Mortgage Lenders and Brokers in Ocean City, 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
Ocean City, Florida mortgage lenders include Eglin Federal Credit UnionEglin Federal Credit Union1127 Industrial Dr, Crestview, FL 32539 8950A+5.0 ★Texas Ratio: 0.79%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Servisfirst BankServisfirst Bank316 Racetrack Rd Ne, Fort Walton Beach, FL 32547A5.0 ★Texas Ratio: 8.75%, Renasant BankRenasant Bank16404 Nw 17th Drive, Alachua, FL 32615A+5.0 ★Texas Ratio: 4.72%, Tyndall Federal Credit UnionTyndall Federal Credit Union1601 Ohio Ave, Lynn Haven, FL 32444 3746A+5.0 ★Texas Ratio: 0.96%, Hancock Whitney BankHancock Whitney Bank5817 Manatee Ave W, Bradenton, FL 34209A+5.0 ★Texas Ratio: 3.41%, Citizens Bank, NACitizens Bank, NA2222 Ponce De Leon Blvd, Coral Gables, FL 33134A+5.0 ★Texas Ratio: 5.44%, Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%, Mortgage One of the South, IncMortgage One of the South, IncFort Walton Beach, FL, and Freedom Mortgage CorporationFreedom Mortgage CorporationBoca Raton, FL. 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 Ocean City, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ocean City 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 Ocean City, Florida
Market share is the lender's share of all home loans closed in Ocean City, 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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1127 Industrial Dr, Crestview, FL 32539 8950 A+5.0 ★Texas Ratio: 0.79% |
Conventional | 6 | 6.2% | 85.7% | $106,666 | |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +1 HELOCs |
1% | 50% | $505,000 | View |
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316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
Conventional | 1 | 1% | 100% | $145,000 | View |
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16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 1% | 100% | $325,000 | View |
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1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 1 | 1% | 100% | $75,000 | View |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
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 | |
Mortgage One of the South, Inc
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Conventional | 2 | 2.1% | 100% | $285,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1% | 100% | $445,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 1% | 20% | $295,000 | |
The Mortgage Firm
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Conventional | 1 | 1% | 50% | $165,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 15.6% | 80% | $349,000 | |
Rocket Mortgage
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Conventional, FHA | 8 | 8.3% | 100% | $182,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 7 | 7.3% | 100% | $416,428 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 6 | 6.2% | 100% | $278,333 | |
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A+5.0 ★Texas Ratio: 2.02% |
FHA, VA, USDA | 4 | 4.2% | 100% | $295,000 | View |
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A+5.0 ★Texas Ratio: 3.82% |
FHA, VA | 4 | 4.2% | 100% | $380,000 | View |
Mortgage Solutions of Colorado
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Conventional, FHA | 4 | 4.2% | 100% | $297,500 | |
Pennymac Loan Services LLC
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FHA, VA | 3 | 3.1% | 75% | $305,000 | |
Waterstone Mortgage Corporation
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Conventional, VA | 3 | 3.1% | 100% | $208,333 | |
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A5.0 ★Texas Ratio: 6.45% |
Conventional, VA | 2 | 2.1% | 100% | $225,000 | View |
Guild Mortgage Company
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Conventional, VA | 2 | 2.1% | 100% | $275,000 | |
Mortgage Research Center
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Conventional, VA | 2 | 2.1% | 66.7% | $340,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 1% | 100% | $185,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1% | 100% | $275,000 | |
Everett Financial, Inc.
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VA | 1 | 1% | 100% | $345,000 | |
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A5.0 ★Texas Ratio: 8.10% |
VA | 1 | 1% | 50% | $365,000 | View |
Nbkc Bank
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VA | 1 | 1% | 100% | $385,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 1% | 100% | $115,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1% | 33.3% | $95,000 | |
Princeton Mortgage Corporation
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Conventional | 1 | 1% | 100% | $805,000 | |
Assurance Financial Group, L.L.C.
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VA | 1 | 1% | 100% | $475,000 | |
Das Acquisition Company, LLC
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FHA | 1 | 1% | 100% | $215,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 1% | 100% | $275,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 1% | 100% | $315,000 | |
Planet Home Lending, LLC
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VA | 1 | 1% | 100% | $405,000 | |
Provident Funding Associates
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Conventional | 1 | 1% | 100% | $395,000 | |
Nationstar Mortgage
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VA | 1 | 1% | 100% | $245,000 | |
Towne Mortgage Company
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Conventional | 1 | 1% | 100% | $245,000 | |
Pentagon Federal Credit Union
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VA | 1 | 1% | 100% | $325,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 1% | 100% | $165,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 1% | 100% | $335,000 | |
Spring Eq, LLC
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Conventional | 1 | 1% | 33.3% | $45,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 1% | 100% | $175,000 | |
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
All In Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Synovus Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Ocean City 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 Ocean City, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Ocean City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ocean City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ocean City, FL
Use these to narrow the list above. Each category shows how many Ocean City, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Ocean City, FL
Independent mortgage companies closed 76 percent of home loans in Ocean City, Florida in 2025, banks 15.6 percent and credit unions 8.3 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, Eglin Federal Credit Union led with 6 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 Ocean City, FL
By home loans closed in 2025, Eglin Federal Credit Union was the largest mortgage lender in Ocean City, Florida with 6 loans, about 6.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Ocean City, Florida in 2025, led by United Wholesale Mortgage with 4. 19 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. 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. 12 banks and 5 credit unions closed home loans in Ocean City, Florida in 2025, alongside 34 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 Ocean City, 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 Ocean City, 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 Ocean City. 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.
