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Mortgage Lenders and Brokers in Oviedo, Florida

Content reviewed by

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

Oviedo, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3 Alafaya Woods Blvd, Oviedo, FL 32765A+5.0 ★Texas Ratio: 3.68%, Regions BankRegions Bank11 Alexandria Blvd, Oviedo, FL 32765A+5.0 ★Texas Ratio: 4.37%, Wells Fargo Bank NAWells Fargo Bank NA1825 E Broadway St, Oviedo, FL 32765A+5.0 ★Texas Ratio: 5.36%, Trustco BankTrustco Bank1875 W County Road 419, Oviedo, FL 32765A+5.0 ★Texas Ratio: 4.14%, Bank of America NABank of America NA1555 E Mitchell Hammock Rd, Oviedo, FL 32765A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank1880 W County Road 419, Oviedo, FL 32765A+5.0 ★Texas Ratio: 2.87%, Fifth Third Bank, National AssociationFifth Third Bank, National Association5 Alafaya Woods Blvd, Oviedo, FL 32765A+5.0 ★Texas Ratio: 3.22%, PNC Bank N.A.PNC Bank N.A.1700 E Mitchell Hammock Rd, Oviedo, FL 32765A+5.0 ★Texas Ratio: 4.24%, Seacoast National BankSeacoast National Bank2839 Clayton Crossing Way, Oviedo, FL 32765A+5.0 ★Texas Ratio: 2.72%, and Mainstreet Community Bank of FloridaMainstreet Community Bank of Florida95 East Mitchell Hammock Road, Oviedo, FL 32765A-5.0 ★Texas Ratio: 14.27%. 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 Oviedo, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oviedo 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 Oviedo, Florida

