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Mortgage Lenders and Brokers in Palm Coast, Florida

Content reviewed by

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

Palm Coast, Florida mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA1050 Palm Coast Pkwy Sw, Palm Coast, FL 32137A+5.0 ★Texas Ratio: 5.36%, Ameris BankAmeris Bank181 Cypress Point Pkwy, Palm Coast, FL 32164A+5.0 ★Texas Ratio: 1.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA214 Palm Coast Pkwy Ne, Palm Coast, FL 32137A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank15 Pine Cone Dr, Palm Coast, FL 32137A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.235 Palm Coast Pkwy Ne, Palm Coast, FL 32137A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA4850 Belle Terre Pkwy, Palm Coast, FL 32164A+5.0 ★Texas Ratio: 4.14%, Trustco BankTrustco Bank120 Belle Terre Pkwy, Palm Coast, FL 32164A+5.0 ★Texas Ratio: 4.14%, Southstate Bank, National AssociationSouthstate Bank, National Association175 Cypress Point Pkwy, Palm Coast, FL 32164A+5.0 ★Texas Ratio: 2.27%, VyStar Credit UnionVyStar Credit Union305 Palm Coast Pkwy SW, Palm Coast, FL 32137 4763A5.0 ★Texas Ratio: 9.56%, and Space Coast Credit UnionSpace Coast Credit Union10 Leanni Way, Palm Coast, FL 32137A+5.0 ★Texas Ratio: 5.37%. 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 Palm Coast, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Palm Coast 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 Palm Coast, Florida

