Mortgage Lenders and Brokers in Milton, 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
Milton, Florida mortgage lenders include Regions BankRegions Bank6650 Caroline St, Milton, FL 32570A+5.0 ★Texas Ratio: 4.37%, Southstate Bank, National AssociationSouthstate Bank, National Association6512 Caroline St, Milton, FL 32570A+5.0 ★Texas Ratio: 2.27%, Truist BankTruist Bank5224 Stewart St, Milton, FL 32570A+5.0 ★Texas Ratio: 2.87%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, Gulf Winds Credit UnionGulf Winds Credit Union5850 Highway 90, Milton, FL 32583A+5.0 ★Texas Ratio: 2.87%, PenAir Credit UnionPenAir Credit Union5056 Dogwood Dr, Milton, FL 32570A+5.0 ★Texas Ratio: 2.97%, City National Bank of FloridaCity National Bank of Florida2999 Ne 191st St, Aventura, FL 33180A5.0 ★Texas Ratio: 7.12%, Santa Rosa County Federal Credit UnionSanta Rosa County Federal Credit Union5909 Stewart St, Milton, FL 32570A+5.0 ★Texas Ratio: 3.29%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, and Members First Credit Union of FloridaMembers First Credit Union of Florida5005 Highway 90, Pace, FL 32571A+5.0 ★Texas Ratio: 1.18%. 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 Milton, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Milton 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 Milton, Florida
Market share is the lender's share of all home loans closed in Milton, 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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1 office in Milton 6650 Caroline St, Milton, FL 32570 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 5 +9 HELOCs |
1.1% | 60% | $123,000 | View |
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★ 5 stars, 1 review 1 office in Milton 6512 Caroline St, Milton, FL 32570 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 5 +1 HELOCs |
1.1% | 100% | $85,000 | View |
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★ 1 stars, 1 review 1 office in Milton 5224 Stewart St, Milton, FL 32570 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $270,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, VA | 8 | 1.8% | 100% | $202,500 | View |
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5850 Highway 90, Milton, FL 32583 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, HELOC | 7 +2 HELOCs |
1.6% | 70% | $137,857 | View |
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5056 Dogwood Dr, Milton, FL 32570 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 5 +8 HELOCs |
1.1% | 62.5% | $159,000 | View |
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2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
FHA | 3 | 0.7% | 100% | $221,666 | View |
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5909 Stewart St, Milton, FL 32570 A+5.0 ★Texas Ratio: 3.29% |
Conventional | 3 | 0.7% | 100% | $121,666 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 100% | $165,000 | View |
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5005 Highway 90, Pace, FL 32571 A+5.0 ★Texas Ratio: 1.18% |
Conventional | 2 | 0.5% | 66.7% | $75,000 | |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.5% | 50% | $165,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $135,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.2% | 100% | $645,000 | View |
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1127 Industrial Dr, Crestview, FL 32539 8950 A+5.0 ★Texas Ratio: 0.79% |
Conventional | 1 | 0.2% | 100% | $75,000 | |
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480 S Highway 29, Cantonment, FL 32533 6406 A5.0 ★Texas Ratio: 6.36% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional | 1 | 0.2% | 100% | $465,000 | 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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★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Acrisure Mortgage, LLC
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Conventional, FHA, VA | 13 | 3% | 92.9% | $311,923 | |
The Mortgage Firm
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Conventional, FHA, VA, USDA | 13 | 3% | 100% | $261,153 | |
Freedom Mortgage Corporation
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FHA, VA | 7 | 1.6% | 100% | $243,571 | |
Coastal Loans, LLC
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Conventional, FHA, VA | 6 | 1.4% | 85.7% | $430,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.5% | 50% | $55,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 43 +6 HELOCs |
9.9% | 86.3% | $224,534 | |
Rocket Mortgage
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Conventional, FHA, VA | 38 | 8.7% | 75% | $183,684 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 32 +1 HELOCs |
7.4% | 94.4% | $280,937 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA, VA, USDA | 19 | 4.4% | 100% | $281,315 | View |
Mortgage Research Center
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VA | 17 | 3.9% | 85% | $293,823 | |
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A+5.0 ★Texas Ratio: 2.02% |
FHA, VA, USDA | 13 | 3% | 86.7% | $302,692 | View |
Guild Mortgage Company
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Conventional, FHA, VA | 11 | 2.5% | 100% | $264,090 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 11 | 2.5% | 78.6% | $216,818 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 10 | 2.3% | 84.6% | $235,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, USDA | 9 | 2.1% | 90% | $218,333 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 8 | 1.8% | 100% | $386,250 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA | 7 | 1.6% | 100% | $253,571 | View |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 7 | 1.6% | 100% | $327,857 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 6 | 1.4% | 100% | $253,333 | |
Cadence Bank
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Conventional, FHA | 5 | 1.1% | 100% | $179,000 | |
Primary Residential Mortgage, INC.
