Mortgage Lenders and Brokers in Palatka, 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
Palatka, Florida mortgage lenders include Ameris BankAmeris Bank100 N Hgwy 19, Palatka, FL 32177A+5.0 ★Texas Ratio: 1.82%, Southstate Bank, National AssociationSouthstate Bank, National Association350 N State Road 19, Palatka, FL 32177A+5.0 ★Texas Ratio: 2.27%, TD BankTD Bank101 Highway #19 North, Palatka, FL 32177A+5.0 ★Texas Ratio: 3.71%, Capital City BankCapital City Bank4120 Crill Ave, Palatka, FL 32177A+5.0 ★Texas Ratio: 2.55%, VyStar Credit UnionVyStar Credit Union510 S State Road 19, Palatka, FL 32177A5.0 ★Texas Ratio: 9.56%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Flagstar Bank NAFlagstar Bank NA20423 State Road 7, Boca Raton, FL 33498D3.3 ★Texas Ratio: 35.11%, Triad Financial Services, Inc.Triad Financial Services, Inc.1209 Kingsway Rd, Brandon, FL 33510A+5.0 ★Texas Ratio: 5.93%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, and PNC Bank N.A.PNC Bank N.A.900 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.24%. 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 Palatka, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Palatka 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 Palatka, Florida
Market share is the lender's share of all home loans closed in Palatka, 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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★ 4 stars, 1 review 2 offices in Palatka 100 N Hgwy 19, Palatka, FL 32177 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, HELOC | 4 +2 HELOCs |
1.3% | 100% | $277,500 | View |
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★ 5 stars, 1 review 1 office in Palatka 350 N State Road 19, Palatka, FL 32177 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA, HELOC | 3 +6 HELOCs |
1% | 100% | $178,333 | View |
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1 office in Palatka 101 Highway #19 North, Palatka, FL 32177 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $255,000 | View |
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2 offices in Palatka 4120 Crill Ave, Palatka, FL 32177 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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510 S State Road 19, Palatka, FL 32177 A5.0 ★Texas Ratio: 9.56% |
Conventional, FHA, VA, HELOC | 18 +2 HELOCs |
5.7% | 45% | $123,888 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.6% | 100% | $130,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
FHA, VA | 2 | 0.6% | 66.7% | $205,000 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 2 | 0.6% | 80% | $110,000 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA | 2 | 0.6% | 100% | $310,000 | 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% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $205,000 | View |
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316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
FHA | 1 | 0.3% | 100% | $235,000 | View |
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850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.3% | 100% | $615,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $235,000 | View |
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993 Us Highway 31 South, Defuniak Springs, FL 32435 A+5.0 ★Texas Ratio: 2.40% |
VA | 1 | 0.3% | 100% | $435,000 | View |
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11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 1 | 0.3% | 100% | $515,000 | View |
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7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.3% | 100% | $345,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $165,000 | View |
PHH Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $225,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.3% | 50% | $95,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 50% | $185,000 | |
The Mortgage Firm
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VA | 1 | 0.3% | 100% | $355,000 | |
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A5.0 ★Texas Ratio: 10.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA, VA | 38 | 12.1% | 83% | $237,105 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 33 +4 HELOCs |
10.5% | 91.7% | $228,333 | |
Rocket Mortgage
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Conventional, FHA, VA | 30 | 9.5% | 65.2% | $174,333 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 9 | 2.9% | 90% | $270,555 | |
New American Funding, LLC.