Market share is the lender's share of all home loans closed in Palm Coast, 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
Wells Fargo Bank NA 3 offices in Palm Coast 1050 Palm Coast Pkwy Sw, Palm Coast, FL 32137 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA	35	1.3%	85.4%	$276,428	View
Ameris Bank ★ 4 stars, 1 review 1 office in Palm Coast 181 Cypress Point Pkwy, Palm Coast, FL 32164 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA, VA, Jumbo, HELOC	18 +11 HELOCs	0.7%	95%	$418,888	View
JPMorgan Chase Bank, NA 2 offices in Palm Coast 214 Palm Coast Pkwy Ne, Palm Coast, FL 32137 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, HELOC	17 +1 HELOCs	0.7%	90%	$220,882	View
Truist Bank ★ 1 stars, 1 review 2 offices in Palm Coast 15 Pine Cone Dr, Palm Coast, FL 32137 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, VA, Jumbo, HELOC	15 +59 HELOCs	0.6%	88.2%	$340,333	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3 offices in Palm Coast 235 Palm Coast Pkwy Ne, Palm Coast, FL 32137 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	13 +32 HELOCs	0.5%	100%	$248,846	View
Bank of America NA 2 offices in Palm Coast 4850 Belle Terre Pkwy, Palm Coast, FL 32164 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	11 +52 HELOCs	0.4%	84.6%	$332,272	View
Trustco Bank ★ 1.8 stars, 5 reviews 1 office in Palm Coast 120 Belle Terre Pkwy, Palm Coast, FL 32164 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	8 +4 HELOCs	0.3%	81.8%	$295,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Palm Coast 175 Cypress Point Pkwy, Palm Coast, FL 32164 A+5.0 ★Texas Ratio: 2.27%	Conventional, HELOC	1 +6 HELOCs	0%	100%	$85,000	View
VyStar Credit Union 305 Palm Coast Pkwy SW, Palm Coast, FL 32137 4763 A5.0 ★Texas Ratio: 9.56%	Conventional, FHA, VA, HELOC	84 +19 HELOCs	3.2%	59.7%	$135,000	View
Space Coast Credit Union 10 Leanni Way, Palm Coast, FL 32137 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	40 +55 HELOCs	1.5%	63.8%	$175,500	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	19 +12 HELOCs	0.7%	82.6%	$306,578	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	11 +2 HELOCs	0.4%	64.7%	$391,363	View
Regions Bank 360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	7 +1 HELOCs	0.3%	63.6%	$260,714	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	FHA, VA	6	0.2%	53.8%	$348,333	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA	6	0.2%	100%	$311,666	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	5 +5 HELOCs	0.2%	100%	$205,000	View
Launch Credit Union 14640 Hanger Rd, Cape Canaveral, FL 32920 A5.0 ★Texas Ratio: 7.61%	Conventional	5	0.2%	66.7%	$97,000	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, Jumbo, HELOC	4 +1 HELOCs	0.2%	50%	$610,000	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional, VA, Jumbo	4	0.2%	100%	$490,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	3 +18 HELOCs	0.1%	100%	$198,333	View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.1%	100%	$565,000	View
Radifi Federal Credit Union 801 Atlantic Blvd, Atlantic Beach, FL 32233	Conventional	3	0.1%	100%	$185,000
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	0.1%	25%	$170,000	View
Renasant Bank 16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA	2	0.1%	100%	$470,000	View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	100%	$1,005,000	View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$55,000	View
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$265,000	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0%	100%	$805,000	View
Tropical Financial Credit Union 8947 W Atlantic Blvd, Coral Springs, FL 33071 A5.0 ★Texas Ratio: 6.93%	Conventional	1	0%	100%	$225,000	View
Fairwinds Credit Union 891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64%	Conventional	1	0%	50%	$305,000	View
Millennium Bank 7515 Sw 24th Ave, Gainesville, FL 32607 A5.0 ★Texas Ratio: 7.27%	Conventional	1	0%	100%	$455,000	View
First Florida Credit Union 8300 NW 53rd St, Doral, FL 33166 7710 A+5.0 ★Texas Ratio: 3.47%	Conventional	1	0%	100%	$75,000	View
