☰

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 / Palmetto Bay

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Palmetto Bay, Florida

Content reviewed by

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

Palmetto Bay, Florida mortgage lenders include City National Bank of FloridaCity National Bank of Florida16475 S Dixie Hwy, Palmetto Bay, FL 33157A5.0 ★Texas Ratio: 7.12%, TD BankTD Bank14395 S Dixie Hwy, Palmetto Bay, FL 33176A+5.0 ★Texas Ratio: 3.71%, Wells Fargo Bank NAWells Fargo Bank NA14801 South Dixie Highway, Palmetto Bay, FL 33176A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Space Coast Credit UnionSpace Coast Credit Union20437 State Road 7, Boca Raton, FL 33498A+5.0 ★Texas Ratio: 5.37%, Educational Federal Credit UnionEducational Federal Credit Union16460 SW 304th St, Homestead, FL 33033 3260A+5.0 ★Texas Ratio: 2.35%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Citibank, NACitibank, NA18999 Biscayne Blvd, Aventura, FL 33180A+5.0 ★Texas Ratio: 2.82%, and US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%. 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 Palmetto Bay, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Palmetto Bay 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 Palmetto Bay, Florida

Market share is the lender's share of all home loans closed in Palmetto Bay, 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
City National Bank of Florida 1 office in Palmetto Bay 16475 S Dixie Hwy, Palmetto Bay, FL 33157 A5.0 ★Texas Ratio: 7.12%	Conventional, Jumbo	4	1.2%	100%	$3,742,500	View
TD Bank 1 office in Palmetto Bay 14395 S Dixie Hwy, Palmetto Bay, FL 33176 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	3 +10 HELOCs	0.9%	75%	$515,000	View
Wells Fargo Bank NA 2 offices in Palmetto Bay 14801 South Dixie Highway, Palmetto Bay, FL 33176 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	2	0.6%	100%	$1,000,000	View
JPMorgan Chase Bank, NA 500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	16	4.8%	94.1%	$908,750	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, Jumbo, HELOC	8 +21 HELOCs	2.4%	80%	$698,750	View
Educational Federal Credit Union 16460 SW 304th St, Homestead, FL 33033 3260 A+5.0 ★Texas Ratio: 2.35%	Conventional	7	2.1%	87.5%	$136,428	View
Regions Bank 360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	5 +7 HELOCs	1.5%	57.1%	$587,000	View
Truist Bank ★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	4 +11 HELOCs	1.2%	66.7%	$917,500	View
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	4 +4 HELOCs	1.2%	100%	$1,445,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.9%	75%	$878,333	View
Bank of America NA 460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	2 +27 HELOCs	0.6%	100%	$655,000	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	2 +3 HELOCs	0.6%	100%	$930,000	View
Power Financial Credit Union 14854 S Military Trl, Delray Beach, FL 33484 8153 A-4.9 ★Texas Ratio: 16.71%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.6%	100%	$795,000	View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.6%	100%	$690,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.6%	100%	$1,080,000	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	2 +1 HELOCs	0.6%	100%	$885,000	View
Amerant Mortgage LLC 3001 Aventura Blvd, Aventura, FL 33180 B+4.7 ★Texas Ratio: 18.65%	Conventional, Jumbo	2	0.6%	100%	$1,340,000	View
Miami Firefighters Federal Credit Union 1111 NW 7th St, Miami, FL 33136 A+5.0 ★Texas Ratio: 2.26%	Conventional	2	0.6%	66.7%	$95,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	1 +6 HELOCs	0.3%	100%	$875,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +5 HELOCs	0.3%	33.3%	$85,000	View
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +4 HELOCs	0.3%	100%	$325,000	View
Tropical Financial Credit Union 8947 W Atlantic Blvd, Coral Springs, FL 33071 A5.0 ★Texas Ratio: 6.93%	Conventional, HELOC	1 +3 HELOCs	0.3%	100%	$65,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.3%	100%	$155,000	View
International Finance Bank 777 Sw 37th Ave, Miami, FL 33135 A+5.0 ★Texas Ratio: 3.03%	Conventional, Jumbo	1	0.3%	100%	$845,000	View
Connectone Bank 625 N Flagler Dr, West Palm Beach, FL 33401 A+5.0 ★Texas Ratio: 4.58%	Conventional, Jumbo	1	0.3%	100%	$865,000	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	1	0.3%	33.3%	$1,505,000	View
BMO Harris Bank NA 5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo	1	0.3%	50%	$1,155,000	View
Valley National Bank 19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0.3%	50%	$175,000	View
Bradesco Bank 3011 Ponce De Leon Boulevard Ph1, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 1.32%	Conventional, Jumbo	1	0.3%	50%	$1,125,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +8 HELOCs	0%	0%		View
Amerant Bank, N.A. 3001 Aventura Blvd, Aventura, FL 33180 B+4.7 ★Texas Ratio: 18.65%	HELOC	0 +5 HELOCs	0%	n/a		View
Dade County Federal Credit Union 20295 S Dixie Hwy, Cutler Bay, FL 33189 1207 A+5.0 ★Texas Ratio: 1.61%	HELOC	0 +4 HELOCs	0%	n/a		View
First American Bank 540 Biltmore Way, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +3 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%	n/a		View
Tyndall Federal Credit Union 1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96%	HELOC	0 +1 HELOCs	0%	n/a		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
BrightStar Credit Union 600 SE 3rd Ave, Fort Lauderdale, FL 33301 A+5.0 ★Texas Ratio: 4.57%	HELOC	0 +1 HELOCs	0%	n/a		View
The Central Trust Bank 3701 Tamiami Trl N, Naples, FL 34103 A+5.0 ★Texas Ratio: 3.12%	HELOC	0 +1 HELOCs	0%	n/a		View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	HELOC	0 +1 HELOCs	0%	0%		View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	15	4.5%	78.9%	$920,333	View
