☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Florida / Palm Harbor

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Palm Harbor, Florida

Content reviewed by

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

Palm Harbor, Florida mortgage lenders include Regions BankRegions Bank2755 US 19 Alt, Palm Harbor, FL 34683A+5.0 ★Texas Ratio: 4.37%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1027 Nebraska Ave, Palm Harbor, FL 34683A+5.0 ★Texas Ratio: 3.22%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2800 Alternate 19, Palm Harbor, FL 34683A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA33451 Us Highway 19 N, Palm Harbor, FL 34684A+5.0 ★Texas Ratio: 4.14%, Southstate Bank, National AssociationSouthstate Bank, National Association35320 Us Highway 19 N, Palm Harbor, FL 34684A+5.0 ★Texas Ratio: 2.27%, Wells Fargo Bank NAWells Fargo Bank NA4949 Ridgemoor Blvd, Palm Harbor, FL 34685A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank3500 E Lake Rd, Palm Harbor, FL 34685A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.32491 Us Highway 19 N, Palm Harbor, FL 34684A+5.0 ★Texas Ratio: 4.24%, Huntington National BankHuntington National Bank8889 Pelican Bay Blvd, Naples, FL 34108A+5.0 ★Texas Ratio: 3.66%, and Achieva Credit UnionAchieva Credit Union3446 E Lake Rd, Palm Harbor, FL 34685A+5.0 ★Texas Ratio: 2.57%. 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 Harbor, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Palm Harbor 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 Harbor, Florida