Florida Capital Bank, N.A 241 Sw 7th Ter, Gainesville, FL 32601	Conventional	1	0%	100%	$265,000
Florida Credit Union 10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76%	HELOC	0 +7 HELOCs	0%	0%		View
Capital City Bank 15000 Nw 140th St, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.55%	HELOC	0 +1 HELOCs	0%	n/a		View
Hancock Whitney Bank ★ 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
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	HELOC	0 +1 HELOCs	0%	0%		View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	HELOC	0 +1 HELOCs	0%	n/a		View
Coastal Loans, LLC	Conventional, FHA, VA	80	3.1%	95.3%	$309,500
Freedom Mortgage Corporation	Conventional, FHA, VA	39	1.5%	82.5%	$334,487
Acrisure Mortgage, LLC	Conventional, FHA, VA	33	1.3%	94.4%	$335,303
K. Hovnanian American Mortgage	Conventional, FHA, VA	26	1%	96.3%	$299,230
Taylor Morrison Home Funding, Inc.	Conventional, FHA, VA	15	0.6%	75%	$376,333
New Day Financial, LLC.	VA	12	0.5%	50%	$355,000
Jet HomeLoans, LP	Conventional, FHA	11	0.4%	100%	$274,090
Community First Credit Union of FLorida A+5.0 ★Texas Ratio: 3.41%	Conventional, HELOC	8 +1 HELOCs	0.3%	80%	$140,000	View
The Mortgage Firm	Conventional, FHA, VA	8	0.3%	100%	$288,750
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	7	0.3%	34.3%	$269,285
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	4	0.2%	100%	$215,000	View
Trailblazer Mortgage L.L.C.	Conventional, FHA	4	0.2%	66.7%	$300,000
Lennar Mortgage, LLC	Conventional, FHA	4	0.2%	66.7%	$285,000
PHH Mortgage Corporation	Conventional	2	0.1%	100%	$140,000
Builders Choice Mortgage LLC	Conventional, FHA, Jumbo	2	0.1%	100%	$590,000
Mortgage Lenders Investment Tr	Conventional, FHA	2	0.1%	66.7%	$275,000
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional	1	0%	100%	$175,000	View
Alkan Mortgage Corporation	FHA	1	0%	100%	$515,000
Obsidian Financial Services	VA	1	0%	100%	$315,000
Fairway Funding Group, Inc	Conventional	1	0%	100%	$335,000
Foundation Mortgage Corporation	Conventional	1	0%	100%	$435,000
DYBN Financial Corporation dba Morgan Financial	Conventional	1	0%	100%	$355,000
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0%	100%	$215,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	397 +3 HELOCs	15.3%	87.1%	$329,937
Rocket Mortgage	Conventional, FHA, VA, Jumbo	250	9.6%	81.6%	$236,720
loanDepot.com LLC	Conventional, FHA, VA, HELOC	105 +3 HELOCs	4%	69.2%	$278,809
DHI Mortgage Company, LTD.	Conventional, FHA, VA	74	2.8%	77.9%	$244,459
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	73 +2 HELOCs	2.8%	98.8%	$285,000	View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	69	2.7%	82.8%	$255,869
Kbhs Home Loans, LLC	Conventional, FHA, VA	54	2.1%	96.6%	$294,259
Inspire Home Loans Inc.	Conventional, FHA, VA	54	2.1%	85.7%	$331,481
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	50 +2 HELOCs	1.9%	96.2%	$312,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	45 +12 HELOCs	1.7%	76.2%	$236,777
Mortgage Research Center	Conventional, VA	41	1.6%	63.2%	$353,048
RMC Home Mortgage, LLC	Conventional, FHA, VA	38	1.5%	100%	$358,947
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA, Jumbo	36	1.4%	69.8%	$260,000	View
Nationstar Mortgage	Conventional, FHA, VA	33	1.3%	81%	$129,545
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	24	0.9%	53.3%	$289,583
The Loan Store, Inc	Conventional, FHA, VA, HELOC	23 +16 HELOCs	0.9%	100%	$337,173
Everett Financial, Inc.	Conventional, FHA, VA	21	0.8%	100%	$295,952
Zillow Home Loans, LLC	Conventional, FHA, VA	19	0.7%	90.5%	$281,315
Guild Mortgage Company	Conventional, FHA, VA	17	0.7%	100%	$270,294
Toll Brothers Mortgage Company	Conventional, VA	15	0.6%	92%	$328,333
Union Home Mortgage Corp.	Conventional, FHA, VA	15	0.6%	100%	$401,666
Fairway Independent Mort Corp	Conventional, FHA, VA	15	0.6%	94.1%	$281,000
Guaranteed Rate, Inc.	Conventional, FHA, VA	13	0.5%	87.5%	$348,076
Success Mortgage Partners, Inc	Conventional, FHA, VA	13	0.5%	100%	$298,076
Mortgage Equity Partners LLC	Conventional, FHA	13	0.5%	100%	$277,307
Paramount Residential Mortgage	Conventional, FHA, VA	13	0.5%	92.9%	$354,230