Reliable Holdings Manager dba Lendz Financial	Conventional, Jumbo	3	0.9%	100%	$868,333
Freedom Mortgage Corporation	Conventional	2	0.6%	50%	$570,000
First Equity Mortgage Bankers Inc.	Conventional, Jumbo	2	0.6%	100%	$560,000
Ready Mortgage Lenders, LLC	Conventional	1	0.3%	50%	$545,000
Lennar Mortgage, LLC	FHA	1	0.3%	100%	$635,000
Home Financing Center, Inc.	Conventional	1	0.3%	100%	$565,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	39 +1 HELOCs	11.6%	78%	$496,794
United Wholesale Mortgage	Conventional, VA, Jumbo, HELOC	35 +5 HELOCs	10.4%	90%	$815,571
Pennymac Loan Services LLC	Conventional, Jumbo	21	6.2%	77.8%	$688,809
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional	7	2.1%	46.7%	$355,000	View
loanDepot.com LLC	Conventional, FHA, HELOC	6 +2 HELOCs	1.8%	85.7%	$345,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, Jumbo, HELOC	6 +2 HELOCs	1.8%	100%	$1,140,000	View
Deephaven Mortgage LLC	Conventional, Jumbo	6	1.8%	85.7%	$1,155,000
Paramount Residential Mortgage	Conventional, Jumbo	6	1.8%	85.7%	$838,333
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	5 +1 HELOCs	1.5%	100%	$1,923,000
The Loan Store, Inc	Conventional, Jumbo, HELOC	4 +4 HELOCs	1.2%	100%	$1,022,500
Spring Eq, LLC	Conventional, HELOC	4 +2 HELOCs	1.2%	57.1%	$82,500
CrossCountry Mortgage, LLC	Conventional, Jumbo, HELOC	4 +1 HELOCs	1.2%	80%	$860,000
Kind Lending, LLC	Conventional, FHA, Jumbo	4	1.2%	80%	$575,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, Jumbo	4	1.2%	100%	$482,500	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.9%	100%	$1,598,333	View
HomeXpress Mortgage Corp.	Conventional, Jumbo	3	0.9%	60%	$1,058,333
Geneva Financial LLC	Conventional, Jumbo	3	0.9%	100%	$625,000
Nexera Holding LLC	Conventional, Jumbo	3	0.9%	75%	$1,448,333
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	2	0.6%	100%	$830,000
Guaranteed Rate, Inc.	Conventional	2	0.6%	100%	$385,000
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional	2	0.6%	100%	$720,000	View
American Financial Network, Inc.	Conventional, Jumbo	2	0.6%	100%	$945,000
Planet Home Lending, LLC	Conventional, VA, Jumbo	2	0.6%	100%	$1,130,000
Belem Servicing, LLC dba Patriot Home Mortgage	Conventional	2	0.6%	100%	$695,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.6%	100%	$390,000	View
Nationstar Mortgage	Conventional, FHA	2	0.6%	28.6%	$585,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	2	0.6%	100%	$1,205,000	View
Citadel Servicing Corporation	Conventional, Jumbo	2	0.6%	100%	$2,105,000
Fairway Independent Mort Corp	Conventional, Jumbo	2	0.6%	100%	$820,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, VA, Jumbo	2	0.6%	66.7%	$825,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional, Jumbo	2	0.6%	100%	$1,250,000	View
Champions Funding, LLC	Conventional	2	0.6%	66.7%	$480,000
Synovus Bank	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.3%	100%	$1,005,000
Better Mortgage Corporation	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.3%	100%	$1,325,000
Arc Home LLC	Conventional	1	0.3%	100%	$285,000
American Financial Resources LLC	Conventional	1	0.3%	100%	$195,000
Fundloans Capital	Conventional, Jumbo	1	0.3%	100%	$4,185,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	1	0.3%	100%	$1,675,000	View
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.3%	100%	$645,000
Everett Financial, Inc.	FHA	1	0.3%	100%	$655,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.3%	100%	$625,000
Filo Mortgage, LLC	Conventional	1	0.3%	100%	$255,000
Resicentral LLC	Conventional	1	0.3%	100%	$635,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, Jumbo	1	0.3%	33.3%	$965,000	View
Discover Bank	Conventional	1	0.3%	33.3%	$245,000
Sun West Mortgage Company, Inc	Conventional	1	0.3%	100%	$805,000
Flexpoint, Inc.	Conventional	1	0.3%	100%	$675,000
Network Capital Funding Corporation	Conventional, Jumbo	1	0.3%	100%	$1,005,000
CorePlus Federal Credit Union	Conventional	1	0.3%	100%	$135,000
American Heritage Lending, LLC	Conventional, Jumbo	1	0.3%	100%	$825,000
Total Mortgage Services, LLC	Conventional	1	0.3%	100%	$645,000
Nfm, Inc	Conventional	1	0.3%	100%	$655,000
Point Mortgage Corp	FHA	1	0.3%	100%	$645,000
Cardinal Financial Company, Li	Conventional	1	0.3%	100%	$505,000
Northbrook Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.98%	Conventional, Jumbo	1	0.3%	100%	$945,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	1	0.3%	100%	$825,000	View
Mortgage Research Center	VA, Jumbo	1	0.3%	100%	$915,000
Towne Mortgage Company	Conventional	1	0.3%	100%	$705,000
Summit Funding.Inc	Conventional	1	0.3%	100%	$675,000
Zillow Home Loans, LLC	VA	1	0.3%	100%	$705,000
Prosperity Home Mortgage, LLC	Conventional	1	0.3%	100%	$515,000
Mutual of Omaha Mortgage	Conventional, Jumbo	1	0.3%	100%	$885,000
Heritage Bank NA C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0.3%	100%	$745,000	View
Stanford Federal Credit Union	Conventional, Jumbo	1	0.3%	100%	$935,000
Consumers Credit Union	Conventional, Jumbo	1	0.3%	100%	$1,005,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, Jumbo	1	0.3%	100%	$1,235,000	View
Vista Point Mortgage, LLC	Conventional, Jumbo	1	0.3%	100%	$1,335,000
Cake Mortgage Corp.	Conventional, Jumbo	1	0.3%	100%	$755,000
JMAC Lending, Inc.	Conventional	1	0.3%	100%	$135,000
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +6 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +4 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +3 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Delta Community Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Allegacy Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	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.