Market share is the lender's share of all home loans closed in Palm Harbor, 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
Regions Bank 2 offices in Palm Harbor 2755 US 19 Alt, Palm Harbor, FL 34683 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	23 +37 HELOCs	2.3%	78.8%	$159,347	View
Fifth Third Bank, National Association 2 offices in Palm Harbor 1027 Nebraska Ave, Palm Harbor, FL 34683 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, HELOC	11 +27 HELOCs	1.1%	80%	$252,272	View
JPMorgan Chase Bank, NA 4 offices in Palm Harbor 2800 Alternate 19, Palm Harbor, FL 34683 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	11 +1 HELOCs	1.1%	75%	$339,545	View
Bank of America NA 1 office in Palm Harbor 33451 Us Highway 19 N, Palm Harbor, FL 34684 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +38 HELOCs	0.7%	70%	$340,714	View
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Palm Harbor 35320 Us Highway 19 N, Palm Harbor, FL 34684 A+5.0 ★Texas Ratio: 2.27%	Conventional, VA, HELOC	6 +2 HELOCs	0.6%	100%	$156,666	View
Wells Fargo Bank NA 2 offices in Palm Harbor 4949 Ridgemoor Blvd, Palm Harbor, FL 34685 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	6	0.6%	85.7%	$426,666	View
Truist Bank ★ 1 stars, 1 review 3 offices in Palm Harbor 3500 E Lake Rd, Palm Harbor, FL 34685 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	5 +27 HELOCs	0.5%	60%	$359,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Palm Harbor 32491 Us Highway 19 N, Palm Harbor, FL 34684 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +12 HELOCs	0.1%	100%	$565,000	View
Huntington National Bank 1 office in Palm Harbor 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$155,000	View
Achieva Credit Union 3446 E Lake Rd, Palm Harbor, FL 34685 A+5.0 ★Texas Ratio: 2.57%	Conventional, HELOC	15 +64 HELOCs	1.5%	71.4%	$235,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	14 +19 HELOCs	1.4%	70%	$190,714	View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	Conventional, HELOC	11 +3 HELOCs	1.1%	84.6%	$295,000	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	9 +5 HELOCs	0.9%	81.8%	$166,111	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	7 +2 HELOCs	0.7%	63.6%	$310,714	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	6 +16 HELOCs	0.6%	75%	$251,666	View
Republic Bank & Trust 12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91%	Conventional, HELOC	4 +6 HELOCs	0.4%	100%	$290,000	View
The Bank of Tampa 10650 Boardwalk Loop, Bradenton, FL 34202 A+5.0 ★Texas Ratio: 2.04%	Conventional, Jumbo	4	0.4%	100%	$382,500	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.3%	100%	$498,333	View
Grow Financial Federal Credit Union 11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70%	Conventional	3	0.3%	100%	$205,000	View
American Momentum Bank 1001 S Fort Harrison Ave, Clearwater, FL 33756 A5.0 ★Texas Ratio: 12.55%	Conventional	2	0.2%	100%	$225,000	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$35,000	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	1 +4 HELOCs	0.1%	50%	$1,505,000	View
Valley National Bank 3412 E Lake Rd, Palm Harbor, FL 34685 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	1 +3 HELOCs	0.1%	100%	$2,005,000	View
Floridacentral Credit Union 701 9th St W, Bradenton, FL 34205 8656 A+5.0 ★Texas Ratio: 5.46%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$35,000	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%	50%	$675,000	View
Trustco Bank ★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	50%	$655,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	100%	$505,000	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	1	0.1%	50%	$85,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$105,000	View
Central Bank 2300 N Ponce De Leon Blvd, Saint Augustine, FL 32084 A+5.0 ★Texas Ratio: 3.12%	Conventional, Jumbo	1	0.1%	100%	$2,265,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional	1	0.1%	50%	$65,000	View
First Southern Bank 612 E Hathaway Avenue, Bronson, FL 32621 F1.0 ★Texas Ratio: 85.21%	Conventional	1	0.1%	100%	$205,000	View
Flagship Bank 27950 Us Highway 19 North, Clearwater, FL 33761 A+5.0 ★Texas Ratio: 0.10%	Conventional, Jumbo	1	0.1%	100%	$2,285,000	View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	100%	$525,000	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	1	0.1%	100%	$1,725,000	View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	Conventional	1	0.1%	100%	$305,000	View
Metro City Bank 6202 Commerce Palms Dr, Tampa, FL 33647 A+5.0 ★Texas Ratio: 3.17%	Conventional	1	0.1%	100%	$175,000	View
Partners Federal Credit Union 5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +1 HELOCs	0%	n/a		View
Commerce Bank 10010 Coconut Rd, Bonita Springs, FL 34135 A+5.0 ★Texas Ratio: 0.89%	HELOC	0 +1 HELOCs	0%	n/a		View
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +1 HELOCs	0%	n/a		View
Freedom Mortgage Corporation	Conventional, FHA, VA	16	1.6%	94.4%	$336,250
Acrisure Mortgage, LLC	Conventional, FHA, VA	7	0.7%	100%	$286,428
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	6	0.6%	87.5%	$348,333	View
The Mortgage Firm	Conventional, FHA	5	0.5%	100%	$331,000
New Day Financial, LLC.	VA	3	0.3%	42.9%	$358,333
Bayfirst Financial A5.0 ★Texas Ratio: 10.20%	Conventional, HELOC	2 +4 HELOCs	0.2%	100%	$105,000	View
Lakeview Loan Servicing, LLC	FHA	2	0.2%	16.7%	$420,000
Alkan Mortgage Corporation	Conventional, VA	2	0.2%	100%	$430,000
