Mortgage Lenders and Brokers in Oldsmar, Florida
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Oldsmar, Florida mortgage lenders include Regions BankRegions Bank3132 Tampa Rd, Oldsmar, FL 34677A+5.0 ★Texas Ratio: 4.37%, Flagship BankFlagship Bank4095 Tampa Rd, Oldsmar, FL 34677A+5.0 ★Texas Ratio: 0.10%, Suncoast Credit UnionSuncoast Credit Union1328 E Oak St, Arcadia, FL 34266A5.0 ★Texas Ratio: 6.26%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%, Gte Federal Credit UnionGte Federal Credit Union7375 University Pkwy, Bradenton, FL 34202 2300A5.0 ★Texas Ratio: 7.65%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, Midflorida Credit UnionMidflorida Credit Union1199 Spring Centre South Blvd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.18%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, and Grow Financial Federal Credit UnionGrow Financial Federal Credit Union11008 Arcade Pl, Bradenton, FL 34211A+5.0 ★Texas Ratio: 3.70%. 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 Oldsmar, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oldsmar 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 Oldsmar, Florida
Market share is the lender's share of all home loans closed in Oldsmar, 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 |
|---|---|---|---|---|---|---|
|
1 office in Oldsmar 3132 Tampa Rd, Oldsmar, FL 34677 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 4 +4 HELOCs |
1.6% | 80% | $220,000 | View |
|
1 office in Oldsmar 4095 Tampa Rd, Oldsmar, FL 34677 A+5.0 ★Texas Ratio: 0.10% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
|
1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 4 +6 HELOCs |
1.6% | 66.7% | $340,000 | View |
|
★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 3 +6 HELOCs |
1.2% | 100% | $708,333 | View |
|
70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 3 +5 HELOCs |
1.2% | 80% | $398,333 | View |
|
7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
Conventional, HELOC | 3 +1 HELOCs |
1.2% | 100% | $265,000 | View |
|
1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1.2% | 75% | $265,000 | View |
|
★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18% |
Conventional, HELOC | 2 +2 HELOCs |
0.8% | 50% | $220,000 | View |
|
500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.8% | 66.7% | $225,000 | View |
|
11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 2 | 0.8% | 66.7% | $105,000 | View |
|
12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 2 | 0.8% | 100% | $150,000 | View |
|
460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +7 HELOCs |
0.4% | 100% | $145,000 | View |
|
2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $405,000 | View |
|
9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 50% | $215,000 | View |
|
20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.4% | 50% | $255,000 | View |
|
850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $385,000 | View |
|
701 9th St W, Bradenton, FL 34205 8656 A+5.0 ★Texas Ratio: 5.46% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
|
300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
VA, Jumbo | 1 | 0.4% | 100% | $865,000 | View |
|
101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.4% | 50% | $335,000 | View |
|
★ 5 stars, 1 review 3711 Tampa Rd, Oldsmar, FL 34677 A+5.0 ★Texas Ratio: 2.27% |
Conventional, Jumbo | 1 | 0.4% | 100% | $875,000 | View |
|
10650 Boardwalk Loop, Bradenton, FL 34202 A+5.0 ★Texas Ratio: 2.04% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
|
5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.4% | 100% | $645,000 | View |
|
6202 Commerce Palms Dr, Tampa, FL 33647 A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
|
4254 53rd Ave E, Bradenton, FL 34203 A+5.0 ★Texas Ratio: 2.57% |
HELOC | 0 +10 HELOCs |
0% | 0% | View | |
|
254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
|
★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
★ 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 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.8% | 100% | $570,000 | View |
Lakeview Loan Servicing, LLC
|
FHA | 1 | 0.4% | 50% | $205,000 | |
Freedom Mortgage Corporation
|
FHA | 1 | 0.4% | 50% | $295,000 | |
Acrisure Mortgage, LLC
|
Conventional | 1 | 0.4% | 100% | $275,000 | |
New Day Financial, LLC.
