Mortgage Lenders and Brokers in North Merritt Island, 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
North Merritt Island, Florida mortgage lenders include Space Coast Credit UnionSpace Coast Credit Union20437 State Road 7, Boca Raton, FL 33498A+5.0 ★Texas Ratio: 5.37%, Launch Credit UnionLaunch Credit Union14640 Hanger Rd, Cape Canaveral, FL 32920A5.0 ★Texas Ratio: 7.61%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Triad Financial Services, Inc.Triad Financial Services, Inc.1209 Kingsway Rd, Brandon, FL 33510A+5.0 ★Texas Ratio: 5.93%, TD BankTD Bank514 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.71%, First Horizon BankFirst Horizon Bank520 W Highway 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.76%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, and Central BankCentral Bank2300 N Ponce De Leon Blvd, Saint Augustine, FL 32084A+5.0 ★Texas Ratio: 3.12%. 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 North Merritt Island, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in North Merritt Island 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 North Merritt Island, Florida
Market share is the lender's share of all home loans closed in North Merritt Island, 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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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 15 +23 HELOCs |
6.3% | 88.2% | $296,333 | View |
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14640 Hanger Rd, Cape Canaveral, FL 32920 A5.0 ★Texas Ratio: 7.61% |
Conventional | 8 | 3.4% | 72.7% | $116,250 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA | 3 | 1.3% | 100% | $441,666 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +3 HELOCs |
0.8% | 66.7% | $195,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.8% | 100% | $405,000 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 2 | 0.8% | 58.3% | $60,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +4 HELOCs |
0.4% | 100% | $105,000 | View |
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★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76% |
VA | 1 | 0.4% | 100% | $615,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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2300 N Ponce De Leon Blvd, Saint Augustine, FL 32084 A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.4% | 100% | $715,000 | View |
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10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76% |
Conventional | 1 | 0.4% | 100% | $425,000 | View |
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★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18% |
Conventional | 1 | 0.4% | 100% | $745,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.4% | 100% | $735,000 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +8 HELOCs |
0% | 0% | View | |
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660 West Ave, Cocoa, FL 32927 4971 A+5.0 ★Texas Ratio: 1.43% |
HELOC | 0 +5 HELOCs |
0% | 50% | 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 +3 HELOCs |
0% | n/a | View | |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
K. Hovnanian American Mortgage
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Conventional, FHA, VA | 15 | 6.3% | 100% | $487,666 | |
DYBN Financial Corporation dba Morgan Financial
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Conventional, VA | 8 | 3.4% | 100% | $488,750 | |
The Mortgage Firm
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Conventional, FHA, VA | 8 | 3.4% | 100% | $488,750 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 4 | 1.7% | 77.8% | $427,500 | |
Freedom Mortgage Corporation
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Conventional, VA | 4 | 1.7% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.8% | 100% | $450,000 | View |
PHH Mortgage Corporation
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VA | 2 | 0.8% | 100% | $590,000 | |
Mortgage Lenders Investment Tr
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FHA | 2 | 0.8% | 100% | $385,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $505,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 3.41% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
RMC Home Mortgage, LLC
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Conventional, VA | 26 | 11% | 96.3% | $513,076 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 21 +1 HELOCs |
8.9% | 91.3% | $524,047 | |
Rocket Mortgage
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Conventional, FHA, VA | 16 | 6.8% | 68% | $373,750 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 12 +2 HELOCs |
5.1% | 100% | $480,833 | |
Pennymac Loan Services LLC
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Conventional | 8 | 3.4% | 88.9% | $323,750 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 7 +4 HELOCs |
3% | 87.5% | $375,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, VA | 6 | 2.5% | 100% | $460,000 | View |
Mortgage Research Center
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VA, Jumbo | 6 | 2.5% | 66.7% | $648,333 | |
Embrace Home Loans, Inc.
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Conventional, VA | 4 | 1.7% | 66.7% | $435,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 1.3% | 100% | $781,666 | View |
21St Mortgage
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Conventional | 3 | 1.3% | 100% | $55,000 | |
Spring Eq, LLC
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Conventional | 3 | 1.3% | 37.5% | $158,333 | |
Direct Mortgage Loans, LLC
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Conventional, VA | 2 | 0.8% | 100% | $290,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.8% | 100% | $390,000 | |
New American Funding, LLC.
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Conventional | 2 | 0.8% | 66.7% | $455,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
VA, HELOC | 1 +2 HELOCs |
0.4% | 100% | $475,000 | View |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.4% | 100% | $295,000 | |
American Financial Resources LLC
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FHA | 1 | 0.4% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $605,000 | |
MortgageOne, Inc
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Conventional | 1 | 0.4% | 100% | $365,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.4% | 100% | $525,000 | |
Allied Mortgage Group, Inc
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FHA | 1 | 0.4% | 100% | $305,000 | |
loanDepot.com LLC
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VA | 1 | 0.4% | 25% | $475,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $465,000 | |
Dart Bank
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FHA | 1 | 0.4% | 100% | $195,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 33.3% | $65,000 | |
AAFMAA Mortgage Services LLC
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VA | 1 | 0.4% | 100% | $565,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $525,000 | |
Nfm, Inc
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Conventional | 1 | 0.4% | 100% | $355,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 50% | $695,000 | View |
T2 Financial LLC
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FHA | 1 | 0.4% | 100% | $195,000 | |
Harborone Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Nationstar Mortgage
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FHA | 1 | 0.4% | 100% | $255,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.4% | 100% | $405,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $155,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.4% | 100% | $465,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $535,000 | View |
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A+5.0 ★Texas Ratio: 0.00% |
VA | 1 | 0.4% | 100% | $545,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
Loan Simple, Inc.
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FHA | 1 | 0.4% | 100% | $435,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.4% | 100% | $405,000 | |
Village Capital & Investment
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VA, Jumbo | 1 | 0.4% | 100% | $855,000 | |
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 50% | ||
Figure Lending LLC
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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 | ||
Trustone Financial Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Justice Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a |
North Merritt Island 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 North Merritt Island, Florida
Looking for mortgage lenders near me or mortgage brokers near me in North Merritt Island? The list below shows the banks, credit unions and mortgage brokers that closed home loans in North Merritt Island in 2025, with lenders based there listed first.
Types of Mortgage Lenders in North Merritt Island, FL
Use these to narrow the list above. Each category shows how many North Merritt Island, FL lenders fit and what that kind of lender is usually best for.
Who Lends in North Merritt Island, FL
Independent mortgage companies closed 78.5 percent of home loans in North Merritt Island, Florida in 2025, banks 7.6 percent and credit unions 13.9 percent. Triad Financial Services, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, Space Coast Credit Union led with 15 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 North Merritt Island, FL
By home loans closed in 2025, Space Coast Credit Union was the largest mortgage lender in North Merritt Island, Florida with 15 loans, about 6.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in North Merritt Island, Florida in 2025, led by Mortgage Lenders Investment Tr with 2. 26 lenders closed VA loans, led by RMC Home Mortgage, LLC. 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. 18 banks and 11 credit unions closed home loans in North Merritt Island, Florida in 2025, alongside 51 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 North Merritt Island, 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 North Merritt Island, 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 North Merritt Island. 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.
