Mortgage Lenders and Brokers in Niceville, 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
Niceville, Florida mortgage lenders include Regions BankRegions Bank1200 John Sims Pkwy E, Niceville, FL 32578A+5.0 ★Texas Ratio: 4.37%, Trustmark BankTrustmark Bank799 John Sims Pkwy E, Niceville, FL 32578A+5.0 ★Texas Ratio: 2.40%, Pnb Community BankPnb Community Bank1020 John Sims Pkwy E, Niceville, FL 32578A+5.0 ★Texas Ratio: 0.34%, Centennial BankCentennial Bank22 Avenue E, Apalachicola, FL 32320A+5.0 ★Texas Ratio: 3.14%, Renasant BankRenasant Bank100 Armstrong Ave, Niceville, FL 32578A+5.0 ★Texas Ratio: 4.72%, PNC Bank N.A.PNC Bank N.A.1130 John Sims Pkwy E, Niceville, FL 32578A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA4500 E Highway 20, Niceville, FL 32578A+5.0 ★Texas Ratio: 4.14%, Hancock Whitney BankHancock Whitney Bank1003 A John Simms Parkway, Niceville, FL 32578A+5.0 ★Texas Ratio: 3.41%, Pinnacle BankPinnacle Bank1001 John Sims Pkwy E, Niceville, FL 32578A+5.0 ★Texas Ratio: 3.04%, and Eglin Federal Credit UnionEglin Federal Credit Union4558 E Highway 20, Niceville, FL 32578 9755A+5.0 ★Texas Ratio: 0.79%. 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 Niceville, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Niceville 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 Niceville, Florida
Market share is the lender's share of all home loans closed in Niceville, 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 Niceville 1200 John Sims Pkwy E, Niceville, FL 32578 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, Jumbo, HELOC | 8 +8 HELOCs |
1.3% | 64.3% | $401,250 | View |
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1 office in Niceville 799 John Sims Pkwy E, Niceville, FL 32578 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, Jumbo, HELOC | 7 +2 HELOCs |
1.1% | 100% | $507,857 | View |
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1020 John Sims Pkwy E, Niceville, FL 32578 A+5.0 ★Texas Ratio: 0.34% |
Conventional, Jumbo | 4 | 0.6% | 100% | $397,500 | View |
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1 office in Niceville 22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14% |
Conventional, VA | 4 | 0.6% | 100% | $412,500 | View |
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1 office in Niceville 100 Armstrong Ave, Niceville, FL 32578 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, Jumbo, HELOC | 3 +1 HELOCs |
0.5% | 100% | $825,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Niceville 1130 John Sims Pkwy E, Niceville, FL 32578 A+5.0 ★Texas Ratio: 4.24% |
Conventional, VA, HELOC | 2 +4 HELOCs |
0.3% | 66.7% | $305,000 | View |
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1 office in Niceville 4500 E Highway 20, Niceville, FL 32578 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
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★ 4 stars, 3 reviews 1 office in Niceville 1003 A John Simms Parkway, Niceville, FL 32578 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2 offices in Niceville 1001 John Sims Pkwy E, Niceville, FL 32578 A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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4558 E Highway 20, Niceville, FL 32578 9755 A+5.0 ★Texas Ratio: 0.79% |
Conventional | 23 | 3.7% | 95.8% | $164,130 | |
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4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80% |
Conventional, VA, Jumbo | 7 | 1.1% | 87.5% | $536,428 | View |
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345 E James Lee Blvd, Crestview, FL 32539 A+5.0 ★Texas Ratio: 3.09% |
Conventional, VA, HELOC | 5 +4 HELOCs |
0.8% | 100% | $285,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, Jumbo | 5 | 0.8% | 100% | $591,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.5% | 75% | $645,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, Jumbo | 3 | 0.5% | 100% | $725,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 3 | 0.5% | 75% | $398,333 | View |
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850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
VA | 2 | 0.3% | 100% | $525,000 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
VA, Jumbo | 2 | 0.3% | 100% | $685,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $555,000 | View |
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★ 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 |
0.2% | 100% | $505,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 50% | $445,000 | View |
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151 East County Highway 30a, Santa Rosa Beach, FL 32459 A+5.0 ★Texas Ratio: 0.58% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,005,000 | View |
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2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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101 South Florida Avenue, Lakeland, FL 33801 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.2% | 100% | $425,000 | View |
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1912 S Highway 77, Lynn Haven, FL 32444 A+5.0 ★Texas Ratio: 1.07% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
VA, Jumbo | 1 | 0.2% | 100% | $915,000 | View |
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11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96% |
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 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 12 | 1.9% | 100% | $432,500 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 3 | 0.5% | 57.1% | $465,000 | |
Builders Choice Mortgage LLC
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VA | 3 | 0.5% | 100% | $518,333 | |
Acrisure Mortgage, LLC
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VA | 2 | 0.3% | 100% | $675,000 | |
New Day Financial, LLC.
