	0%	5%	$85,000
Capital Partners Mortgage Services, LLC	FHA	1	0%	100%	$255,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0%	100%	$655,000	View
American Security Mortgage Cor	Conventional	1	0%	100%	$245,000
VanDyk Mortgage Corporation	FHA	1	0%	100%	$265,000
Strong Home Mortgage, LLC	VA	1	0%	100%	$665,000
Ameritrust Mortgage Corporation	FHA	1	0%	100%	$185,000
Cardinal Financial Company, Li	Conventional	1	0%	100%	$645,000
Capital Center LLC	Conventional	1	0%	100%	$315,000
Evergreen Moneysource Mortgage Company	Conventional	1	0%	100%	$785,000
Warshaw Capital, LLC	FHA	1	0%	100%	$195,000
Churchill Mortgage Corporation	VA	1	0%	100%	$395,000
The Equitable Mortgage Corporation	Conventional	1	0%	100%	$305,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$375,000	View
Intelliloan, Inc.	VA	1	0%	100%	$535,000
Nations Lending Corporation	Conventional	1	0%	100%	$175,000
Castle & Cooke Mortgage, LLC	Conventional	1	0%	100%	$145,000
Hometown Equity Mortgage, LLC	FHA	1	0%	100%	$245,000
Wright Patt Credit Union Inc	Conventional	1	0%	100%	$315,000
Lendsure Mortgage Corp.	Conventional	1	0%	100%	$345,000
Together Credit Union A+5.0 ★Texas Ratio: 4.25%	Conventional	1	0%	100%	$325,000
Affinity Federal Credit Union	Conventional	1	0%	100%	$225,000
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	1	0%	100%	$355,000	View
Georgia United Credit Union	Conventional	1	0%	100%	$355,000
Andrews Federal Credit Union	Conventional	1	0%	100%	$195,000
Victorian Finance, LLC	Conventional	1	0%	100%	$325,000
Member First Mortgage, LLC	Conventional	1	0%	100%	$385,000
Tjc Mortgage Inc	FHA	1	0%	100%	$215,000
American Heritage Federal Credit Union A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$235,000	View
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0%	100%	$665,000	View
Mortgage Solutions of Colorado	VA	1	0%	100%	$305,000
Keystone Funding, Inc	FHA	1	0%	100%	$295,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$245,000
Associated Bank NA A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0%	100%	$365,000	View
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional	1	0%	100%	$195,000	View
TowneBank	VA	1	0%	100%	$295,000
Prosperity Home Mortgage, LLC	Conventional	1	0%	50%	$205,000
Veritas Funding, LLC	FHA	1	0%	100%	$215,000
Nationwide Mortgage Bankers, Inc.	FHA	1	0%	100%	$315,000
Nmsi, Inc.	Conventional	1	0%	100%	$425,000
First Merchants Bank A+5.0 ★Texas Ratio: 4.12%	Conventional	1	0%	100%	$85,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0%	100%	$605,000	View
Ascend Federal Credit Union	Conventional	1	0%	100%	$635,000
Reliance First Capital, LLC	Conventional	1	0%	100%	$105,000
Texana Bank	VA	1	0%	100%	$335,000
Civista Bank A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0%	100%	$255,000	View
Geneva Financial LLC	Conventional	1	0%	100%	$235,000
Top Flite Financial, Inc.	FHA	1	0%	100%	$355,000
Vista Point Mortgage, LLC	Conventional	1	0%	100%	$505,000
Tomo Mortgage LLC	Conventional	1	0%	100%	$315,000
Flyhomes Mortgage LLC	Conventional	1	0%	100%	$145,000
Figure Lending LLC	HELOC	0 +19 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +15 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +5 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	n/a		View
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Signature Federal Credit Union A+5.0 ★Texas Ratio: 5.37%	HELOC	0 +1 HELOCs	0%	n/a		View
Tower Federal Credit Union A-4.9 ★Texas Ratio: 16.71%	HELOC	0 +1 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Northwest Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Elements Financial Federal Cre	HELOC	0 +1 HELOCs	0%	n/a
Bank Ozk	HELOC	0 +1 HELOCs	0%	n/a
DFCU Financial	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.

Melbourne 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 Melbourne, Florida

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

Types of Mortgage Lenders in Melbourne, FL

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

Mortgage companies and brokers 151 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 53 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 33 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 77 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 76 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 21 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 32 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Melbourne, FL

Independent mortgage companies closed 77.9 percent of home loans in Melbourne, Florida in 2025, banks 10.2 percent and credit unions 11.8 percent. DYBN Financial Corporation dba Morgan Financial was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, Space Coast Credit Union led with 112 loans.

77.9%

Mortgage companies

10.2%

Banks

11.8%

Credit unions

18%

FHA loans

20%

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 Melbourne, FL

Who is the largest mortgage lender in Melbourne, FL?

By home loans closed in 2025, Space Coast Credit Union was the largest mortgage lender in Melbourne, Florida with 112 loans, about 5.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Melbourne, Florida, The Mortgage Firm approved the highest share of completed applications in 2025 at 97.9 percent, against a 82.1 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 Melbourne, FL mortgage lenders offer FHA, VA and USDA loans?

77 lenders closed FHA loans in Melbourne, Florida in 2025, led by Lennar Mortgage, LLC with 36. 76 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.

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

Yes. 53 banks and 33 credit unions closed home loans in Melbourne, Florida in 2025, alongside 151 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 Melbourne, FL ranked on this page?

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