Resicentral LLC	Conventional, FHA	12	0.5%	100%	$253,333
Cardinal Financial Company, Li	Conventional, FHA, VA	12	0.5%	93.3%	$289,166
New American Funding, LLC.	Conventional, FHA, VA	12	0.5%	66.7%	$262,500
Homeamerican Mortgage Corporation	Conventional, FHA, VA	12	0.5%	100%	$396,666
Planet Home Lending, LLC	Conventional, FHA, VA	11	0.4%	84.6%	$295,000
Spring Eq, LLC	Conventional, HELOC	10 +2 HELOCs	0.4%	23.8%	$75,000
Kind Lending, LLC	Conventional, FHA, VA	10	0.4%	66.7%	$360,000
Amerisave Mortgage Company	Conventional, FHA, VA	10	0.4%	27.9%	$130,000
Movement Mortgage, LLC	Conventional, FHA, HELOC	9 +1 HELOCs	0.3%	100%	$389,444
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	9	0.3%	90%	$358,333	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	9	0.3%	90%	$133,888	View
EMM Loans LLC	Conventional, FHA, VA	8	0.3%	100%	$333,750
American Financial Resources LLC	Conventional, VA	8	0.3%	100%	$267,500
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA, VA	8	0.3%	100%	$188,750
Equity Prime Mortgage LLC	FHA, VA	8	0.3%	80%	$356,250
Brookhollow Mortgage Services, Ltd	Conventional, FHA, VA	8	0.3%	100%	$335,000
Plaza Home Mortgage, Inc	Conventional, FHA, VA	8	0.3%	44.4%	$411,250
AdvantageFirst Lending Inc	Conventional, FHA, VA	7	0.3%	77.8%	$250,714
Village Capital & Investment	FHA, VA	7	0.3%	68.8%	$349,285
Primelending	Conventional, FHA	6	0.2%	100%	$200,000
American Financial Network, Inc.	Conventional, FHA, VA	6	0.2%	100%	$336,666
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	6	0.2%	85.7%	$336,666
Mutual of Omaha Mortgage	Conventional, FHA, VA	6	0.2%	70%	$238,333
Loanunited.Com, LLC	Conventional, FHA, VA	5	0.2%	71.4%	$273,000
Deephaven Mortgage LLC	Conventional	5	0.2%	83.3%	$349,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	5	0.2%	100%	$233,000	View
Click n' Close, Inc.	Conventional, FHA	5	0.2%	100%	$277,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	5	0.2%	100%	$709,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	5	0.2%	100%	$497,000	View
Nexera Holding LLC	Conventional	5	0.2%	100%	$363,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA	5	0.2%	36.7%	$223,000	View
Tomo Mortgage LLC	Conventional	5	0.2%	100%	$313,000
Champions Funding, LLC	Conventional	5	0.2%	83.3%	$305,000
HomeBridge Financial Services, Inc	FHA, VA, HELOC	4 +9 HELOCs	0.2%	80%	$395,000
Better Mortgage Corporation	Conventional, FHA, HELOC	4 +1 HELOCs	0.2%	57.1%	$282,500
Coast One Mortgage, LLC A+5.0 ★Texas Ratio: 2.18%	Conventional, FHA, VA	4	0.2%	100%	$395,000	View
Discover Bank	Conventional	4	0.2%	10.5%	$62,500
Sun West Mortgage Company, Inc	Conventional, FHA, VA, Jumbo	4	0.2%	83.3%	$422,500
Nfm, Inc	Conventional, FHA, VA	4	0.2%	100%	$312,500
T2 Financial LLC	Conventional, FHA	4	0.2%	100%	$267,500
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.1%	75%	$275,000
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional, VA	3	0.1%	75%	$245,000	View
Synergy One Lending, Inc.	Conventional	3	0.1%	100%	$288,333
East Coast Capital Corp.	Conventional	3	0.1%	100%	$185,000
ClearPath Lending	VA	3	0.1%	100%	$428,333
Bay Equity LLC	Conventional, VA	3	0.1%	100%	$221,666
Mid-Continent Funding, Inc.	VA	3	0.1%	100%	$341,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.1%	50%	$371,666	View
Provident Funding Associates	Conventional	3	0.1%	100%	$248,333
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	3	0.1%	100%	$298,333
Towne Mortgage Company	FHA	3	0.1%	100%	$308,333
Mortgage Solutions of Colorado	VA	3	0.1%	100%	$378,333
Nmsi, Inc.	Conventional	3	0.1%	100%	$345,000
American Neighborhood Mortgage Acceptance Company	Conventional	3	0.1%	75%	$205,000
Pentagon Federal Credit Union	VA, HELOC	2 +3 HELOCs	0.1%	66.7%	$445,000
First Community Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$355,000
Affordable Mortgage Advisors	Conventional	2	0.1%	66.7%	$330,000
Contour Mortgage Corporation	Conventional	2	0.1%	100%	$185,000
Canopy Mortgage, LLC	Conventional, VA	2	0.1%	100%	$225,000
Sage Home Loans Corporation	Conventional	2	0.1%	100%	$225,000
MortgageOne, Inc	FHA	2	0.1%	100%	$180,000
Nbkc Bank	Conventional, VA	2	0.1%	50%	$300,000
