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Mortgage Lenders and Brokers in New Smyrna Beach, Florida

Content reviewed by

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

New Smyrna Beach, Florida mortgage lenders include Regions BankRegions Bank900 N Dixie Fwy, New Smyrna Beach, FL 32168A+5.0 ★Texas Ratio: 4.37%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA725 E 3rd Ave, New Smyrna Beach, FL 32169A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank705 E 3rd Ave, New Smyrna Beach, FL 32169A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA1880 State Road 44, New Smyrna Beach, FL 32168A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA1791 State Road 44, New Smyrna Beach, FL 32168A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.2230 State Road 44, New Smyrna Beach, FL 32168A+5.0 ★Texas Ratio: 4.24%, TD BankTD Bank1811 State Road 44, New Smyrna Beach, FL 32168A+5.0 ★Texas Ratio: 3.71%, Space Coast Credit UnionSpace Coast Credit Union1701 S Dixie Fwy, New Smyrna Beach, FL 32168 7733A+5.0 ★Texas Ratio: 5.37%, Fairwinds Credit UnionFairwinds Credit Union2222 Florida 44, New Smyrna Beach, FL 32168A+5.0 ★Texas Ratio: 2.64%, and Launch Credit UnionLaunch Credit Union14640 Hanger Rd, Cape Canaveral, FL 32920A5.0 ★Texas Ratio: 7.61%. 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 New Smyrna Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in New Smyrna 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 New Smyrna Beach, Florida

