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Mortgage Lenders and Brokers in Miramar Beach, Florida

Content reviewed by

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

Miramar Beach, Florida mortgage lenders include Community Bank of MississippiCommunity Bank of Mississippi12590 Emerald Coast Pkwy W, Miramar Beach, FL 32550A+5.0 ★Texas Ratio: 3.09%, BankplusBankplus4881 Nw 8th Ave, Gainesville, FL 32605A+5.0 ★Texas Ratio: 4.80%, Regions BankRegions Bank200 Grand Blvd, Miramar Beach, FL 32550A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank9461 Emerald Coast Pkwy W, Miramar Beach, FL 32550A+5.0 ★Texas Ratio: 4.72%, First National Bank of DecaturFirst National Bank of Decatur91 Scenic Gulf Dr, Miramar Beach, FL 32550A-4.3 ★Texas Ratio: 5.54%, Huntington National BankHuntington National Bank8889 Pelican Bay Blvd, Naples, FL 34108A+5.0 ★Texas Ratio: 3.66%, Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, Trustmark BankTrustmark Bank993 Us Highway 31 South, Defuniak Springs, FL 32435A+5.0 ★Texas Ratio: 2.40%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, and US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%. 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 Miramar Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Miramar Beach 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 Miramar Beach, Florida

Market share is the lender's share of all home loans closed in Miramar Beach, 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
Community Bank of Mississippi 1 office in Miramar Beach 12590 Emerald Coast Pkwy W, Miramar Beach, FL 32550 A+5.0 ★Texas Ratio: 3.09%	Conventional, Jumbo, HELOC	18 +1 HELOCs	4.7%	100%	$513,888	View
Bankplus 1 office in Miramar Beach 4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80%	Conventional, VA, Jumbo, HELOC	11 +1 HELOCs	2.9%	91.7%	$489,545	View
Regions Bank 1 office in Miramar Beach 200 Grand Blvd, Miramar Beach, FL 32550 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	6 +11 HELOCs	1.6%	77.8%	$1,088,333	View
Renasant Bank 1 office in Miramar Beach 9461 Emerald Coast Pkwy W, Miramar Beach, FL 32550 A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	2 +2 HELOCs	0.5%	66.7%	$540,000	View
First National Bank of Decatur 1 office in Miramar Beach 91 Scenic Gulf Dr, Miramar Beach, FL 32550 A-4.3 ★Texas Ratio: 5.54%	Conventional	2	0.5%	100%	$535,000	View
Huntington National Bank 1 office in Miramar Beach 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.3%	100%	$415,000	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, Jumbo, HELOC	23 +2 HELOCs	6%	95.8%	$688,913	View
Trustmark Bank 993 Us Highway 31 South, Defuniak Springs, FL 32435 A+5.0 ★Texas Ratio: 2.40%	Conventional, HELOC	11 +4 HELOCs	2.9%	91.7%	$477,727	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional, Jumbo	5	1.3%	100%	$497,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional	4	1%	66.7%	$552,500	View
JPMorgan Chase Bank, NA 500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	4	1%	66.7%	$1,260,000	View
Eglin Federal Credit Union 1127 Industrial Dr, Crestview, FL 32539 8950 A+5.0 ★Texas Ratio: 0.79%	Conventional	2	0.5%	100%	$410,000
Wells Fargo Bank NA 1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	2	0.5%	33.3%	$810,000	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	2	0.5%	100%	$1,390,000	View
Truist Bank ★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo	2	0.5%	100%	$1,105,000	View
Bank of America NA 460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	1 +4 HELOCs	0.3%	100%	$4,195,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +3 HELOCs	0.3%	50%	$405,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.3%	100%	$815,000	View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.3%	100%	$855,000	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	1	0.3%	100%	$945,000	View
First Security Bank 151 East County Highway 30a, Santa Rosa Beach, FL 32459 A+5.0 ★Texas Ratio: 0.58%	Conventional, Jumbo	1	0.3%	100%	$2,725,000	View
Servisfirst Bank 316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75%	Conventional, Jumbo	1	0.3%	100%	$1,805,000	View