Market share is the lender's share of all home loans closed in Oviedo, 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
JPMorgan Chase Bank, NA 1 office in Oviedo 3 Alafaya Woods Blvd, Oviedo, FL 32765 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	22 +3 HELOCs	2.2%	85.7%	$420,000	View
Regions Bank 1 office in Oviedo 11 Alexandria Blvd, Oviedo, FL 32765 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	12 +12 HELOCs	1.2%	68.4%	$501,666	View
Wells Fargo Bank NA 2 offices in Oviedo 1825 E Broadway St, Oviedo, FL 32765 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA	12	1.2%	80%	$353,333	View
Trustco Bank ★ 1.8 stars, 5 reviews 2 offices in Oviedo 1875 W County Road 419, Oviedo, FL 32765 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +17 HELOCs	0.7%	77.8%	$306,428	View
Bank of America NA 1 office in Oviedo 1555 E Mitchell Hammock Rd, Oviedo, FL 32765 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	6 +42 HELOCs	0.6%	100%	$518,333	View
Truist Bank ★ 1 stars, 1 review 1 office in Oviedo 1880 W County Road 419, Oviedo, FL 32765 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	6 +32 HELOCs	0.6%	100%	$451,666	View
Fifth Third Bank, National Association 1 office in Oviedo 5 Alafaya Woods Blvd, Oviedo, FL 32765 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	3 +20 HELOCs	0.3%	80%	$395,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Oviedo 1700 E Mitchell Hammock Rd, Oviedo, FL 32765 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	3 +13 HELOCs	0.3%	75%	$458,333	View
Seacoast National Bank ★ 5 stars, 1 review 1 office in Oviedo 2839 Clayton Crossing Way, Oviedo, FL 32765 A+5.0 ★Texas Ratio: 2.72%	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$545,000	View
Mainstreet Community Bank of Florida 1 office in Oviedo 95 East Mitchell Hammock Road, Oviedo, FL 32765 A-5.0 ★Texas Ratio: 14.27%	Conventional	1	0.1%	50%	$705,000	View
Fairwinds Credit Union 1425 E Mitchell Hammock Rd, Oviedo, FL 32765 0004 A+5.0 ★Texas Ratio: 2.64%	Conventional, HELOC	46 +26 HELOCs	4.6%	73%	$191,304	View
Addition Financial Credit Union 847 S Orange Blossom Trl, Apopka, FL 32703 A5.0 ★Texas Ratio: 6.85%	Conventional, HELOC	15 +10 HELOCs	1.5%	83.3%	$219,666	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	5 +15 HELOCs	0.5%	63.6%	$237,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	5 +2 HELOCs	0.5%	71.4%	$447,000	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	5 +2 HELOCs	0.5%	62.5%	$147,000	View
VyStar Credit Union 3055 Alafaya Trl, Oviedo, FL 32765 9403 A5.0 ★Texas Ratio: 9.56%	Conventional, HELOC	3 +1 HELOCs	0.3%	42.9%	$331,666	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional	3	0.3%	100%	$481,666	View
Launch Credit Union 14640 Hanger Rd, Cape Canaveral, FL 32920 A5.0 ★Texas Ratio: 7.61%	Conventional	3	0.3%	60%	$288,333	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +5 HELOCs	0.2%	40%	$110,000	View
Climate First Bank 2755 E Orange Ave, Eustis, FL 32726 A+5.0 ★Texas Ratio: 1.15%	Conventional, FHA	2	0.2%	66.7%	$580,000	View
One Florida Bank 77 Geneva Dr, Oviedo, FL 32765 A+5.0 ★Texas Ratio: 1.41%	Conventional, Jumbo	2	0.2%	100%	$660,000	View
Florida Capital Bank, N.A 241 Sw 7th Ter, Gainesville, FL 32601	Conventional	2	0.2%	100%	$505,000
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	1 +9 HELOCs	0.1%	50%	$475,000	View
Partners Federal Credit Union 5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65%	Conventional, HELOC	1 +2 HELOCs	0.1%	50%	$465,000	View
Community Credit Union of Florida 660 West Ave, Cocoa, FL 32927 4971 A+5.0 ★Texas Ratio: 1.43%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$105,000	View
Usf Credit Union 16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$65,000	View
Servisfirst Bank 316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75%	Conventional, Jumbo	1	0.1%	100%	$1,525,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	FHA	1	0.1%	100%	$415,000	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	1	0.1%	33.3%	$55,000	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%	FHA	1	0.1%	25%	$535,000	View
Mccoy Federal Credit Union 931 N Park Ave, Apopka, FL 32712 A+5.0 ★Texas Ratio: 3.49%	Conventional	1	0.1%	100%	$25,000	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$655,000	View
WSFS bank 980 North Federal Highway Suite 110 30, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 3.10%	Conventional	1	0.1%	100%	$75,000	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$545,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +5 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	n/a		View
The Mortgage Firm	Conventional, VA, Jumbo	19	1.9%	100%	$432,368
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	14	1.4%	100%	$432,142
Acrisure Mortgage, LLC	Conventional, FHA, VA, Jumbo	8	0.8%	66.7%	$496,250
Lakeview Loan Servicing, LLC	Conventional, VA	7	0.7%	44.4%	$342,142
Alkan Mortgage Corporation	Conventional, VA	7	0.7%	100%	$480,714
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.2%	100%	$465,000	View