City Lending Inc. A+5.0 ★Texas Ratio: 1.71%	Conventional, FHA	2	0.1%	100%	$180,000	View
AmWest Funding Corp	Conventional	2	0.1%	100%	$410,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, VA	2	0.1%	50%	$350,000	View
Michigan Mutual, Inc	Conventional, FHA	2	0.1%	100%	$315,000
Royal Pacific Funding	Conventional	2	0.1%	100%	$445,000
First State Mortgage Services	Conventional, VA	2	0.1%	100%	$540,000
Connexus Credit Union	Conventional	2	0.1%	100%	$160,000
American Heritage Lending, LLC	Conventional	2	0.1%	100%	$310,000
Churchill Mortgage Corporation	Conventional	2	0.1%	100%	$260,000
Loanpeople, LLC	Conventional	2	0.1%	100%	$380,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	2	0.1%	100%	$290,000	View
Saygo Home Loans, LLC	VA	2	0.1%	100%	$420,000
Acopia, LLC	FHA	2	0.1%	100%	$400,000
University Bank A+5.0 ★Texas Ratio: 3.82%	FHA	2	0.1%	100%	$130,000	View
Pike Creek Mortgage Services, Inc.	Conventional	2	0.1%	100%	$240,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.1%	66.7%	$155,000
Ardent Federal Credit Union A5.0 ★Texas Ratio: 7.48%	Conventional	2	0.1%	100%	$170,000	View
Right Start Mortgage, Inc	Conventional	2	0.1%	100%	$380,000
Barwick Banking Company	Conventional, Jumbo	2	0.1%	100%	$645,000
Compass Mortgage, Inc.	Conventional	2	0.1%	100%	$395,000
Reliance First Capital, LLC	Conventional, FHA	2	0.1%	100%	$205,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	2	0.1%	66.7%	$150,000	View
Texana Bank	Conventional, VA	2	0.1%	100%	$345,000
Ark-La-Tex Financial Services LLC	Conventional	2	0.1%	100%	$210,000
Leaderone Financial Corp.	Conventional	2	0.1%	100%	$290,000
JMAC Lending, Inc.	FHA	2	0.1%	100%	$445,000
Valon Mortgage	FHA, HELOC	1 +4 HELOCs	0%	50%	$245,000
Georgia'S Own Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$35,000
Genisys Credit Union	Conventional	1	0%	100%	$405,000
Equity Resources Inc	FHA	1	0%	100%	$305,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$605,000	View
American Portfolio Mortgage Corporation	FHA	1	0%	100%	$305,000
Tidewater Mortgage Services, Inc	Conventional	1	0%	100%	$245,000
Hartford Funding, Ltd.	Conventional	1	0%	100%	$165,000
Guaranteed Rate Affinity, LLC	Conventional	1	0%	100%	$395,000
Msu Federal Credit Union	Conventional	1	0%	100%	$275,000
Zions Bancorporation, N.A. A+5.0 ★Texas Ratio: 3.72%	Conventional	1	0%	100%	$335,000	View
Royal United Mortgage LLC	Conventional	1	0%	100%	$115,000
Atlantic Coast Mortgage, LLC	Conventional	1	0%	100%	$265,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0%	100%	$365,000	View
Fourleaf Federal Credit Union	Conventional	1	0%	100%	$305,000
Primary Residential Mortgage, INC.	VA	1	0%	100%	$335,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0%	100%	$355,000	View
SWBC Mortgage Corporation	Conventional	1	0%	100%	$255,000
Carrollton Bank A+5.0 ★Texas Ratio: 3.58%	Conventional	1	0%	100%	$135,000	View
All Credit Considered Mortgage, Inc.	Conventional	1	0%	100%	$255,000
Gvc Mortgage, Inc.	Conventional	1	0%	100%	$715,000
Loansteady LLC	Conventional	1	0%	100%	$125,000
Allied Mortgage Group, Inc	FHA	1	0%	100%	$295,000
Norwich Commercial Group Inc	VA	1	0%	100%	$275,000
Washington Trust Bank A+5.0 ★Texas Ratio: 4.63%	Conventional	1	0%	100%	$115,000	View
United Trust Bank	VA	1	0%	100%	$335,000
Filo Mortgage, LLC	FHA	1	0%	100%	$285,000
Mortgage Capital Partners, INC	Conventional	1	0%	100%	$435,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0%	100%	$105,000
Emporium Tpo LLC	Conventional	1	0%	100%	$335,000
Bridgeway Lending Partners, LLC	Conventional	1	0%	100%	$195,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$265,000	View
Shelter Home Mortgage, LLC	VA	1	0%	100%	$355,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	100%	$365,000	View
Mortgage 1 Incorporated	Conventional	1	0%	100%	$215,000
PFN Lending Group, Inc.	FHA	1	0%	100%	$275,000
AAFMAA Mortgage Services LLC	VA	1	0%	50%	$345,000
Quorum Federal Credit Union	Conventional	1	0%	100%	$65,000
Trustone Financial Credit Union	Conventional	1	0%	100%	$75,000
Advisors Mortgage Group, LLC	FHA	1	0%	100%	$365,000
Absolute Home Mortgage	FHA	1	0%	100%	$475,000