PHH Mortgage Corporation	Conventional, FHA	2	0.2%	66.7%	$415,000
LoanFlight Lending, LLC.	Conventional	1	0.1%	100%	$405,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo	102	10.4%	77.6%	$281,568
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	90 +1 HELOCs	9.2%	83.2%	$364,444
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA, Jumbo	37	3.8%	79.6%	$317,162	View
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	33 +4 HELOCs	3.4%	97.1%	$380,151
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	27 +3 HELOCs	2.7%	100%	$433,148
Pennymac Loan Services LLC	Conventional, FHA, VA	24	2.4%	86.2%	$342,500
DHI Mortgage Company, LTD.	Conventional, FHA	20	2%	100%	$321,000
Kind Lending, LLC	Conventional, FHA, VA	19	1.9%	82.6%	$393,947
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	17 +4 HELOCs	1.7%	65.4%	$297,352
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA, VA, Jumbo, HELOC	16 +1 HELOCs	1.6%	94.1%	$375,625	View
Nationstar Mortgage	Conventional, FHA	16	1.6%	88.9%	$171,875
Fairway Independent Mort Corp	Conventional, FHA	16	1.6%	100%	$274,375
Mortgage Research Center	Conventional, VA, Jumbo	14	1.4%	66.7%	$430,714
Everett Financial, Inc.	Conventional, FHA, VA, HELOC	12 +1 HELOCs	1.2%	92.3%	$303,333
Top Flite Financial, Inc.	Conventional, FHA	11	1.1%	100%	$354,090
loanDepot.com LLC	Conventional, FHA, VA, HELOC	10 +1 HELOCs	1%	68.8%	$307,000
Nfm, Inc	Conventional, FHA, VA	10	1%	100%	$283,000
Guild Mortgage Company	Conventional, FHA, VA	9	0.9%	100%	$279,444
American Financial Network, Inc.	Conventional, VA	8	0.8%	88.9%	$343,750
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, Jumbo	8	0.8%	90.9%	$411,250	View
Cardinal Financial Company, Li	Conventional, FHA, VA, Jumbo	8	0.8%	100%	$456,250
The Loan Store, Inc	Conventional, FHA, HELOC	7 +5 HELOCs	0.7%	87.5%	$400,714
Union Home Mortgage Corp.	Conventional, FHA, HELOC	7 +2 HELOCs	0.7%	100%	$363,571
Mutual of Omaha Mortgage	Conventional, HELOC	7 +1 HELOCs	0.7%	87.5%	$477,857
Guaranteed Rate, Inc.	Conventional, FHA, VA	7	0.7%	87.5%	$332,142
American Pacific Mortgage Corporation	Conventional	7	0.7%	100%	$336,428
Spring Eq, LLC	Conventional, Jumbo, HELOC	5 +3 HELOCs	0.5%	37.5%	$173,000
New American Funding, LLC.	Conventional, FHA, HELOC	5 +1 HELOCs	0.5%	71.4%	$379,000
Amerisave Mortgage Company	Conventional, FHA	5	0.5%	50%	$131,000
Legend Lending Corporation	Conventional, VA	5	0.5%	100%	$391,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA, Jumbo	5	0.5%	71.4%	$551,000	View
Provident Funding Associates	Conventional	5	0.5%	83.3%	$383,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	5	0.5%	100%	$841,000	View
Paramount Residential Mortgage	Conventional, FHA, VA	5	0.5%	83.3%	$329,000
Cornerstone First Mortgage, LLC	Conventional, FHA, VA	4	0.4%	100%	$262,500
Guaranteed Rate Affinity, LLC	Conventional	4	0.4%	80%	$285,000
Equity Prime Mortgage LLC	FHA	4	0.4%	80%	$205,000
Resicentral LLC	Conventional	4	0.4%	80%	$235,000
VanDyk Mortgage Corporation	Conventional	4	0.4%	100%	$350,000
Homeowners Financial Group, LLC	Conventional, FHA	4	0.4%	80%	$377,500
BoxCar Mortgage, LLC	Conventional, FHA	4	0.4%	100%	$425,000
Zillow Home Loans, LLC	Conventional, FHA	4	0.4%	100%	$362,500
Plaza Home Mortgage, Inc	Conventional, VA	4	0.4%	50%	$295,000
JMAC Lending, Inc.	Conventional, VA	4	0.4%	100%	$472,500
AdvantageFirst Lending Inc	Conventional, FHA, VA	3	0.3%	75%	$435,000
Discover Bank	Conventional	3	0.3%	25%	$141,666
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.3%	60%	$248,333	View
Better Mortgage Corporation	Conventional	3	0.3%	60%	$348,333
Iserve Residential Lending	Conventional, VA	3	0.3%	100%	$305,000
ClearEdge Lending LLC	Conventional	3	0.3%	60%	$285,000
21St Mortgage	Conventional	3	0.3%	50%	$128,333
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.3%	75%	$75,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	3	0.3%	100%	$198,333	View
Leaderone Financial Corp.	Conventional	3	0.3%	100%	$381,666
Tomo Mortgage LLC	Conventional	3	0.3%	100%	$351,666
Valon Mortgage	Conventional, HELOC	2 +3 HELOCs	0.2%	100%	$280,000
Synovus Bank	Conventional, FHA, HELOC	2 +2 HELOCs	0.2%	100%	$130,000
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	Conventional, Jumbo	2	0.2%	100%	$680,000	View
Primelending	Conventional	2	0.2%	100%	$340,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	2	0.2%	100%	$560,000	View
Go Mortgage, LLC	Conventional	2	0.2%	66.7%	$320,000
MortgageOne, Inc	Conventional	2	0.2%	100%	$370,000
Nbkc Bank	Conventional, VA	2	0.2%	100%	$520,000
AmWest Funding Corp	Conventional	2	0.2%	100%	$440,000
Preferred Lending Services, LLC	Conventional	2	0.2%	100%	$265,000
Securitynational Mortgage Company	Conventional	2	0.2%	66.7%	$505,000
First Heritage Mortgage, LLC	Conventional	2	0.2%	100%	$230,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	2	0.2%	100%	$405,000	View
New Fed Mortgage Corp.	Conventional	2	0.2%	100%	$305,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.2%	100%	$240,000	View
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	FHA	2	0.2%	33.3%	$310,000	View
Vista Point Mortgage, LLC	Conventional	2	0.2%	100%	$320,000
Village Capital & Investment	FHA, VA	2	0.2%	71.4%	$350,000
Pentagon Federal Credit Union	VA, Jumbo, HELOC	1 +3 HELOCs	0.1%	50%	$815,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$755,000	View
DFCU Financial	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$955,000