Market share is the lender's share of all home loans closed in New Smyrna 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
Regions Bank 1 office in New Smyrna Beach 900 N Dixie Fwy, New Smyrna Beach, FL 32168 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, Jumbo, HELOC	18 +7 HELOCs	2%	76.7%	$513,888	View
JPMorgan Chase Bank, NA 1 office in New Smyrna Beach 725 E 3rd Ave, New Smyrna Beach, FL 32169 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	11 +1 HELOCs	1.2%	85.7%	$454,090	View
Truist Bank ★ 1 stars, 1 review 1 office in New Smyrna Beach 705 E 3rd Ave, New Smyrna Beach, FL 32169 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	9 +19 HELOCs	1%	90%	$286,111	View
Bank of America NA 1 office in New Smyrna Beach 1880 State Road 44, New Smyrna Beach, FL 32168 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	7 +19 HELOCs	0.8%	87.5%	$739,285	View
Wells Fargo Bank NA 1 office in New Smyrna Beach 1791 State Road 44, New Smyrna Beach, FL 32168 A+5.0 ★Texas Ratio: 5.36%	Conventional	6	0.7%	85.7%	$315,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in New Smyrna Beach 2230 State Road 44, New Smyrna Beach, FL 32168 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, Jumbo, HELOC	5 +16 HELOCs	0.5%	83.3%	$453,000	View
TD Bank 1 office in New Smyrna Beach 1811 State Road 44, New Smyrna Beach, FL 32168 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	4 +12 HELOCs	0.4%	57.1%	$95,000	View
Space Coast Credit Union 1701 S Dixie Fwy, New Smyrna Beach, FL 32168 7733 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	28 +56 HELOCs	3%	74.4%	$186,785	View
Fairwinds Credit Union 2222 Florida 44, New Smyrna Beach, FL 32168 A+5.0 ★Texas Ratio: 2.64%	Conventional, HELOC	13 +6 HELOCs	1.4%	48.3%	$206,538	View
Launch Credit Union 14640 Hanger Rd, Cape Canaveral, FL 32920 A5.0 ★Texas Ratio: 7.61%	Conventional	9	1%	52.6%	$85,000	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, FHA, HELOC	6 +6 HELOCs	0.7%	100%	$261,666	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, VA	5	0.5%	85.7%	$233,000	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	4 +4 HELOCs	0.4%	66.7%	$205,000	View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	Conventional, HELOC	4 +4 HELOCs	0.4%	100%	$392,500	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	4 +1 HELOCs	0.4%	50%	$225,000	View
Mainstreet Community Bank of Florida 1515 E Highway 50, Clermont, FL 34711 A-5.0 ★Texas Ratio: 14.27%	Conventional, Jumbo	4	0.4%	80%	$785,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +4 HELOCs	0.3%	100%	$148,333	View
Trustco Bank ★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	3 +3 HELOCs	0.3%	100%	$61,666	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$551,666	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	3	0.3%	100%	$885,000	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, HELOC	2 +1 HELOCs	0.2%	100%	$875,000	View
Valley National Bank 19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$565,000	View
Ithink Financial Credit Union 790 Park of Commerce Blvd, Boca Raton, FL 33487 A+5.0 ★Texas Ratio: 5.06%	Conventional	2	0.2%	100%	$370,000	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional, Jumbo	2	0.2%	100%	$1,610,000	View
Florida Credit Union 10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$205,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$225,000	View
Community Credit Union of Florida 660 West Ave, Cocoa, FL 32927 4971 A+5.0 ★Texas Ratio: 1.43%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$405,000	View
VyStar Credit Union 16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56%	Conventional, HELOC	1 +2 HELOCs	0.1%	25%	$65,000	View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$355,000	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	1	0.1%	50%	$35,000	View
Tropical Financial Credit Union 8947 W Atlantic Blvd, Coral Springs, FL 33071 A5.0 ★Texas Ratio: 6.93%	Conventional	1	0.1%	100%	$545,000	View
Renasant Bank 16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.1%	100%	$275,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	FHA	1	0.1%	100%	$245,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	VA, Jumbo	1	0.1%	100%	$1,105,000	View
Cogent Bank 1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54%	Conventional, Jumbo	1	0.1%	100%	$1,755,000	View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	100%	$445,000	View
One Florida Bank 21 E 3rd St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 1.41%	Conventional, Jumbo	1	0.1%	100%	$1,235,000	View
First Florida Credit Union 8300 NW 53rd St, Doral, FL 33166 7710 A+5.0 ★Texas Ratio: 3.47%	Conventional	1	0.1%	100%	$405,000	View
Addition Financial Credit Union 847 S Orange Blossom Trl, Apopka, FL 32703 A5.0 ★Texas Ratio: 6.85%	HELOC	0 +2 HELOCs	0%	n/a		View
First American Bank 540 Biltmore Way, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Taylor Morrison Home Funding, Inc.	Conventional, FHA, VA	28	3%	87.5%	$431,428
The Mortgage Firm	Conventional, FHA, VA, Jumbo	20	2.2%	100%	$384,500
Freedom Mortgage Corporation	Conventional, FHA, VA	9	1%	90%	$287,222
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	5	0.5%	100%	$383,000	View
Trailblazer Mortgage L.L.C.	Conventional, FHA, VA	4	0.4%	100%	$430,000
Lakeview Loan Servicing, LLC	Conventional, FHA	4	0.4%	38.1%	$205,000
Acrisure Mortgage, LLC	Conventional, Jumbo	4	0.4%	100%	$490,000
Alkan Mortgage Corporation	Conventional	2	0.2%	66.7%	$700,000
New Day Financial, LLC.	VA	2	0.2%	60%	$465,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$405,000
Community First Credit Union of FLorida A+5.0 ★Texas Ratio: 3.41%	Conventional	1	0.1%	100%	$25,000	View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	106 +5 HELOCs	11.5%	89.9%	$382,075
Rocket Mortgage	Conventional, FHA, VA, Jumbo	74	8%	82.8%	$300,810
DHI Mortgage Company, LTD.	Conventional, FHA, VA	72	7.8%	86.7%	$344,722
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	29 +3 HELOCs	3.1%	100%	$371,551
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, HELOC	26 +1 HELOCs	2.8%	93.5%	$340,769	View
Pennymac Loan Services LLC	Conventional, FHA, VA	18	2%	81.8%	$322,777
Guild Mortgage Company	Conventional, FHA, Jumbo	18	2%	85.7%	$353,333
Affordable Mortgage Advisors	Conventional, FHA, VA	15	1.6%	94.1%	$321,000
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	15	1.6%	93.8%	$421,000
loanDepot.com LLC	Conventional, FHA, HELOC	14 +3 HELOCs	1.5%	100%	$142,857
Nationstar Mortgage	Conventional, FHA	14	1.5%	93.3%	$202,142
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	11 +6 HELOCs	1.2%	73.3%	$325,909
Mortgage Research Center	Conventional, VA, Jumbo	11	1.2%	78.6%	$339,545
The Loan Store, Inc	Conventional, FHA, HELOC	10 +5 HELOCs	1.1%	83.3%	$436,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	8	0.9%	100%	$321,250
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional	7	0.8%	70%	$279,285	View
Spring Eq, LLC	Conventional, Jumbo, HELOC	6 +4 HELOCs	0.7%	38.9%	$228,333
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	6 +3 HELOCs	0.7%	85.7%	$330,000
Amerisave Mortgage Company	Conventional, VA	6	0.7%	26.1%	$240,000
Fairway Independent Mort Corp	Conventional	6	0.7%	85.7%	$278,333
21St Mortgage	Conventional	6	0.7%	42.9%	$113,333
American Neighborhood Mortgage Acceptance Company	Conventional, VA	6	0.7%	100%	$283,333
Kind Lending, LLC	Conventional, VA	5	0.5%	55.6%	$339,000
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional	5	0.5%	100%	$405,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	5	0.5%	100%	$311,000	View
New American Funding, LLC.	Conventional, FHA, HELOC	4 +1 HELOCs	0.4%	66.7%	$367,500
Everett Financial, Inc.	Conventional, FHA	4	0.4%	100%	$362,500