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VA | 2 | 0.3% | 40% | $245,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 57 | 9.1% | 100% | $499,736 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 54 | 8.7% | 91.5% | $346,111 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo, HELOC | 45 +6 HELOCs |
7.2% | 100% | $496,111 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 30 | 4.8% | 100% | $455,666 | |
Mortgage Research Center
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VA, Jumbo | 27 | 4.3% | 65.9% | $510,555 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 22 +10 HELOCs |
3.5% | 74.2% | $346,363 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA, VA, Jumbo | 22 | 3.5% | 100% | $517,727 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA | 22 | 3.5% | 100% | $568,181 | View |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA, VA | 18 | 2.9% | 100% | $384,444 | View |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 14 | 2.2% | 82.4% | $477,857 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 13 | 2.1% | 100% | $443,461 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, VA | 10 | 1.6% | 100% | $415,000 | View |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA, Jumbo | 10 | 1.6% | 83.3% | $502,000 | View |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 10 | 1.6% | 78.6% | $340,000 | View |
Primelending
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Conventional, VA | 9 | 1.4% | 81.8% | $429,444 | |
Waterstone Mortgage Corporation
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Conventional, VA | 9 | 1.4% | 81.8% | $436,111 | |
Nationstar Mortgage
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Conventional, FHA, VA | 9 | 1.4% | 90% | $252,777 | |
Paramount Residential Mortgage
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Conventional, VA | 8 | 1.3% | 100% | $545,000 | |
loanDepot.com LLC
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Conventional, VA | 6 | 1% | 66.7% | $228,333 | |
New American Funding, LLC.
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Conventional, VA, HELOC | 5 +3 HELOCs |
0.8% | 100% | $453,000 | |
Pentagon Federal Credit Union
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Conventional, FHA, VA, HELOC | 5 +2 HELOCs |
0.8% | 71.4% | $385,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA, VA, Jumbo | 5 | 0.8% | 100% | $541,000 | |
Kind Lending, LLC
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Conventional, FHA, VA | 5 | 0.8% | 71.4% | $383,000 | |
Princeton Mortgage Corporation
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Conventional, FHA, VA | 5 | 0.8% | 100% | $409,000 | |
Canopy Mortgage, LLC
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Conventional, VA, Jumbo | 4 | 0.6% | 100% | $580,000 | |
Nbkc Bank
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VA, Jumbo | 4 | 0.6% | 100% | $682,500 | |
Nfm, Inc
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Conventional, VA | 4 | 0.6% | 100% | $375,000 | |
Synovus Bank
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Conventional, Jumbo, HELOC | 3 +8 HELOCs |
0.5% | 100% | $551,666 | |
Guaranteed Rate, Inc.
