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Mortgage Lenders and Brokers in On Top of the World, Florida

Content reviewed by

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

On Top of the World, Florida mortgage lenders include First Federal BankFirst Federal Bank300 N Waukesha St, Bonifay, FL 32425A+5.0 ★Texas Ratio: 1.10%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Campus USA Credit UnionCampus USA Credit Union14759 NW 157th Ln, Alachua, FL 32615A+5.0 ★Texas Ratio: 2.45%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Midflorida Credit UnionMidflorida Credit Union1199 Spring Centre South Blvd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.18%, Seacoast National BankSeacoast National Bank345 E Main St, Apopka, FL 32703A+5.0 ★Texas Ratio: 2.72%, PNC Bank N.A.PNC Bank N.A.900 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, and Florida Credit UnionFlorida Credit Union10303 SE US Highway 441, Belleview, FL 34420A+5.0 ★Texas Ratio: 4.76%. 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 On Top of the World, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in On Top of the World 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 On Top of the World, Florida

Market share is the lender's share of all home loans closed in On Top of the World, 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
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional	28	3%	100%	$198,928	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA, VA, HELOC	12 +1 HELOCs	1.3%	92.3%	$195,833	View
JPMorgan Chase Bank, NA 500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA	11	1.2%	91.7%	$196,818	View
Campus USA Credit Union 14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45%	Conventional, HELOC	10 +6 HELOCs	1.1%	83.3%	$183,000	View
Regions Bank 360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	8 +9 HELOCs	0.9%	57.1%	$128,750	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	6 +5 HELOCs	0.6%	54.5%	$180,000	View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	Conventional, HELOC	6 +1 HELOCs	0.6%	85.7%	$326,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	5 +19 HELOCs	0.5%	83.3%	$275,000	View
Bank of America NA 460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	4 +9 HELOCs	0.4%	80%	$250,000	View
Florida Credit Union 10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76%	Conventional, HELOC	4 +9 HELOCs	0.4%	30.8%	$232,500	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	4 +3 HELOCs	0.4%	80%	$257,500	View
Wells Fargo Bank NA 1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36%	Conventional	3	0.3%	42.9%	$131,666	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, VA, HELOC	2 +3 HELOCs	0.2%	100%	$230,000	View
Truist Bank ★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$165,000	View
Brannen Bank 3930 N Lecanto Hwy, Beverly Hills, FL 34465 D1.6 ★Texas Ratio: 7.63%	Conventional	2	0.2%	66.7%	$200,000	View
VyStar Credit Union 16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56%	Conventional	2	0.2%	66.7%	$375,000	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, HELOC	1 +3 HELOCs	0.1%	100%	$255,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$285,000	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	VA	1	0.1%	100%	$185,000	View
Climate First Bank 2755 E Orange Ave, Eustis, FL 32726 A+5.0 ★Texas Ratio: 1.15%	Conventional	1	0.1%	100%	$315,000	View
Launch Credit Union 14640 Hanger Rd, Cape Canaveral, FL 32920 A5.0 ★Texas Ratio: 7.61%	Conventional	1	0.1%	100%	$75,000	View
The Central Trust Bank 3701 Tamiami Trl N, Naples, FL 34103 A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0.1%	100%	$255,000	View
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	Conventional	1	0.1%	100%	$345,000	View
Centennial Bank 22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14%	Conventional	1	0.1%	100%	$115,000	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional	1	0.1%	100%	$475,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +3 HELOCs	0%	0%		View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	HELOC	0 +1 HELOCs	0%	50%		View
Freedom Mortgage Corporation	Conventional, FHA, VA	13	1.4%	82.4%	$302,692
Mortgage Financial Group Inc	Conventional, FHA, VA, USDA	8	0.9%	100%	$218,750
Lennar Mortgage, LLC	Conventional, FHA, VA	7	0.8%	77.8%	$260,714
Lakeview Loan Servicing, LLC	Conventional, VA	5	0.5%	44.4%	$203,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.3%	75%	$278,333	View
Acrisure Mortgage, LLC	Conventional, FHA	3	0.3%	100%	$285,000
The Mortgage Firm	Conventional, FHA	3	0.3%	100%	$301,666
PHH Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$140,000
Citizens First Bank	Conventional	2	0.2%	100%	$245,000
Mortgage Lenders Investment Tr	Conventional, VA	2	0.2%	100%	$315,000
Nqm Funding, LLC	Conventional	1	0.1%	100%	$215,000
New Day Financial, LLC.	VA	1	0.1%	66.7%	$515,000
Metroplex Mortgage Services	VA	1	0.1%	100%	$145,000
Pulte Mortgage LLC	Conventional, FHA, VA	133	14.4%	93%	$296,353
Rocket Mortgage	Conventional, FHA, VA	73	7.9%	86%	$197,739
Fairway Independent Mort Corp	Conventional, FHA, VA	65	7%	91.5%	$321,615
CrossCountry Mortgage, LLC	Conventional, FHA, VA	55	6%	93.3%	$282,636
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	54 +1 HELOCs	5.8%	90.3%	$308,148
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	30 +2 HELOCs	3.2%	100%	$286,666
Mortgage Research Center	Conventional, VA	23	2.5%	76.7%	$245,434
Primelending	Conventional, FHA, VA	21	2.3%	96%	$257,380
American Financial Network, Inc.	Conventional, FHA, VA	21	2.3%	100%	$215,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, USDA	17	1.8%	100%	$266,176	View
Pennymac Loan Services LLC	Conventional, FHA, VA	15	1.6%	93.8%	$219,666
Guaranteed Rate, Inc.	Conventional, VA, HELOC	12 +1 HELOCs	1.3%	92.3%	$277,500
loanDepot.com LLC	Conventional, FHA, VA	11	1.2%	61.1%	$145,000
Success Mortgage Partners, Inc	Conventional, FHA, VA, USDA	11	1.2%	100%	$287,727
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	10 +3 HELOCs	1.1%	90.9%	$236,000
Nationstar Mortgage	Conventional, FHA	9	1%	81.8%	$123,888
Zillow Home Loans, LLC	Conventional, FHA, VA	9	1%	83.3%	$178,333
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, VA	8	0.9%	72.7%	$283,750	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, VA	6	0.6%	85.7%	$213,333	View
Equity Prime Mortgage LLC	FHA, VA	6	0.6%	100%	$280,000
Kind Lending, LLC	Conventional, FHA, VA	6	0.6%	75%	$256,666