Movement Mortgage, LLC	Conventional	4	0.4%	100%	$315,000
Deephaven Mortgage LLC	Conventional	4	0.4%	80%	$437,500
Discover Bank	Conventional	4	0.4%	50%	$100,000
Capital Partners Mortgage Services, LLC	Conventional, FHA	4	0.4%	80%	$335,000
Union Home Mortgage Corp.	Conventional, FHA	4	0.4%	100%	$325,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.4%	57.1%	$335,000	View
Nextmortgage, LLC	Conventional, FHA, HELOC	3 +1 HELOCs	0.3%	100%	$295,000
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$475,000
Guaranteed Rate Affinity, LLC	Conventional, FHA	3	0.3%	100%	$488,333
American Financial Resources LLC	Conventional, VA	3	0.3%	75%	$318,333
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, VA, Jumbo	3	0.3%	75%	$578,333	View
American Financial Network, Inc.	Conventional, FHA, VA	3	0.3%	100%	$561,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, VA	3	0.3%	100%	$541,666	View
Waterstone Mortgage Corporation	Conventional, FHA, Jumbo	3	0.3%	100%	$588,333
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.3%	100%	$381,666	View
Paramount Residential Mortgage	Conventional, FHA	3	0.3%	100%	$345,000
Plaza Home Mortgage, Inc	Conventional, FHA	3	0.3%	60%	$398,333
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$445,000	View
Primelending	Conventional	2	0.2%	100%	$420,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	2	0.2%	100%	$735,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional	2	0.2%	100%	$220,000	View
AdvantageFirst Lending Inc	Conventional, FHA	2	0.2%	100%	$345,000
HomeXpress Mortgage Corp.	Conventional	2	0.2%	66.7%	$435,000
Total Mortgage Services, LLC	Conventional, FHA	2	0.2%	100%	$330,000
Planet Home Lending, LLC	VA	2	0.2%	66.7%	$410,000
Loanpeople, LLC	Conventional, VA	2	0.2%	100%	$460,000
Zillow Home Loans, LLC	Conventional	2	0.2%	100%	$250,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, VA	2	0.2%	80%	$135,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, VA	2	0.2%	100%	$530,000	View
Cadence Bank	Conventional	1	0.1%	100%	$245,000
Arc Home LLC	Conventional	1	0.1%	100%	$595,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$245,000
Alerus Financial NA A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$205,000	View
Hartford Funding, Ltd.	Conventional	1	0.1%	100%	$515,000
First Community Mortgage, Inc.	Conventional	1	0.1%	100%	$555,000
RMC Home Mortgage, LLC	Conventional	1	0.1%	100%	$555,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$405,000
Gvc Mortgage, Inc.	Conventional	1	0.1%	100%	$575,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.1%	100%	$135,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	FHA	1	0.1%	100%	$405,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$355,000
Resicentral LLC	Conventional	1	0.1%	100%	$685,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$155,000
Emporium Tpo LLC	Conventional	1	0.1%	100%	$625,000
Fidelity Direct Mortgage, LLC	Conventional	1	0.1%	100%	$385,000
M Squared Financial LLC	Conventional	1	0.1%	100%	$335,000
Valley West Corporation	Conventional	1	0.1%	100%	$175,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$265,000	View
Mortgage 1 Incorporated	Conventional	1	0.1%	100%	$185,000
PFN Lending Group, Inc.	FHA	1	0.1%	100%	$295,000
Mortgage Assurance Inc	Conventional	1	0.1%	100%	$315,000
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$425,000
Direct Mortgage Corp	Conventional	1	0.1%	100%	$255,000
Republic State Mortgage Company	Conventional	1	0.1%	100%	$555,000
Das Acquisition Company, LLC	Conventional	1	0.1%	100%	$305,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0.1%	100%	$85,000	View
Flexpoint, Inc.	Conventional	1	0.1%	100%	$305,000
ClearPath Lending	VA	1	0.1%	100%	$415,000
Bay Equity LLC	Conventional	1	0.1%	50%	$315,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$495,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$275,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$305,000
Evergreen Moneysource Mortgage Company	Conventional	1	0.1%	100%	$275,000
Atlantic Bay Mortgage Group	Conventional	1	0.1%	100%	$145,000
Belem Servicing, LLC dba Patriot Home Mortgage	Conventional	1	0.1%	100%	$215,000
Embrace Home Loans, Inc.	Conventional	1	0.1%	100%	$565,000
Genesee Regional Bank A+5.0 ★Texas Ratio: 3.91%	Conventional	1	0.1%	100%	$345,000	View
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$665,000	View
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	66.7%	$385,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$455,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$285,000
Northbrook Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.98%	Conventional	1	0.1%	100%	$415,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	FHA	1	0.1%	100%	$345,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, Jumbo	1	0.1%	100%	$815,000	View
Three Rivers Federal Crediit U	Conventional	1	0.1%	100%	$265,000
Union Savings Bank	Conventional	1	0.1%	100%	$565,000
Great Plains National Bank	Conventional	1	0.1%	100%	$295,000
Saygo Home Loans, LLC	Conventional	1	0.1%	50%	$255,000
Stockton Mortgage Corporation	Conventional	1	0.1%	100%	$605,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$75,000
Empower Federal Credit Union A-4.9 ★Texas Ratio: 16.71%	Conventional	1	0.1%	100%	$75,000	View
DFCU Financial	Conventional	1	0.1%	100%	$595,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	50%	$305,000	View
First Community Bank	Conventional, Jumbo	1	0.1%	100%	$2,305,000
Member Advantage Mortgage	Conventional	1	0.1%	100%	$265,000
Firstbank A5.0 ★Texas Ratio: 7.51%	Conventional	1	0.1%	100%	$125,000	View
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$275,000
Summit Funding.Inc	VA	1	0.1%	100%	$475,000
Prosperity Home Mortgage, LLC	Conventional	1	0.1%	100%	$285,000
Mutual of Omaha Mortgage	FHA	1	0.1%	100%	$225,000
First Financial Bank A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$295,000	View
Middletown Valley Bank A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$395,000	View
Summit Mortgage Corporation	Conventional	1	0.1%	100%	$345,000
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	1	0.1%	100%	$325,000
Cfbank NA ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$715,000	View
New Peoples Bank, Inc A+5.0 ★Texas Ratio: 3.62%	Conventional	1	0.1%	100%	$295,000	View
Keesler Federal Credit Union	FHA	1	0.1%	100%	$275,000
First Bank and Trust Company	Conventional, Jumbo	1	0.1%	100%	$2,025,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$685,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	100%	$155,000	View
Nexera Holding LLC	Conventional	1	0.1%	100%	$105,000
Reliance First Capital, LLC	FHA	1	0.1%	100%	$205,000
Texana Bank	VA	1	0.1%	100%	$185,000
Goprime Mortgage, Inc.	Conventional	1	0.1%	100%	$205,000
Ark-La-Tex Financial Services LLC	VA	1	0.1%	100%	$195,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$155,000
Luxury Mortgage Corp.	Conventional	1	0.1%	100%	$425,000
Ohnward Bank and Trust	Conventional	1	0.1%	100%	$805,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$365,000
Cake Mortgage Corp.	Conventional	1	0.1%	100%	$785,000
Village Capital & Investment	VA	1	0.1%	100%	$625,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$285,000
Figure Lending LLC	HELOC	0 +12 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +8 HELOCs	0%	0%
Coastal Community Bank	HELOC	0 +6 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +3 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	0%
Wings Financial Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Corning Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Bank Ozk	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	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.