GreenWay Bank A+5.0 ★Texas Ratio: 2.79%	Conventional	1	0%	100%	$415,000	View
Das Acquisition Company, LLC	Conventional	1	0%	50%	$255,000
Ross Mortgage Corporation	Conventional	1	0%	100%	$155,000
Network Funding, L.P.	Conventional	1	0%	100%	$245,000
JMJ Financial Group Inc.	Conventional	1	0%	100%	$405,000
Intercoastal Mortgage, LLC A+5.0 ★Texas Ratio: 0.40%	Conventional	1	0%	100%	$225,000	View
First Savings Mortgage Corporation	VA	1	0%	100%	$445,000
Oceanside Mortgage Company	FHA	1	0%	100%	$285,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional	1	0%	100%	$665,000
Bank Forward A5.0 ★Texas Ratio: 6.75%	Conventional	1	0%	100%	$255,000	View
American Federal Mortgage Corporation	Conventional	1	0%	100%	$155,000
SIRVA Mortgage, Inc.	VA	1	0%	100%	$275,000
Total Mortgage Services, LLC	Conventional	1	0%	100%	$355,000
Independent Bank A5.0 ★Texas Ratio: 6.46%	Conventional	1	0%	100%	$235,000	View
First Mid Bank and Trust, NA A+5.0 ★Texas Ratio: 3.88%	Conventional	1	0%	100%	$315,000	View
Picatinny Federal Credit Union	Conventional	1	0%	100%	$215,000
My Mortgage, Inc	FHA	1	0%	100%	$365,000
Ameritrust Mortgage Corporation	VA	1	0%	100%	$385,000
Univest Bank and Trust Co. A5.0 ★Texas Ratio: 6.10%	Conventional	1	0%	100%	$735,000	View
Stg Mortgage Inc	Conventional	1	0%	100%	$165,000
Capital Center LLC	Conventional	1	0%	50%	$465,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$195,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$265,000	View
Axos Bank A+5.0 ★Texas Ratio: 3.94%	Conventional	1	0%	100%	$405,000	View
Atlantic Bay Mortgage Group	Conventional	1	0%	100%	$235,000
Credence Funding Corporation	VA	1	0%	100%	$375,000
Truliant Federal Credit Union	Conventional	1	0%	100%	$295,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$315,000	View
Intelliloan, Inc.	FHA	1	0%	100%	$405,000
Nations Lending Corporation	Conventional	1	0%	100%	$195,000
Harborone Mortgage, LLC	Conventional	1	0%	100%	$265,000
Waterstone Mortgage Corporation	Conventional	1	0%	100%	$315,000
Unity Bank A5.0 ★Texas Ratio: 9.27%	Conventional	1	0%	100%	$455,000	View
Hometown Equity Mortgage, LLC	Conventional	1	0%	100%	$345,000
Wolfe Financial Inc	VA	1	0%	100%	$285,000
Communityamerica Federal Credit Union	VA	1	0%	100%	$325,000
American Pacific Mortgage Corporation	VA	1	0%	50%	$505,000
Union Savings Bank	Conventional	1	0%	100%	$615,000
New Fed Mortgage Corp.	Conventional	1	0%	100%	$155,000
Allegacy Federal Credit Union	Conventional	1	0%	100%	$775,000
Member First Mortgage, LLC	Conventional	1	0%	100%	$205,000
Ardri LLC	Conventional, Jumbo	1	0%	100%	$845,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0%	100%	$195,000	View
DFCU Financial	Conventional	1	0%	100%	$215,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	100%	$155,000	View
Geo-Corp, Inc.	FHA	1	0%	100%	$285,000
TowneBank	FHA	1	0%	100%	$285,000
Northrop Grumman Federal Credit Union	Conventional	1	0%	100%	$105,000
Summit Mortgage Corporation	Conventional	1	0%	100%	$225,000
ClearEdge Lending LLC	Conventional	1	0%	100%	$195,000
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	1	0%	100%	$295,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0%	100%	$185,000
Continental Mortgage Bankers Inc	FHA	1	0%	100%	$215,000
Top Flite Financial, Inc.	FHA	1	0%	100%	$275,000
Polish & Slavic Federal Credit	Conventional	1	0%	100%	$155,000
Figure Lending LLC	HELOC	0 +16 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +9 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +6 HELOCs	0%	n/a
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	HELOC	0 +2 HELOCs	0%	n/a		View
Police and Fire Federal Credit Union	HELOC	0 +2 HELOCs	0%	0%
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	n/a		View
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union A-4.9 ★Texas Ratio: 16.71%	HELOC	0 +1 HELOCs	0%	n/a		View
Northwest Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Citizens Equity First Credit U	HELOC	0 +1 HELOCs	0%	n/a
Credit Union of Georgia A5.0 ★Texas Ratio: 6.55%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Palm Coast 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 Palm Coast, Florida

