Mortgage Lenders and Brokers in Neptune Beach, 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
Neptune Beach, Florida mortgage lenders include Regions BankRegions Bank115 3rd St, Neptune Beach, FL 32266A+5.0 ★Texas Ratio: 4.37%, Bank of America NABank of America NA301 3rd St, Neptune Beach, FL 32266A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA650 Atlantic Blvd, Neptune Beach, FL 32266A+5.0 ★Texas Ratio: 3.68%, Ameris BankAmeris Bank560 Atlantic Blvd, Neptune Beach, FL 32266A+5.0 ★Texas Ratio: 1.82%, VyStar Credit UnionVyStar Credit Union1307 Atlantic Blvd, Neptune Beach, FL 32266A5.0 ★Texas Ratio: 9.56%, Radifi Federal Credit UnionRadifi Federal Credit Union801 Atlantic Blvd, Atlantic Beach, FL 32233, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, Renasant BankRenasant Bank16404 Nw 17th Drive, Alachua, FL 32615A+5.0 ★Texas Ratio: 4.72%, and Citizens Bank, NACitizens Bank, NA2222 Ponce De Leon Blvd, Coral Gables, FL 33134A+5.0 ★Texas Ratio: 5.44%. 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 Neptune Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Neptune 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 Neptune Beach, Florida
Market share is the lender's share of all home loans closed in Neptune 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 |
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1 office in Neptune Beach 115 3rd St, Neptune Beach, FL 32266 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 6 +1 HELOCs |
4.9% | 77.8% | $218,333 | View |
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1 office in Neptune Beach 301 3rd St, Neptune Beach, FL 32266 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +8 HELOCs |
2.5% | 75% | $831,666 | View |
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1 office in Neptune Beach 650 Atlantic Blvd, Neptune Beach, FL 32266 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 50% | $345,000 | View |
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★ 4 stars, 1 review 1 office in Neptune Beach 560 Atlantic Blvd, Neptune Beach, FL 32266 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.8% | 100% | $525,000 | View |
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1307 Atlantic Blvd, Neptune Beach, FL 32266 A5.0 ★Texas Ratio: 9.56% |
Conventional, Jumbo, HELOC | 9 +12 HELOCs |
7.4% | 84.6% | $707,222 | View |
Radifi Federal Credit Union
801 Atlantic Blvd, Atlantic Beach, FL 32233 |
Conventional, Jumbo | 5 | 4.1% | 100% | $513,000 | |
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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 | 2 +2 HELOCs |
1.6% | 100% | $505,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1.6% | 100% | $625,000 | View |
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16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72% |
Conventional, Jumbo | 2 | 1.6% | 100% | $935,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.8% | 50% | $3,005,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $705,000 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 1 | 0.8% | 100% | $975,000 | View |
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101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.8% | 100% | $805,000 | View |
Florida Capital Bank, N.A
241 Sw 7th Ter, Gainesville, FL 32601 |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,005,000 | |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
HELOC | 0 +1 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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5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 3.41% |
Conventional, Jumbo, HELOC | 5 +6 HELOCs |
4.1% | 71.4% | $415,000 | View |
Freedom Mortgage Corporation
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VA | 2 | 1.6% | 100% | $420,000 | |
United Wholesale Mortgage
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Conventional, FHA, Jumbo, HELOC | 16 +2 HELOCs |
13.1% | 94.1% | $590,000 | |
Rocket Mortgage
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Conventional, VA, HELOC | 8 +1 HELOCs |
6.6% | 72.7% | $346,250 | |
Movement Mortgage, LLC
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Conventional, VA, Jumbo | 7 | 5.7% | 100% | $772,142 | |
Loanpeople, LLC
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Conventional, VA, Jumbo | 5 | 4.1% | 100% | $1,039,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
2.5% | 100% | $875,000 | View |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA, Jumbo | 3 | 2.5% | 100% | $675,000 | View |
Prosperity Home Mortgage, LLC
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Conventional, VA | 3 | 2.5% | 100% | $655,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +4 HELOCs |
1.6% | 50% | $185,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1.6% | 100% | $815,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.6% | 100% | $300,000 | |
The Loan Store, Inc
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FHA | 2 | 1.6% | 100% | $510,000 | |
Texana Bank
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Conventional | 2 | 1.6% | 100% | $505,000 | |
Guaranteed Rate, Inc.
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VA, HELOC | 1 +1 HELOCs |
0.8% | 100% | $455,000 | |
EMM Loans LLC
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Conventional | 1 | 0.8% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.48% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,105,000 | View |
Fundloans Capital
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Conventional | 1 | 0.8% | 100% | $775,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,485,000 | View |
loanDepot.com LLC
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Conventional | 1 | 0.8% | 100% | $665,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.8% | 100% | $325,000 | View |
Filo Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $455,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.8% | 50% | $525,000 | |
Sunmark Community Bank
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,265,000 | |
Guild Mortgage Company
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Conventional, Jumbo | 1 | 0.8% | 100% | $3,405,000 | |
Redwood Residential Acquisition Corporation
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,485,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.8% | 100% | $495,000 | View |
Discover Bank
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Conventional | 1 | 0.8% | 50% | $45,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.8% | 100% | $365,000 | |
Eastman Credit Union
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Conventional | 1 | 0.8% | 100% | $755,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.8% | 100% | $495,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 100% | $465,000 | View |
Mortgage Research Center
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VA, Jumbo | 1 | 0.8% | 100% | $1,445,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,825,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.8% | 100% | $455,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.8% | 100% | $155,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.8% | 100% | $585,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Synovus Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Bank Ozk
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Neptune Beach 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 Neptune Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Neptune Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Neptune Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Neptune Beach, FL
Use these to narrow the list above. Each category shows how many Neptune Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Neptune Beach, FL
Independent mortgage companies closed 56.6 percent of home loans in Neptune Beach, Florida in 2025, banks 25.4 percent and credit unions 18 percent. Freedom Mortgage Corporation was the largest mortgage company, Regions Bank the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, VyStar Credit Union led with 9 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 Neptune Beach, FL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Neptune Beach, Florida with 6 loans, about 4.9 percent of the market. The largest lender headquartered in Florida was VyStar Credit Union with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Neptune Beach, Florida in 2025, led by The Loan Store, Inc with 2. 8 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 26 banks and 6 credit unions closed home loans in Neptune Beach, Florida in 2025, alongside 30 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 Neptune 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 Neptune 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 Neptune 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.