Nqm Funding, LLC	Conventional	2	0.2%	100%	$505,000
New Day Financial, LLC.	VA	2	0.2%	50%	$345,000
Mortgage300 Corporation	Conventional	2	0.2%	100%	$500,000
Mortgage Lenders Investment Tr	FHA, VA	2	0.2%	50%	$495,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$305,000
First Equity Mortgage Bankers Inc.	Conventional	1	0.1%	100%	$715,000
Americas Mortgage Professionals, LLC	Conventional	1	0.1%	100%	$585,000
American Bancshares Mortgage, LLC	Conventional	1	0.1%	100%	$405,000
Fairway Funding Group, Inc	Conventional, Jumbo	1	0.1%	100%	$1,415,000
Metroplex Mortgage Services	VA	1	0.1%	100%	$285,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	134 +7 HELOCs	13.4%	94.4%	$466,268
Rocket Mortgage	Conventional, FHA, VA, Jumbo	118	11.8%	85.8%	$346,779
M/I Financial. LLC	Conventional, VA, Jumbo	44	4.4%	100%	$619,772
Pulte Mortgage LLC	Conventional, FHA	31	3.1%	77.5%	$348,548
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	29 +12 HELOCs	2.9%	85.7%	$232,586
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	24	2.4%	77.4%	$472,500
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	23	2.3%	96%	$438,913
Nationstar Mortgage	Conventional, FHA, VA	19	1.9%	90.5%	$191,842
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, VA	15	1.5%	100%	$421,000	View
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	13	1.3%	68.4%	$280,384	View
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	11 +2 HELOCs	1.1%	92.9%	$392,272
loanDepot.com LLC	Conventional, HELOC	11 +1 HELOCs	1.1%	66.7%	$235,909
Mortgage Research Center	VA, Jumbo	11	1.1%	42.3%	$517,727
Spring Eq, LLC	Conventional, HELOC	8 +9 HELOCs	0.8%	32%	$103,750
New American Funding, LLC.	Conventional, FHA, HELOC	8 +1 HELOCs	0.8%	88.9%	$323,750
Guaranteed Rate Affinity, LLC	Conventional, FHA, HELOC	7 +1 HELOCs	0.7%	100%	$472,142
Fairway Independent Mort Corp	Conventional, FHA, VA, HELOC	7 +1 HELOCs	0.7%	100%	$493,571
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	7	0.7%	87.5%	$406,428	View
Resicentral LLC	Conventional, Jumbo	7	0.7%	100%	$525,000
Waterstone Mortgage Corporation	Conventional, FHA, VA	7	0.7%	100%	$376,428
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	7	0.7%	72.7%	$207,857	View
Mortgage Equity Partners LLC	Conventional, VA	6	0.6%	75%	$328,333
The Loan Store, Inc	Conventional, FHA, HELOC	5 +4 HELOCs	0.5%	100%	$381,000
Guaranteed Rate, Inc.	Conventional, FHA	5	0.5%	83.3%	$429,000
Kind Lending, LLC	Conventional, FHA	5	0.5%	85.7%	$437,000
Discover Bank	Conventional	5	0.5%	27.8%	$125,000
Provident Funding Associates	Conventional	5	0.5%	100%	$517,000
21St Mortgage	Conventional	5	0.5%	38.5%	$107,000
Nbkc Bank	Conventional, VA, Jumbo	4	0.4%	57.1%	$622,500
Amerisave Mortgage Company	Conventional, FHA	4	0.4%	40%	$237,500
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.4%	80%	$335,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	4	0.4%	100%	$322,500	View
Primelending	Conventional, Jumbo	3	0.3%	100%	$658,333
Guild Mortgage Company	Conventional, VA	3	0.3%	100%	$341,666
American Financial Network, Inc.	Conventional, FHA	3	0.3%	50%	$318,333
General Mortgage Capital Corporation	Conventional	3	0.3%	100%	$488,333
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, VA, Jumbo	3	0.3%	100%	$578,333	View
Union Home Mortgage Corp.	Conventional, FHA	3	0.3%	100%	$371,666
Cardinal Financial Company, Li	Conventional, Jumbo	3	0.3%	75%	$551,666
Planet Home Lending, LLC	FHA, VA	3	0.3%	100%	$328,333
T2 Financial LLC	Conventional, FHA	3	0.3%	100%	$405,000
Tjc Mortgage Inc	Conventional	3	0.3%	100%	$495,000
Zillow Home Loans, LLC	Conventional, FHA	3	0.3%	100%	$325,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	3	0.3%	100%	$391,666	View
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, VA	3	0.3%	55.6%	$278,333	View
First Technology Federal Credit Union	Conventional	3	0.3%	100%	$235,000
Top Flite Financial, Inc.	Conventional, FHA, VA	3	0.3%	100%	$321,666
JMAC Lending, Inc.	Conventional, FHA	3	0.3%	100%	$315,000
HomeBridge Financial Services, Inc	Conventional, FHA, HELOC	2 +7 HELOCs	0.2%	100%	$405,000
Originpoint, LLC	FHA, VA	2	0.2%	100%	$395,000
Cornerstone First Mortgage, LLC	Conventional, VA	2	0.2%	100%	$395,000
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	Conventional	2	0.2%	100%	$515,000	View
Primary Residential Mortgage, INC.	Conventional, FHA	2	0.2%	100%	$220,000
Sage Home Loans Corporation	Conventional, FHA	2	0.2%	100%	$335,000
Equity Prime Mortgage LLC	FHA	2	0.2%	66.7%	$405,000
Filo Mortgage, LLC	Conventional	2	0.2%	100%	$520,000
Michigan Mutual, Inc	VA	2	0.2%	100%	$445,000
Sun West Mortgage Company, Inc	Conventional, VA	2	0.2%	100%	$545,000
New Wave Lending Group Inc	Conventional	2	0.2%	100%	$290,000
Credit Human Federal Credit Un	Conventional	2	0.2%	33.3%	$55,000
First Colony Mortgage Corporat	Conventional, USDA	2	0.2%	100%	$420,000
Homeowners Financial Group, LLC	Conventional	2	0.2%	100%	$280,000
Stg Mortgage Inc	Conventional	2	0.2%	100%	$425,000