Teachers Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$45,000
Bank Ozk	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,405,000
Citadel Federal Credit Union	Conventional	1	0.1%	100%	$205,000
EMM Loans LLC	FHA	1	0.1%	33.3%	$535,000
Originpoint, LLC	Conventional	1	0.1%	100%	$365,000
First Community Mortgage, Inc.	Conventional	1	0.1%	100%	$405,000
Generations Bank A5.0 ★Texas Ratio: 10.01%	Conventional	1	0.1%	100%	$615,000	View
American Financial Resources LLC	Conventional	1	0.1%	100%	$415,000
1St Priority Mortgage, Inc.	Conventional	1	0.1%	100%	$225,000
Neighborhood Loans, Inc	Conventional	1	0.1%	100%	$15,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$205,000	View
Atlantic Union Bank A+5.0 ★Texas Ratio: 2.51%	VA	1	0.1%	100%	$765,000	View
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional	1	0.1%	100%	$245,000	View
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$115,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$465,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$105,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$385,000
First Farmers Bank & Trust A5.0 ★Texas Ratio: 7.53%	Conventional	1	0.1%	100%	$805,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$345,000
5Th Sreet Capital Inc.	Conventional	1	0.1%	100%	$225,000
Deephaven Mortgage LLC	Conventional	1	0.1%	50%	$545,000
Emporium Tpo LLC	Conventional	1	0.1%	100%	$355,000
Mazuma Credit Union	Conventional	1	0.1%	100%	$725,000
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	VA	1	0.1%	100%	$705,000	View
Acre Mortgage & Financial, Inc.	Conventional	1	0.1%	100%	$335,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	50%	$495,000	View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	VA	1	0.1%	100%	$225,000	View
HomeXpress Mortgage Corp.	FHA	1	0.1%	50%	$335,000
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$355,000
Sfmc, LP	Conventional	1	0.1%	100%	$765,000
Royal Pacific Funding	Conventional	1	0.1%	100%	$585,000
Network Funding, L.P.	Conventional	1	0.1%	100%	$285,000
Northwest Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Jlb Corporation dba Golden Oak Lending	Conventional	1	0.1%	100%	$395,000
Ez Fundings Inc	Conventional	1	0.1%	100%	$365,000
Select Lending Services, LLC	Conventional	1	0.1%	100%	$465,000
Click n' Close, Inc.	Conventional	1	0.1%	100%	$475,000
Acu	Conventional	1	0.1%	100%	$525,000
American Federal Mortgage Corporation	Conventional	1	0.1%	100%	$195,000
Bay Equity LLC	Conventional	1	0.1%	100%	$175,000
SIRVA Mortgage, Inc.	Conventional	1	0.1%	100%	$665,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$305,000
American Heritage Lending, LLC	Conventional, Jumbo	1	0.1%	66.7%	$1,205,000
Ameritrust Mortgage Corporation	FHA	1	0.1%	100%	$355,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$405,000
Premium Mortgage Corporation	Conventional	1	0.1%	100%	$275,000
Bank of Tennessee A+5.0 ★Texas Ratio: 4.09%	Conventional	1	0.1%	100%	$195,000	View
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$205,000	View
Atlantic Bay Mortgage Group	Conventional	1	0.1%	100%	$345,000
Peoples Mortgage Company	Conventional	1	0.1%	100%	$605,000
The Equitable Mortgage Corporation	Conventional	1	0.1%	100%	$485,000
Planet Home Lending, LLC	Conventional	1	0.1%	50%	$245,000
Embrace Home Loans, Inc.	Conventional	1	0.1%	100%	$125,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$425,000	View
Waterstone Mortgage Corporation	FHA	1	0.1%	100%	$345,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	33.3%	$325,000
Together Credit Union A+5.0 ★Texas Ratio: 4.25%	Conventional	1	0.1%	100%	$225,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$365,000
Union Savings Bank	Conventional	1	0.1%	100%	$825,000
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	Conventional	1	0.1%	100%	$85,000	View
Saygo Home Loans, LLC	Conventional	1	0.1%	100%	$315,000
Lake Michigan Credit Union	Conventional	1	0.1%	100%	$405,000
Towne Mortgage Company	Conventional	1	0.1%	100%	$155,000
Radius Financial Group Inc	Conventional	1	0.1%	100%	$555,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$255,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$375,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$475,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$495,000	View
Prosperity Home Mortgage, LLC	VA	1	0.1%	100%	$265,000
Red River Bank A+5.0 ★Texas Ratio: 0.70%	Conventional	1	0.1%	100%	$405,000	View
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0.1%	100%	$665,000	View
Staunton Financial Inc	VA	1	0.1%	100%	$405,000
Frandsen Bank & Trust A+5.0 ★Texas Ratio: 5.91%	Conventional	1	0.1%	100%	$455,000	View
Ark-La-Tex Financial Services LLC	FHA	1	0.1%	100%	$205,000
Gershman Investment Corp.	FHA	1	0.1%	100%	$525,000
Champions Funding, LLC	Conventional	1	0.1%	25%	$545,000
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$155,000
Figure Lending LLC	HELOC	0 +13 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +6 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +5 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Cadence Bank	HELOC	0 +2 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Fed Ex Employees Credit Association	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
RBC Bank (Georgia), N.A.	HELOC	0 +1 HELOCs	0%	n/a
Blaze Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Angel Oak Mortgage Solutions LLC	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.