Climate First Bank 2755 E Orange Ave, Eustis, FL 32726 A+5.0 ★Texas Ratio: 1.15%	Conventional	1	0.3%	50%	$455,000	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	1	0.3%	66.7%	$75,000	View
Pinnacle Bank 130 S Park Ave, Apopka, FL 32703 A+5.0 ★Texas Ratio: 3.04%	Conventional, Jumbo	1	0.3%	100%	$1,715,000	View
Prime Meridian Bank 2201 Crawfordville Hwy, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.17%	Conventional, Jumbo	1	0.3%	100%	$4,015,000	View
Encore Bank 2501 N Rocky Point Dr, Tampa, FL 33607 A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo	1	0.3%	100%	$855,000	View
Colony Bank 10970 San Jose Boulevard, Jacksonville, FL 32223 A+5.0 ★Texas Ratio: 4.01%	Conventional	1	0.3%	100%	$795,000	View
PenAir Credit Union 1345 Industrial Dr, Crestview, FL 32539 8984 A+5.0 ★Texas Ratio: 2.97%	Conventional	1	0.3%	100%	$165,000	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo	1	0.3%	100%	$885,000	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41%	HELOC	0 +4 HELOCs	0%	0%		View
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +3 HELOCs	0%	0%		View
Centennial Bank 22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14%	HELOC	0 +2 HELOCs	0%	n/a		View
Capital City Bank 15000 Nw 140th St, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.55%	HELOC	0 +1 HELOCs	0%	n/a		View
Smartbank 34990 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 1.74%	HELOC	0 +1 HELOCs	0%	n/a		View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +1 HELOCs	0%	n/a		View
Freedom Mortgage Corporation	Conventional, VA	2	0.5%	66.7%	$505,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.3%	100%	$465,000	View
LoanFlight Lending, LLC.	Conventional	1	0.3%	50%	$695,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	28 +1 HELOCs	7.3%	82.4%	$581,785
Rocket Mortgage	Conventional, VA, Jumbo	16	4.2%	50%	$544,375
Cadence Bank	Conventional, VA, Jumbo, HELOC	13 +7 HELOCs	3.4%	100%	$459,615
T2 Financial LLC	Conventional, VA, Jumbo	9	2.4%	81.8%	$445,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, HELOC	7 +1 HELOCs	1.8%	100%	$476,428	View
CrossCountry Mortgage, LLC	Conventional, VA, Jumbo	7	1.8%	100%	$485,000
Pennymac Loan Services LLC	Conventional, VA	7	1.8%	88.9%	$309,285
Arc Home LLC	Conventional	6	1.6%	100%	$258,333
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional	6	1.6%	54.5%	$461,666	View
Movement Mortgage, LLC	Conventional, VA	6	1.6%	100%	$418,333
Waterstone Mortgage Corporation	Conventional, VA	5	1.3%	71.4%	$495,000
Primelending	Conventional, Jumbo	4	1%	80%	$625,000
Nfm, Inc	Conventional	4	1%	100%	$522,500
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	4	1%	100%	$1,072,500	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	4	1%	100%	$1,075,000	View
Synovus Bank	Conventional, FHA, Jumbo, HELOC	3 +1 HELOCs	0.8%	100%	$835,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	3	0.8%	75%	$928,333	View
Kind Lending, LLC	Conventional	3	0.8%	75%	$415,000
loanDepot.com LLC	Conventional	3	0.8%	57.1%	$301,666
Click n' Close, Inc.	Conventional, FHA, Jumbo	3	0.8%	100%	$658,333
American Pacific Mortgage Corporation	Conventional, FHA	3	0.8%	100%	$681,666
Towne Mortgage Company	FHA, VA	3	0.8%	100%	$571,666
The Loan Store, Inc	Conventional, Jumbo	3	0.8%	100%	$758,333
Fairway Independent Mort Corp	Conventional, FHA	3	0.8%	100%	$425,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	2 +2 HELOCs	0.5%	25%	$435,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.5%	100%	$1,250,000
Southern Bank of Tennessee	Conventional, Jumbo	2	0.5%	100%	$1,360,000
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	Conventional, Jumbo	2	0.5%	100%	$905,000	View
American Financial Resources LLC	Conventional, FHA	2	0.5%	100%	$630,000
Residential Wholesale Mortgage	Conventional, VA	2	0.5%	100%	$530,000
Everett Financial, Inc.	Conventional	2	0.5%	100%	$420,000
Trinity Capital Bank of Texas A+5.0 ★Texas Ratio: 3.35%	Conventional, Jumbo	2	0.5%	100%	$1,970,000	View
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	2	0.5%	100%	$680,000	View