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Conventional, FHA, VA | 9 | 2.9% | 81.8% | $159,444 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 8 +1 HELOCs |
2.5% | 72.7% | $166,250 | |
21St Mortgage
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Conventional | 8 | 2.5% | 56.2% | $163,750 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 7 | 2.2% | 100% | $119,285 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 6 | 1.9% | 85.7% | $111,666 | |
Nationstar Mortgage
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Conventional, VA | 6 | 1.9% | 100% | $185,000 | |
Mortgage Research Center
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Conventional, VA | 6 | 1.9% | 75% | $285,000 | |
Barwick Banking Company
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Conventional | 6 | 1.9% | 100% | $141,666 | |
EMM Loans LLC
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Conventional, FHA | 5 | 1.6% | 83.3% | $185,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 1.6% | 85.7% | $307,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 5 | 1.6% | 100% | $265,000 | |
American Financial Resources LLC
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Conventional, FHA, VA | 4 | 1.3% | 100% | $215,000 | |
Affordable Mortgage Advisors
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Conventional, FHA | 4 | 1.3% | 100% | $127,500 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, VA | 4 | 1.3% | 80% | $222,500 | View |
Equity Prime Mortgage LLC
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FHA, VA | 4 | 1.3% | 66.7% | $212,500 | |
Kind Lending, LLC
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Conventional, FHA, VA | 4 | 1.3% | 66.7% | $282,500 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 3 | 1% | 100% | $145,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 3 | 1% | 100% | $125,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +2 HELOCs |
0.6% | 50% | $280,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.6% | 66.7% | $115,000 | |
Guaranteed Rate, Inc.
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Conventional, VA | 2 | 0.6% | 66.7% | $255,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
FHA, VA | 2 | 0.6% | 66.7% | $280,000 | View |
Network Capital Funding Corporation
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Conventional | 2 | 0.6% | 100% | $225,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.6% | 100% | $215,000 | View |
Atlantic Bay Mortgage Group
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Conventional | 2 | 0.6% | 100% | $140,000 | |
Planet Home Lending, LLC
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FHA, VA | 2 | 0.6% | 100% | $320,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
FHA | 2 | 0.6% | 66.7% | $145,000 | View |
Village Capital & Investment
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Conventional, VA | 2 | 0.6% | 100% | $195,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 2 | 0.6% | 100% | $185,000 | |
Movement Mortgage, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $85,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
VA | 1 | 0.3% | 100% | $385,000 | View |
First Community Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Primelending
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.3% | 100% | $175,000 | |
MDE Home Loans LLC
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.3% | 100% | $215,000 | |
Filo Mortgage, LLC
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VA | 1 | 0.3% | 50% | $275,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 16.7% | $35,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 33.3% | $195,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
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A+5.0 ★Texas Ratio: 2.18% |
FHA | 1 | 0.3% | 100% | $165,000 | View |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
Valley West Corporation
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FHA | 1 | 0.3% | 100% | $225,000 | |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.3% | 100% | $165,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 50% | $65,000 | |
Network Funding, L.P.
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VA | 1 | 0.3% | 100% | $205,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.3% | 100% | $215,000 | |
Direct Mortgage Loans, LLC
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VA | 1 | 0.3% | 100% | $135,000 | |
Agfirst Farm Credit Bank
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Conventional | 1 | 0.3% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $475,000 | View |
Towne Mortgage Company
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VA | 1 | 0.3% | 100% | $235,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 50% | $125,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $175,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $255,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.3% | 100% | $265,000 | View |
Southwest Stage Funding LLC
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VA | 1 | 0.3% | 50% | $245,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.3% | 100% | $365,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.3% | 100% | $245,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $85,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $195,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.3% | 100% | $125,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Palatka 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 Palatka, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Palatka? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Palatka in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Palatka, FL
Use these to narrow the list above. Each category shows how many Palatka, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Palatka, FL
Independent mortgage companies closed 78.7 percent of home loans in Palatka, Florida in 2025, banks 13.3 percent and credit unions 7.9 percent. Triad Financial Services, Inc. was the largest mortgage company, Ameris Bank the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 3 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 Palatka, FL
By home loans closed in 2025, Ameris Bank was the largest mortgage lender in Palatka, Florida with 4 loans, about 1.3 percent of the market. The largest lender headquartered in Florida was Southstate Bank, National Association with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
34 lenders closed FHA loans in Palatka, Florida in 2025, led by United Wholesale Mortgage with 15. 34 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. 30 banks and 9 credit unions closed home loans in Palatka, Florida in 2025, alongside 61 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 Palatka, 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 Palatka, 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 Palatka. 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.