New Smyrna 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 New Smyrna Beach, Florida

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

Types of Mortgage Lenders in New Smyrna Beach, FL

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

Mortgage companies and brokers 114 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 66 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 23 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 42 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 38 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 25 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 New Smyrna Beach, FL

Independent mortgage companies closed 74 percent of home loans in New Smyrna Beach, Florida in 2025, banks 17.6 percent and credit unions 8.5 percent. Triad Financial Services, Inc. was the largest mortgage company, Regions Bank the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, Space Coast Credit Union led with 28 loans.

74%

Mortgage companies

17.6%

Banks

8.5%

Credit unions

13%

FHA loans

11%

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 New Smyrna Beach, FL

Who is the largest mortgage lender in New Smyrna Beach, FL?

By home loans closed in 2025, Regions Bank was the largest mortgage lender in New Smyrna Beach, Florida with 18 loans, about 2 percent of the market. The largest lender headquartered in Florida was Space Coast Credit Union with 28 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in New Smyrna Beach, FL have the highest approval rates?

Among lenders with meaningful volume in New Smyrna Beach, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 89.9 percent, against a 81.7 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 New Smyrna Beach, FL mortgage lenders offer FHA, VA and USDA loans?

42 lenders closed FHA loans in New Smyrna Beach, Florida in 2025, led by DHI Mortgage Company, LTD. with 29. 38 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 New Smyrna Beach, FL lender list?

Yes. 66 banks and 23 credit unions closed home loans in New Smyrna Beach, Florida in 2025, alongside 114 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 New Smyrna Beach, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in New Smyrna 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 New Smyrna 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 New Smyrna 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.