HomeXpress Mortgage Corp.	Conventional, Jumbo	2	0.5%	50%	$660,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	VA, Jumbo	2	0.5%	100%	$760,000	View
Planet Home Lending, LLC	Conventional, VA	2	0.5%	50%	$410,000
Hometown Equity Mortgage, LLC	Conventional	2	0.5%	50%	$345,000
Lendsure Mortgage Corp.	Conventional	2	0.5%	100%	$285,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	2	0.5%	100%	$1,265,000	View
Independent Bank A5.0 ★Texas Ratio: 6.46%	Conventional	2	0.5%	100%	$380,000	View
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional, VA	2	0.5%	100%	$300,000	View
New American Funding, LLC.	Conventional, Jumbo	2	0.5%	66.7%	$1,235,000
First National Bank of Hutchinson A+5.0 ★Texas Ratio: 2.58%	Conventional	2	0.5%	100%	$645,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.5%	66.7%	$135,000	View
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, VA	2	0.5%	50%	$340,000	View
Spring Eq, LLC	Conventional, HELOC	1 +2 HELOCs	0.3%	50%	$95,000
Guaranteed Rate, Inc.	Conventional, HELOC	1 +1 HELOCs	0.3%	100%	$455,000
Bank of England A5.0 ★Texas Ratio: 6.45%	Conventional	1	0.3%	100%	$425,000	View
Southpoint Bank	Conventional, Jumbo	1	0.3%	100%	$1,045,000
Verus A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.3%	100%	$585,000	View
First Community Mortgage, Inc.	Conventional	1	0.3%	100%	$695,000
Cliffco, Inc.	Conventional	1	0.3%	100%	$805,000
b1BANK A5.0 ★Texas Ratio: 9.53%	Conventional	1	0.3%	100%	$435,000	View
Jet Direct Funding Corp.	Conventional	1	0.3%	100%	$465,000
Fundloans Capital	Conventional, Jumbo	1	0.3%	100%	$605,000
Bank of Frankewing F2.7 ★Texas Ratio: 42.60%	Conventional	1	0.3%	100%	$395,000	View
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	VA	1	0.3%	100%	$535,000	View
All Credit Considered Mortgage, Inc.	Conventional	1	0.3%	100%	$695,000
Nbkc Bank	VA	1	0.3%	100%	$375,000
Avadian Credit Union	Conventional	1	0.3%	100%	$565,000
Bonvenu Bank, Na A+5.0 ★Texas Ratio: 0.95%	VA	1	0.3%	100%	$715,000	View
Deephaven Mortgage LLC	Conventional	1	0.3%	100%	$315,000
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional	1	0.3%	100%	$515,000	View
Amerisave Mortgage Company	Conventional	1	0.3%	25%	$145,000
Emporium Tpo LLC	Conventional	1	0.3%	100%	$455,000
Sunmark Community Bank	Conventional	1	0.3%	100%	$145,000
Synergy One Lending, Inc.	Conventional	1	0.3%	100%	$545,000
Guild Mortgage Company	VA	1	0.3%	100%	$665,000
Orion Federal Credit Union A5.0 ★Texas Ratio: 9.12%	Conventional	1	0.3%	100%	$215,000	View
American Financial Network, Inc.	Conventional	1	0.3%	100%	$365,000
Saint Louis Bank	Conventional, Jumbo	1	0.3%	100%	$1,005,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, Jumbo	1	0.3%	100%	$1,005,000	View
River Bank & Trust	Conventional	1	0.3%	100%	$365,000
Flint Community Bank B+4.7 ★Texas Ratio: 18.53%	Conventional, Jumbo	1	0.3%	100%	$1,315,000	View
Midwest Heritage Bank FSB A5.0 ★Texas Ratio: 9.76%	Conventional	1	0.3%	100%	$115,000	View
TEG Federal Credit Union	Conventional	1	0.3%	100%	$655,000
Heritage Bank of St. Tammany	Conventional	1	0.3%	100%	$255,000
Investar Bank A+5.0 ★Texas Ratio: 5.42%	Conventional	1	0.3%	100%	$295,000	View
Alabama Central Credit Union	Conventional	1	0.3%	100%	$265,000
Associated Mortgage Bankers Inc.	Conventional, Jumbo	1	0.3%	100%	$2,985,000
American Heritage Lending, LLC	Conventional	1	0.3%	100%	$505,000
Chevron Federal Credit Union	Conventional, Jumbo	1	0.3%	100%	$895,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.3%	100%	$605,000
Homeowners Financial Group, LLC	Conventional	1	0.3%	100%	$625,000
F&M Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.3%	100%	$505,000	View
Pinnacle Bank A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0.3%	100%	$475,000	View
Delta Community Credit Union	Conventional	1	0.3%	100%	$295,000
Thomasville National Bank	Conventional	1	0.3%	100%	$225,000
Peoples Mortgage Company	Conventional	1	0.3%	100%	$335,000
Payne County Bank A5.0 ★Texas Ratio: 6.54%	Conventional	1	0.3%	100%	$195,000	View
Planters Bank, Inc. A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.3%	100%	$645,000	View