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Conventional, VA | 5 | 1.1% | 100% | $251,000 | |
Gardner Financial Services
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Conventional, VA | 5 | 1.1% | 100% | $293,000 | |
Nationstar Mortgage
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Conventional | 5 | 1.1% | 100% | $109,000 | |
Synovus Bank
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Conventional, FHA, Jumbo, HELOC | 4 +2 HELOCs |
0.9% | 57.1% | $410,000 | |
Das Acquisition Company, LLC
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Conventional | 4 | 0.9% | 100% | $207,500 | |
Village Capital & Investment
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FHA, VA | 4 | 0.9% | 100% | $317,500 | |
CrossCountry Mortgage, LLC
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FHA, VA | 3 | 0.7% | 100% | $258,333 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 0.7% | 75% | $201,666 | |
Towne Mortgage Company
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FHA, VA | 3 | 0.7% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, VA | 3 | 0.7% | 57.1% | $155,000 | View |
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A5.0 ★Texas Ratio: 12.33% |
Conventional, FHA | 2 | 0.5% | 100% | $295,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 2 | 0.5% | 100% | $270,000 | |
Guaranteed Rate, Inc.
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VA | 2 | 0.5% | 100% | $360,000 | |
Primelending
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Conventional, VA | 2 | 0.5% | 100% | $370,000 | |
Equity Prime Mortgage LLC
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VA, USDA | 2 | 0.5% | 100% | $225,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.5% | 25% | $90,000 | |
American Financing Corporation
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Conventional | 2 | 0.5% | 75% | $175,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.5% | 50% | $205,000 | View |
Planet Home Lending, LLC
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VA | 2 | 0.5% | 100% | $215,000 | |
Waterstone Mortgage Corporation
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Conventional, VA | 2 | 0.5% | 100% | $210,000 | |
American Pacific Mortgage Corporation
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VA | 2 | 0.5% | 66.7% | $345,000 | |
Summit Funding.Inc
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Conventional, FHA | 2 | 0.5% | 100% | $200,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, VA | 2 | 0.5% | 100% | $255,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.5% | 100% | $205,000 | View |
Spring Eq, LLC
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Conventional | 2 | 0.5% | 75% | $75,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.5% | 100% | $260,000 | |
Goodleap, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $65,000 | |
HomeBridge Financial Services, Inc
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VA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $345,000 | |
Equity Resources Inc
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Tidewater Home Funding, LLC
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VA | 1 | 0.2% | 100% | $335,000 | |
First Community Mortgage, Inc.
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VA | 1 | 0.2% | 100% | $235,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $225,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $175,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $415,000 | |
MortgageOne, Inc
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FHA | 1 | 0.2% | 100% | $345,000 | |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Kind Lending, LLC
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FHA | 1 | 0.2% | 100% | $275,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.2% | 100% | $485,000 | |
United Trust Bank
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VA | 1 | 0.2% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
Mortgage 1 Incorporated
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Conventional | 1 | 0.2% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
East Coast Capital Corp.
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FHA | 1 | 0.2% | 100% | $255,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $205,000 | |
Union Home Mortgage Corp.
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VA | 1 | 0.2% | 100% | $195,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.2% | 100% | $315,000 | |
DSLD Mortgage LLC
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FHA | 1 | 0.2% | 100% | $255,000 | |
Embrace Home Loans, Inc.
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FHA | 1 | 0.2% | 100% | $335,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $455,000 | |
BoxCar Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
Pentagon Federal Credit Union
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FHA | 1 | 0.2% | 100% | $295,000 | |
Mortgage Solutions of Colorado
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FHA | 1 | 0.2% | 100% | $255,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.2% | 100% | $245,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.2% | 50% | $75,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
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A-4.9 ★Texas Ratio: 16.71% |
FHA | 1 | 0.2% | 100% | $115,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.2% | 100% | $125,000 | View |
Gmfs, LLC
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USDA | 1 | 0.2% | 100% | $345,000 | |
Texana Bank
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VA | 1 | 0.2% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 5.53% |
FHA | 1 | 0.2% | 100% | $225,000 | View |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
All In Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Milton 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 Milton, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Milton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Milton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Milton, FL
Use these to narrow the list above. Each category shows how many Milton, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Milton, FL
Independent mortgage companies closed 66.9 percent of home loans in Milton, Florida in 2025, banks 17.9 percent and credit unions 15.2 percent. Acrisure Mortgage, LLC was the largest mortgage company, Regions Bank the largest bank and Gulf Winds Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 5 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 Milton, FL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Milton, Florida with 5 loans, about 1.1 percent of the market. The largest lender headquartered in Florida was Southstate Bank, National Association with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
44 lenders closed FHA loans in Milton, Florida in 2025, led by United Wholesale Mortgage with 8. 43 lenders closed VA loans, led by Mortgage Research Center, and 6 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. 33 banks and 12 credit unions closed home loans in Milton, Florida in 2025, alongside 64 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 Milton, 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 Milton, 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 Milton. 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.