Palmetto Bay 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 Palmetto Bay, Florida

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

Types of Mortgage Lenders in Palmetto Bay, FL

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

Mortgage companies and brokers 64 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 43 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 20 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 7 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 7 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 64 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 25 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Palmetto Bay, FL

Independent mortgage companies closed 68.5 percent of home loans in Palmetto Bay, Florida in 2025, banks 24.7 percent and credit unions 6.8 percent. A&D Mortgage LLC was the largest mortgage company, City National Bank of Florida the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, City National Bank of Florida led with 4 loans.

68.5%

Mortgage companies

24.7%

Banks

6.8%

Credit unions

FHA loans

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 Palmetto Bay, FL

Who is the largest mortgage lender in Palmetto Bay, FL?

By home loans closed in 2025, City National Bank of Florida was the largest mortgage lender in Palmetto Bay, Florida with 4 loans, about 1.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Palmetto Bay, FL mortgage lenders offer FHA, VA and USDA loans?

7 lenders closed FHA loans in Palmetto Bay, Florida in 2025, led by Rocket Mortgage with 2. 7 lenders closed VA loans, led by United Wholesale Mortgage. 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 Palmetto Bay, FL lender list?

Yes. 43 banks and 20 credit unions closed home loans in Palmetto Bay, Florida in 2025, alongside 64 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 Palmetto Bay, FL ranked on this page?

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