First Equity Mortgage Inc	Conventional	1	0.3%	100%	$355,000
Simmons Bank A+5.0 ★Texas Ratio: 5.33%	Conventional, Jumbo	1	0.3%	100%	$1,485,000	View
Union Savings Bank	Conventional	1	0.3%	100%	$435,000
Nationstar Mortgage	Conventional	1	0.3%	33.3%	$365,000
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0.3%	100%	$325,000	View
Empeople Credit Union	Conventional	1	0.3%	100%	$685,000
First Jackson Bank, Inc	Conventional	1	0.3%	100%	$765,000
Mortgage Research Center	VA	1	0.3%	33.3%	$215,000
Wings Financial Credit Union	Conventional	1	0.3%	100%	$285,000
Franklin Bank & Trust Company A5.0 ★Texas Ratio: 6.93%	Conventional	1	0.3%	100%	$275,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	1	0.3%	100%	$1,305,000	View
Legacy Home Loans, LLC	Conventional, Jumbo	1	0.3%	100%	$835,000
Relyance Bank	Conventional, Jumbo	1	0.3%	100%	$2,405,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.3%	100%	$205,000
Citadel Servicing Corporation	Conventional	1	0.3%	100%	$505,000
Nations Direct Mortgage, LLC	Conventional	1	0.3%	100%	$485,000
TowneBank	Conventional, Jumbo	1	0.3%	100%	$1,205,000
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.3%	100%	$435,000
Citizens Bank of Kentucky, Inc. A+5.0 ★Texas Ratio: 3.26%	Conventional, Jumbo	1	0.3%	100%	$1,275,000	View
Vista Bank A+5.0 ★Texas Ratio: 4.72%	Conventional, Jumbo	1	0.3%	100%	$825,000	View
Geneva Financial LLC	FHA	1	0.3%	100%	$415,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.3%	100%	$805,000
Superior Credit Union, Inc. A+5.0 ★Texas Ratio: 4.32%	Conventional	1	0.3%	100%	$575,000	View
Security Service	Conventional	1	0.3%	100%	$745,000
Five Star Credit Union	Conventional	1	0.3%	100%	$685,000
Old Second National Bank A5.0 ★Texas Ratio: 6.17%	Conventional	1	0.3%	100%	$425,000	View
JMAC Lending, Inc.	Conventional	1	0.3%	100%	$355,000
All In Credit Union	HELOC	0 +10 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	0%
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Better Mortgage Corporation	HELOC	0 +1 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	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.

Miramar Beach 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 Miramar Beach, Florida

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

Types of Mortgage Lenders in Miramar Beach, FL

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

Mortgage companies and brokers 65 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 82 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 18 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 8 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 22 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 53 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 11 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Miramar Beach, FL

Independent mortgage companies closed 44.2 percent of home loans in Miramar Beach, Florida in 2025, banks 51 percent and credit unions 4.7 percent. Triad Financial Services, Inc. was the largest mortgage company, Community Bank of Mississippi the largest bank and Eglin Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 23 loans.

44.2%

Mortgage companies

51%

Banks

4.7%

Credit unions

FHA loans

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 Miramar Beach, FL

Who is the largest mortgage lender in Miramar Beach, FL?

By home loans closed in 2025, Community Bank of Mississippi was the largest mortgage lender in Miramar Beach, Florida with 18 loans, about 4.7 percent of the market. The largest lender headquartered in Florida was Southstate Bank, National Association with 23 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

8 lenders closed FHA loans in Miramar Beach, Florida in 2025, led by United Wholesale Mortgage with 1. 22 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 Miramar Beach, FL lender list?

Yes. 82 banks and 18 credit unions closed home loans in Miramar Beach, Florida in 2025, alongside 65 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 Miramar Beach, FL ranked on this page?

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