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

Types of Mortgage Lenders in Palm Coast, FL

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

Mortgage companies and brokers 180 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 66 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 37 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 103 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 91 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 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 38 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Palm Coast, FL

Independent mortgage companies closed 81.6 percent of home loans in Palm Coast, Florida in 2025, banks 10.2 percent and credit unions 8.2 percent. Coastal Loans, LLC was the largest mortgage company, Wells Fargo Bank NA the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 1 loans.

81.6%

Mortgage companies

10.2%

Banks

8.2%

Credit unions

24%

FHA loans

17%

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 Palm Coast, FL

Who is the largest mortgage lender in Palm Coast, FL?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Palm Coast, Florida with 35 loans, about 1.3 percent of the market. The largest lender headquartered in Florida was Southstate Bank, National Association with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Palm Coast, Florida, Cmg Mortgage Inc approved the highest share of completed applications in 2025 at 98.8 percent, against a 79.5 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 Palm Coast, FL mortgage lenders offer FHA, VA and USDA loans?

103 lenders closed FHA loans in Palm Coast, Florida in 2025, led by United Wholesale Mortgage with 100. 91 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.

Are credit unions and local banks included in this Palm Coast, FL lender list?

Yes. 66 banks and 37 credit unions closed home loans in Palm Coast, Florida in 2025, alongside 180 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 Palm Coast, FL ranked on this page?

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