American Financial Resources LLC	Conventional, FHA, VA, USDA	5	0.5%	83.3%	$301,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	5	0.5%	83.3%	$169,000	View
Panorama Mortgage Group, LLC	Conventional, FHA	4	0.4%	100%	$190,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA, VA	4	0.4%	100%	$207,500
Click n' Close, Inc.	Conventional, FHA	4	0.4%	100%	$200,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.4%	80%	$182,500	View
Paramount Residential Mortgage	Conventional, FHA	4	0.4%	100%	$325,000
The Loan Store, Inc	Conventional, FHA, HELOC	3 +1 HELOCs	0.3%	100%	$341,666
Amerisave Mortgage Company	Conventional, FHA	3	0.3%	25%	$78,333
Guild Mortgage Company	Conventional, FHA	3	0.3%	100%	$201,666
Advisors Mortgage Group, LLC	Conventional, FHA	3	0.3%	100%	$155,000
Capital Partners Mortgage Services, LLC	Conventional, VA	3	0.3%	100%	$211,666
Ameritrust Mortgage Corporation	Conventional, FHA	3	0.3%	100%	$345,000
Cardinal Financial Company, Li	Conventional, FHA, VA	3	0.3%	100%	$225,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	3	0.3%	100%	$111,666	View
Embrace Home Loans, Inc.	Conventional, VA	3	0.3%	100%	$341,666
BoxCar Mortgage, LLC	Conventional, FHA	3	0.3%	100%	$325,000
Nationwide Mortgage Bankers, Inc.	Conventional, FHA	3	0.3%	100%	$435,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, VA	3	0.3%	100%	$281,666	View
EMM Loans LLC	FHA	2	0.2%	100%	$310,000
Affordable Mortgage Advisors	Conventional	2	0.2%	100%	$165,000
Movement Mortgage, LLC	Conventional, FHA	2	0.2%	100%	$130,000
Loanunited.Com, LLC	VA	2	0.2%	100%	$320,000
Bayshore Mortgage Funding	Conventional, USDA	2	0.2%	66.7%	$170,000
Nextmortgage, LLC	Conventional, FHA	2	0.2%	100%	$260,000
Waterstone Mortgage Corporation	Conventional	2	0.2%	100%	$325,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	2	0.2%	100%	$195,000
American Pacific Mortgage Corporation	Conventional, VA	2	0.2%	100%	$315,000
Stockton Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$565,000
Mortgage Solutions of Colorado	VA	2	0.2%	100%	$250,000
Prosperity Home Mortgage, LLC	Conventional, FHA	2	0.2%	100%	$230,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.2%	100%	$305,000	View
Spring Eq, LLC	Conventional	2	0.2%	40%	$75,000
Top Flite Financial, Inc.	Conventional	2	0.2%	100%	$145,000
Leaderone Financial Corp.	FHA	2	0.2%	100%	$315,000
Bank Ozk	Conventional, HELOC	1 +6 HELOCs	0.1%	50%	$145,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$245,000	View
The Union Bank Company A+5.0 ★Texas Ratio: 0.68%	Conventional	1	0.1%	100%	$305,000	View
Everett Financial, Inc.	FHA	1	0.1%	100%	$215,000
Weststar Mortgage Corporation	Conventional	1	0.1%	100%	$55,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$285,000
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$205,000
Deephaven Mortgage LLC	Conventional	1	0.1%	50%	$135,000
Home Mortgage Alliance Corp (Hmac)	FHA	1	0.1%	100%	$145,000
Citizens Tri County Bank ★ 5 stars, 1 review A5.0 ★Texas Ratio: 7.54%	Conventional	1	0.1%	100%	$425,000	View
City Lending Inc. A+5.0 ★Texas Ratio: 1.71%	Conventional	1	0.1%	100%	$175,000	View
Homestead Funding Corp.	Conventional	1	0.1%	100%	$185,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$405,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	100%	$385,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	VA	1	0.1%	100%	$475,000	View
Scott Credit Union	Conventional	1	0.1%	100%	$145,000
Trustone Financial Credit Union	Conventional	1	0.1%	100%	$125,000
Goldwater Bank, N.A. C+4.1 ★Texas Ratio: 26.20%	Conventional	1	0.1%	100%	$335,000	View
Ross Mortgage Corporation	VA	1	0.1%	100%	$365,000
Das Acquisition Company, LLC	Conventional	1	0.1%	100%	$245,000
Intercoastal Mortgage, LLC A+5.0 ★Texas Ratio: 0.40%	FHA	1	0.1%	100%	$355,000	View
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0.1%	100%	$175,000	View
Network Capital Funding Corporation	Conventional	1	0.1%	100%	$135,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$95,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$235,000
First Option Mortgage, LLC	Conventional	1	0.1%	100%	$335,000
Evergreen Moneysource Mortgage Company	FHA	1	0.1%	100%	$85,000
Atlantic Bay Mortgage Group	Conventional	1	0.1%	100%	$265,000
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$155,000
Planet Home Lending, LLC	FHA	1	0.1%	50%	$335,000
T2 Financial LLC	VA	1	0.1%	100%	$235,000
Direct Mortgage Loans, LLC	Conventional	1	0.1%	100%	$235,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$75,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$355,000	View
Geneva Financial LLC	Conventional	1	0.1%	100%	$105,000
Union Savings Bank	Conventional	1	0.1%	100%	$305,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	50%	$245,000	View
Midland States Bank A5.0 ★Texas Ratio: 9.50%	Conventional	1	0.1%	100%	$105,000	View
Saygo Home Loans, LLC	FHA	1	0.1%	100%	$535,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$135,000
Tjc Mortgage Inc	VA	1	0.1%	100%	$435,000
DFCU Financial	Conventional	1	0.1%	100%	$155,000
Pentagon Federal Credit Union	VA	1	0.1%	100%	$255,000
Better Mortgage Corporation	Conventional	1	0.1%	50%	$465,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$295,000	View
Mutual of Omaha Mortgage	Conventional	1	0.1%	33.3%	$145,000
Summit Mortgage Corporation	Conventional	1	0.1%	100%	$365,000
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional	1	0.1%	50%	$385,000	View
The Mortgage Company	Conventional	1	0.1%	100%	$165,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	1	0.1%	33.3%	$75,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	50%	$455,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$415,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	12.5%	$155,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	11.1%	$55,000	View
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$135,000
Civista Bank A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.1%	100%	$175,000	View
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	100%	$195,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$285,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$95,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$165,000
Village Capital & Investment	VA	1	0.1%	66.7%	$435,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$185,000
Coastal Community Bank	HELOC	0 +4 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +1 HELOCs	0%	n/a
Digital Federal Credit Union	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.