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Conventional, VA, Jumbo, HELOC | 3 +2 HELOCs |
0.5% | 100% | $635,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 3 | 0.5% | 100% | $438,333 | |
City 1st Mortgage Services, LC
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Conventional, VA, Jumbo | 3 | 0.5% | 100% | $648,333 | |
Towne Mortgage Company
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FHA, VA, Jumbo | 3 | 0.5% | 100% | $625,000 | |
Zillow Home Loans, LLC
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VA | 3 | 0.5% | 100% | $465,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional, FHA | 3 | 0.5% | 100% | $335,000 | View |
Fairway Independent Mort Corp
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FHA, VA | 3 | 0.5% | 100% | $505,000 | |
Ark-La-Tex Financial Services LLC
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VA | 3 | 0.5% | 100% | $528,333 | |
HomeBridge Financial Services, Inc
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VA, HELOC | 2 +2 HELOCs |
0.3% | 100% | $385,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.3% | 66.7% | $60,000 | |
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A5.0 ★Texas Ratio: 6.45% |
Conventional | 2 | 0.3% | 100% | $555,000 | View |
Cadence Bank
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,310,000 | |
Equity Prime Mortgage LLC
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VA | 2 | 0.3% | 100% | $660,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 2 | 0.3% | 100% | $530,000 | View |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.3% | 100% | $445,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, VA, Jumbo | 2 | 0.3% | 100% | $915,000 | |
All In Credit Union
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Conventional, HELOC | 1 +3 HELOCs |
0.2% | 33.3% | $165,000 | |
Everett Financial, Inc.
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $295,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $335,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.2% | 100% | $295,000 | |
Residential Wholesale Mortgage
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FHA | 1 | 0.2% | 100% | $245,000 | |
Msa Mortgage, LLC
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VA | 1 | 0.2% | 100% | $705,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
VA | 1 | 0.2% | 100% | $785,000 | View |
Filo Mortgage, LLC
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VA | 1 | 0.2% | 100% | $525,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.2% | 100% | $135,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.2% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
VA | 1 | 0.2% | 100% | $585,000 | View |
First State Bank of St Charles
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Conventional | 1 | 0.2% | 100% | $465,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 25% | $135,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
VA | 1 | 0.2% | 100% | $725,000 | View |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $405,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.2% | 100% | $525,000 | |
First Heritage Mortgage, LLC
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VA | 1 | 0.2% | 100% | $595,000 | |
Ameritrust Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
Cardinal Financial Company, Li
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VA, Jumbo | 1 | 0.2% | 100% | $985,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
Beeline Loans, Inc.
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.2% | 100% | $715,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
VA | 1 | 0.2% | 100% | $355,000 | View |
A+ Mortgage Services, Inc.
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VA, Jumbo | 1 | 0.2% | 100% | $845,000 | |
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A5.0 ★Texas Ratio: 7.51% |
VA, Jumbo | 1 | 0.2% | 100% | $895,000 | View |
TowneBank
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VA | 1 | 0.2% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
VA | 1 | 0.2% | 100% | $445,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.2% | 100% | $595,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
Nexera Holding LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,205,000 | |
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A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 0.2% | 100% | $645,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 75% | $675,000 | |
Coastal Community Bank
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Chartway FCU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Mission Loans, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Niceville 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 Niceville, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Niceville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Niceville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Niceville, FL
Use these to narrow the list above. Each category shows how many Niceville, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Niceville, FL
Independent mortgage companies closed 69.6 percent of home loans in Niceville, Florida in 2025, banks 21.3 percent and credit unions 9.1 percent. Freedom Mortgage Corporation was the largest mortgage company, Regions Bank the largest bank and Eglin Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Pnb Community Bank led with 4 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 Niceville, FL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Niceville, Florida with 8 loans, about 1.3 percent of the market. The largest lender headquartered in Florida was Pnb Community Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Niceville, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 100 percent, against a 89.9 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.
26 lenders closed FHA loans in Niceville, Florida in 2025, led by Rocket Mortgage with 7. 70 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.
Yes. 47 banks and 11 credit unions closed home loans in Niceville, 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.
Lenders are ranked only by the number of home loans they closed in Niceville, 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 Niceville, 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 Niceville. 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.