|
VA | 1 | 0.4% | 100% | $255,000 | |
Reliable Holdings Manager dba Lendz Financial
|
Conventional | 1 | 0.4% | 100% | $265,000 | |
The Mortgage Firm
|
Conventional | 1 | 0.4% | 100% | $165,000 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 36 +2 HELOCs |
14.8% | 87.8% | $357,777 | |
Rocket Mortgage
|
Conventional, FHA, VA | 20 | 8.2% | 74.1% | $299,500 | |
Movement Mortgage, LLC
|
Conventional, FHA, HELOC | 6 +1 HELOCs |
2.5% | 100% | $265,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA | 6 | 2.5% | 100% | $373,333 | |
Pennymac Loan Services LLC
|
Conventional, FHA | 5 | 2% | 83.3% | $201,000 | |
|
A5.0 ★Texas Ratio: 8.10% |
Conventional, VA | 4 | 1.6% | 57.1% | $210,000 | View |
Equity Prime Mortgage LLC
|
FHA, VA | 4 | 1.6% | 100% | $275,000 | |
Nationstar Mortgage
|
Conventional, FHA | 4 | 1.6% | 100% | $142,500 | |
Mortgage Research Center
|
Conventional, VA | 4 | 1.6% | 80% | $332,500 | |
Fairway Independent Mort Corp
|
Conventional, FHA | 4 | 1.6% | 100% | $295,000 | |
Paramount Residential Mortgage
|
FHA | 4 | 1.6% | 100% | $350,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +4 HELOCs |
1.2% | 75% | $425,000 | |
Everett Financial, Inc.
|
Conventional, HELOC | 3 +1 HELOCs |
1.2% | 100% | $281,666 | |
Guaranteed Rate, Inc.
|
Conventional, FHA | 3 | 1.2% | 100% | $425,000 | |
Primary Residential Mortgage, INC.
|
Conventional, FHA | 3 | 1.2% | 100% | $181,666 | |
Kind Lending, LLC
|
Conventional, FHA, VA | 3 | 1.2% | 50% | $261,666 | |
loanDepot.com LLC
|
Conventional | 3 | 1.2% | 100% | $228,333 | |
Guild Mortgage Company
|
Conventional, VA | 3 | 1.2% | 100% | $221,666 | |
American Financial Network, Inc.
|
Conventional, VA | 3 | 1.2% | 100% | $441,666 | |
Click n' Close, Inc.
|
Conventional, FHA | 3 | 1.2% | 100% | $108,333 | |
|
A-4.9 ★Texas Ratio: 16.71% |
Conventional, VA | 3 | 1.2% | 100% | $335,000 | View |
Spring Eq, LLC
|
Conventional, HELOC | 2 +1 HELOCs |
0.8% | 75% | $105,000 | |
EMM Loans LLC
|
Conventional, FHA | 2 | 0.8% | 100% | $130,000 | |
American Financial Resources LLC
|
FHA, VA | 2 | 0.8% | 100% | $335,000 | |
Norwich Commercial Group Inc
|
Conventional | 2 | 0.8% | 100% | $170,000 | |
Discover Bank
|
Conventional | 2 | 0.8% | 40% | $60,000 | |
VanDyk Mortgage Corporation
|
Conventional | 2 | 0.8% | 100% | $295,000 | |
Nfm, Inc
|
Conventional, FHA | 2 | 0.8% | 100% | $240,000 | |
Cardinal Financial Company, Li
|
Conventional | 2 | 0.8% | 66.7% | $145,000 | |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional | 2 | 0.8% | 100% | $380,000 | View |
New American Funding, LLC.
|
FHA | 2 | 0.8% | 66.7% | $390,000 | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.8% | 40% | $285,000 | View |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 0.8% | 100% | $275,000 | View |
JMAC Lending, Inc.
|
Conventional | 2 | 0.8% | 100% | $250,000 | |
AmWest Funding Corp
|
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $265,000 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $385,000 | View |
ML Mortgage Corp.