On Top of the World 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 On Top of the World, Florida

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

Types of Mortgage Lenders in On Top of the World, FL

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

Mortgage companies and brokers 105 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 44 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 13 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 53 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 50 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 5 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 1 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 25 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in On Top of the World, FL

Independent mortgage companies closed 79.2 percent of home loans in On Top of the World, Florida in 2025, banks 16.3 percent and credit unions 4.4 percent. Freedom Mortgage Corporation was the largest mortgage company, First Federal Bank the largest bank and Campus USA Credit Union the largest credit union. Among lenders headquartered in Florida, First Federal Bank led with 28 loans.

79.2%

Mortgage companies

16.3%

Banks

4.4%

Credit unions

13%

FHA loans

18%

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 On Top of the World, FL

Who is the largest mortgage lender in On Top of the World, FL?

By home loans closed in 2025, First Federal Bank was the largest mortgage lender in On Top of the World, Florida with 28 loans, about 3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in On Top of the World, FL have the highest approval rates?

Among lenders with meaningful volume in On Top of the World, Florida, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 93.3 percent, against a 85.4 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 On Top of the World, FL mortgage lenders offer FHA, VA and USDA loans?

53 lenders closed FHA loans in On Top of the World, Florida in 2025, led by United Wholesale Mortgage with 15. 50 lenders closed VA loans, led by Pulte Mortgage LLC, and 5 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.

Are credit unions and local banks included in this On Top of the World, FL lender list?

Yes. 44 banks and 13 credit unions closed home loans in On Top of the World, Florida in 2025, alongside 105 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 On Top of the World, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in On Top of the World, 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 On Top of the World, 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 On Top of the World. 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.