Palm Harbor 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 Harbor, Florida

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

Types of Mortgage Lenders in Palm Harbor, FL

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

Mortgage companies and brokers 126 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 63 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 27 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 40 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 26 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 26 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Palm Harbor, FL

Independent mortgage companies closed 75.1 percent of home loans in Palm Harbor, Florida in 2025, banks 17.1 percent and credit unions 7.8 percent. Triad Financial Services, Inc. was the largest mortgage company, Regions Bank the largest bank and Achieva Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 6 loans.

75.1%

Mortgage companies

17.1%

Banks

7.8%

Credit unions

13%

FHA loans

10%

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 Harbor, FL

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

By home loans closed in 2025, Regions Bank was the largest mortgage lender in Palm Harbor, Florida with 23 loans, about 2.3 percent of the market. The largest lender headquartered in Florida was Southstate Bank, National Association with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Palm Harbor, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 83.2 percent, against a 81.1 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 Harbor, FL mortgage lenders offer FHA, VA and USDA loans?

48 lenders closed FHA loans in Palm Harbor, Florida in 2025, led by United Wholesale Mortgage with 18. 40 lenders closed VA loans, led by Mortgage Research Center. 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 Harbor, FL lender list?

Yes. 63 banks and 27 credit unions closed home loans in Palm Harbor, Florida in 2025, alongside 126 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 Harbor, FL ranked on this page?

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