|
FHA | 1 | 0.4% | 100% | $445,000 | |
Cornerstone First Mortgage, LLC
|
Conventional | 1 | 0.4% | 100% | $215,000 | |
Guaranteed Rate Affinity, LLC
|
VA | 1 | 0.4% | 100% | $355,000 | |
Primelending
|
Conventional | 1 | 0.4% | 100% | $165,000 | |
Atlantic Coast Mortgage, LLC
|
Conventional | 1 | 0.4% | 100% | $315,000 | |
Goodleap, LLC
|
Conventional | 1 | 0.4% | 100% | $225,000 | |
Gold Star Mortgage Financial Group, Corporation
|
VA | 1 | 0.4% | 100% | $405,000 | |
Aspire Home Loans
|
Conventional | 1 | 0.4% | 100% | $135,000 | |
Go Mortgage, LLC
|
FHA | 1 | 0.4% | 100% | $195,000 | |
Sage Home Loans Corporation
|
Conventional | 1 | 0.4% | 100% | $495,000 | |
MortgageOne, Inc
|
FHA | 1 | 0.4% | 100% | $245,000 | |
Filo Mortgage, LLC
|
Conventional | 1 | 0.4% | 100% | $425,000 | |
|
A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 0.4% | 100% | $645,000 | View |
Amerisave Mortgage Company
|
Conventional | 1 | 0.4% | 50% | $145,000 | |
AdvantageFirst Lending Inc
|
VA | 1 | 0.4% | 100% | $285,000 | |
ResMac Inc
|
Conventional | 1 | 0.4% | 100% | $325,000 | |
|
A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.4% | 100% | $445,000 | View |
HomeXpress Mortgage Corp.
|
VA | 1 | 0.4% | 50% | $315,000 | |
First Alliance Home Mortgage, LLC
|
FHA | 1 | 0.4% | 100% | $345,000 | |
Sun West Mortgage Company, Inc
|
Conventional | 1 | 0.4% | 100% | $265,000 | |
Flexpoint, Inc.
|
Conventional | 1 | 0.4% | 50% | $565,000 | |
ClearPath Lending
|
VA | 1 | 0.4% | 100% | $585,000 | |
Securitynational Mortgage Company
|
Conventional | 1 | 0.4% | 100% | $255,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.4% | 100% | $145,000 | |
First Colony Mortgage Corporat
|
Conventional | 1 | 0.4% | 100% | $335,000 | |
Highlands Residential Mortgage, Ltd.
|
Conventional | 1 | 0.4% | 100% | $435,000 | |
First Heritage Mortgage, LLC
|
Conventional | 1 | 0.4% | 100% | $445,000 | |
Ameritrust Mortgage Corporation
|
FHA | 1 | 0.4% | 100% | $455,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 50% | $715,000 | View |
Hometown Equity Mortgage, LLC
|
Conventional | 1 | 0.4% | 100% | $375,000 | |
American Pacific Mortgage Corporation
|
Conventional | 1 | 0.4% | 100% | $255,000 | |
DFCU Financial
|
Conventional, Jumbo | 1 | 0.4% | 100% | $975,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
Zillow Home Loans, LLC
|
Conventional | 1 | 0.4% | 100% | $515,000 | |
Prosperity Home Mortgage, LLC
|
Conventional | 1 | 0.4% | 100% | $535,000 | |
Mutual of Omaha Mortgage
|
VA | 1 | 0.4% | 66.7% | $165,000 | |
The Loan Store, Inc
|
Conventional | 1 | 0.4% | 100% | $425,000 | |
Ussfcu
|
Conventional | 1 | 0.4% | 100% | $75,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
Gershman Investment Corp.
|
Conventional | 1 | 0.4% | 100% | $235,000 | |
Coastal Community Bank
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
|
HELOC | 0 +2 HELOCs |
0% | 0% | ||
HomeBridge Financial Services, Inc
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Bank Ozk
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Digital Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Oldsmar 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 Oldsmar, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Oldsmar? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oldsmar in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oldsmar, FL
Use these to narrow the list above. Each category shows how many Oldsmar, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Oldsmar, FL
Independent mortgage companies closed 76.6 percent of home loans in Oldsmar, Florida in 2025, banks 16.4 percent and credit unions 7 percent. A&D Mortgage LLC was the largest mortgage company, Regions Bank the largest bank and Suncoast Credit Union the largest credit union. Among lenders headquartered in Florida, Flagship Bank led with 1 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 Oldsmar, FL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Oldsmar, Florida with 4 loans, about 1.6 percent of the market. The largest lender headquartered in Florida was Flagship Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Oldsmar, Florida in 2025, led by United Wholesale Mortgage with 15. 21 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. 34 banks and 12 credit unions closed home loans in Oldsmar, Florida in 2025, alongside 75 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 Oldsmar, 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 Oldsmar, 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 Oldsmar. 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.