Atlantic Bay Mortgage Group	Conventional, VA	2	0.2%	100%	$680,000
Synovus Bank	Conventional, USDA	2	0.2%	100%	$170,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.2%	100%	$260,000	View
Milend, Inc	VA	2	0.2%	100%	$480,000
Empeople Credit Union	Conventional	2	0.2%	100%	$395,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0.2%	66.7%	$300,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional, VA	2	0.2%	100%	$445,000	View
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA	2	0.2%	100%	$315,000	View
Meadowbrook Financial Mortgage Bankers Corp.	Conventional, VA	2	0.2%	100%	$445,000
Tomo Mortgage LLC	Conventional	2	0.2%	100%	$565,000
American Neighborhood Mortgage Acceptance Company	Conventional	2	0.2%	100%	$570,000
Valon Mortgage	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$125,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$785,000	View
Police and Fire Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$505,000
Nextmortgage, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$325,000
Better Mortgage Corporation	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$435,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$415,000	View
First Community Mortgage, Inc.	FHA	1	0.1%	100%	$415,000
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	100%	$285,000	View
American Financial Resources LLC	Conventional	1	0.1%	100%	$335,000
Cliffco, Inc.	FHA	1	0.1%	100%	$405,000
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$55,000
First Bank A+5.0 ★Texas Ratio: 2.49%	Conventional	1	0.1%	100%	$345,000	View
Everett Financial, Inc.	Conventional	1	0.1%	100%	$435,000
Canopy Mortgage, LLC	Conventional	1	0.1%	100%	$265,000
Advancial Federal Credit Union	Conventional	1	0.1%	100%	$605,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	100%	$345,000
Catalyst Mortgage	Conventional	1	0.1%	100%	$295,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$215,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	FHA	1	0.1%	100%	$415,000	View
MortgageCountry	Conventional	1	0.1%	100%	$465,000
Capital Partners Mortgage Services, LLC	VA	1	0.1%	100%	$455,000
Hightechlending, Inc	Conventional	1	0.1%	100%	$505,000
Family Finance Mortgage LLC	FHA	1	0.1%	100%	$375,000
American Security Mortgage Cor	Conventional	1	0.1%	100%	$385,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$325,000
Network Capital Funding Corporation	Conventional	1	0.1%	50%	$365,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$295,000	View
Bay Equity LLC	Conventional	1	0.1%	100%	$485,000
Weichert Financial Services	Conventional	1	0.1%	100%	$605,000
Calcon Mutual Mortgage LLC	Conventional	1	0.1%	100%	$665,000
Nfm, Inc	Conventional	1	0.1%	100%	$275,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$415,000	View
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$435,000	View
Intelliloan, Inc.	FHA	1	0.1%	100%	$445,000
Embrace Home Loans, Inc.	Conventional	1	0.1%	100%	$395,000
Nations Lending Corporation	VA	1	0.1%	100%	$605,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	50%	$425,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$425,000	View
Geneva Financial LLC	FHA	1	0.1%	100%	$285,000
Saygo Home Loans, LLC	VA	1	0.1%	100%	$345,000
Towne Mortgage Company	Conventional	1	0.1%	100%	$275,000
Uif Corporation	Conventional	1	0.1%	100%	$755,000
Wings Financial Credit Union	Conventional	1	0.1%	100%	$555,000
Interstate Home Loan Center, Inc.	Conventional	1	0.1%	100%	$445,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$325,000
Thrivent Federal Credit Union	Conventional	1	0.1%	100%	$265,000
Mutual of Omaha Mortgage	FHA	1	0.1%	100%	$95,000
Ardent Federal Credit Union A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$35,000	View
Drew Mortgage Associates, Inc	Conventional	1	0.1%	100%	$345,000
Cornhusker Bank A+5.0 ★Texas Ratio: 0.16%	Conventional	1	0.1%	100%	$585,000	View
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0.1%	100%	$385,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$705,000
Nexera Holding LLC	Conventional	1	0.1%	50%	$155,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	25%	$275,000
Ark-La-Tex Financial Services LLC	FHA	1	0.1%	100%	$335,000
Servbank, N.A. A+5.0 ★Texas Ratio: 3.26%	VA	1	0.1%	100%	$195,000	View
Gershman Investment Corp.	Conventional	1	0.1%	100%	$265,000
Star One Credit Union	Conventional	1	0.1%	100%	$245,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$145,000
Figure Lending LLC	HELOC	0 +19 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +8 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +6 HELOCs	0%	0%
Coastal Community Bank	HELOC	0 +6 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +4 HELOCs	0%	0%
Justice Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Digital Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Skyla Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	0%
Inova Federal Credit Union A5.0 ★Texas Ratio: 12.73%	HELOC	0 +1 HELOCs	0%	n/a		View
Bank Ozk	HELOC	0 +1 HELOCs	0%	n/a
Firefighters First 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.

Oviedo 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 Oviedo, Florida

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

Types of Mortgage Lenders in Oviedo, FL

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

Mortgage companies and brokers 121 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 47 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 31 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 48 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 43 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 19 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 35 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Oviedo, FL

Independent mortgage companies closed 70.8 percent of home loans in Oviedo, Florida in 2025, banks 16.6 percent and credit unions 12.6 percent. Triad Financial Services, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Fairwinds Credit Union the largest credit union. Among lenders headquartered in Florida, Seacoast National Bank led with 1 loans.

70.8%

Mortgage companies

16.6%

Banks

12.6%

Credit unions

10%

FHA loans

11%

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 Oviedo, FL

Who is the largest mortgage lender in Oviedo, FL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Oviedo, Florida with 22 loans, about 2.2 percent of the market. The largest lender headquartered in Florida was Seacoast National Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Oviedo, FL have the highest approval rates?

Among lenders with meaningful volume in Oviedo, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 94.4 percent, against a 80.8 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 Oviedo, FL mortgage lenders offer FHA, VA and USDA loans?

48 lenders closed FHA loans in Oviedo, Florida in 2025, led by United Wholesale Mortgage with 25. 43 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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 Oviedo, FL lender list?

Yes. 47 banks and 31 credit unions closed home loans in Oviedo, Florida in 2025, alongside 121 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 Oviedo, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Oviedo, 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 Oviedo, 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 Oviedo. 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.