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Mortgage Lenders and Brokers in Plant City, Florida

Content reviewed by

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

Plant City, Florida mortgage lenders include Bank of America NABank of America NA2309 James L Redman Pkwy, Plant City, FL 33563A+5.0 ★Texas Ratio: 4.14%, The Bank of TampaThe Bank of Tampa509 W Alexander St, Plant City, FL 33563A+5.0 ★Texas Ratio: 2.04%, Bank Of Central FloridaBank Of Central Florida409 N Alexander St, Plant City, FL 33563A+5.0 ★Texas Ratio: 1.81%, Citizens Bank and TrustCitizens Bank and Trust1803 James L Redman Pkwy Ste A, Plant City, FL 33563D2.1 ★Texas Ratio: 5.22%, Regions BankRegions Bank2303 Thonotosassa Rd, Plant City, FL 33563A+5.0 ★Texas Ratio: 4.37%, Truist BankTruist Bank2318 James L Redman Pkwy, Plant City, FL 33563A+5.0 ★Texas Ratio: 2.87%, Southstate Bank, National AssociationSouthstate Bank, National Association102 W Baker St, Plant City, FL 33563A+5.0 ★Texas Ratio: 2.27%, TD BankTD Bank308 W Alexander Street, Plant City, FL 33563A+5.0 ★Texas Ratio: 3.71%, Centennial BankCentennial Bank1907 James L Redman Pkwy, Plant City, FL 33563A+5.0 ★Texas Ratio: 3.14%, and Suncoast Credit UnionSuncoast Credit Union1905 S Alexander St, Plant City, FL 33566A5.0 ★Texas Ratio: 6.26%. 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 Plant City, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Plant City 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 Plant City, Florida

Market share is the lender's share of all home loans closed in Plant City, 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
Bank of America NA 1 office in Plant City 2309 James L Redman Pkwy, Plant City, FL 33563 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	4 +7 HELOCs	0.3%	66.7%	$192,500	View
The Bank of Tampa 1 office in Plant City 509 W Alexander St, Plant City, FL 33563 A+5.0 ★Texas Ratio: 2.04%	Conventional	4	0.3%	100%	$140,000	View
Bank Of Central Florida 1 office in Plant City 409 N Alexander St, Plant City, FL 33563 A+5.0 ★Texas Ratio: 1.81%	Conventional	3	0.2%	100%	$338,333	View
Citizens Bank and Trust 1 office in Plant City 1803 James L Redman Pkwy Ste A, Plant City, FL 33563 D2.1 ★Texas Ratio: 5.22%	Conventional, Jumbo	3	0.2%	100%	$881,666	View
Regions Bank 1 office in Plant City 2303 Thonotosassa Rd, Plant City, FL 33563 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	2 +8 HELOCs	0.1%	30%	$195,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Plant City 2318 James L Redman Pkwy, Plant City, FL 33563 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	2 +8 HELOCs	0.1%	50%	$220,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Plant City 102 W Baker St, Plant City, FL 33563 A+5.0 ★Texas Ratio: 2.27%	Conventional, HELOC	2 +5 HELOCs	0.1%	33.3%	$570,000	View
TD Bank 1 office in Plant City 308 W Alexander Street, Plant City, FL 33563 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	2 +1 HELOCs	0.1%	50%	$115,000	View
Centennial Bank 1 office in Plant City 1907 James L Redman Pkwy, Plant City, FL 33563 A+5.0 ★Texas Ratio: 3.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$315,000	View
Suncoast Credit Union 1905 S Alexander St, Plant City, FL 33566 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	28 +78 HELOCs	2%	87.5%	$261,071	View
Midflorida Credit Union ★ 1 stars, 1 review 2903 James L Redman Pkwy, Plant City, FL 33566 A+5.0 ★Texas Ratio: 3.18%	Conventional, Jumbo, HELOC	18 +6 HELOCs	1.3%	41.9%	$366,666	View
Gte Federal Credit Union 2201 James L Redman Pkwy, Plant City, FL 33563 A5.0 ★Texas Ratio: 7.65%	Conventional, FHA, HELOC	18 +4 HELOCs	1.3%	60%	$222,222	View
Triad Financial Services, Inc. 1701 W Baker St, Plant City, FL 33563 A+5.0 ★Texas Ratio: 5.93%	Conventional	13	0.9%	57.8%	$75,769	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +6 HELOCs	0.2%	60%	$218,333	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, HELOC	3 +1 HELOCs	0.2%	75%	$228,333	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	FHA, VA, HELOC	3 +1 HELOCs	0.2%	100%	$225,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional	3	0.2%	30%	$321,666	View
Publix Employees Federal Credit Union 482 E Altamonte Dr Ste 1010, Altamonte Springs, FL 32701 4604 A+5.0 ★Texas Ratio: 2.50%	Conventional	3	0.2%	75%	$321,666	View
JPMorgan Chase Bank, NA 500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$150,000	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41%	Conventional	2	0.1%	100%	$100,000	View
Grow Financial Federal Credit Union 11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70%	Conventional	2	0.1%	50%	$45,000	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$55,000	View
Trax Federal Credit Union 1701 W Baker St, Plant City, FL 33563 A+5.0 ★Texas Ratio: 5.93%	Conventional	1	0.1%	100%	$215,000	View
Tyndall Federal Credit Union 1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96%	Conventional	1	0.1%	100%	$5,000	View
Floridacentral Credit Union 701 9th St W, Bradenton, FL 34205 8656 A+5.0 ★Texas Ratio: 5.46%	Conventional	1	0.1%	100%	$75,000	View
Incrediblebank 2512 Skyline Blvd, Cape Coral, FL 33914 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	100%	$645,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +2 HELOCs	0%	n/a		View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +1 HELOCs	0%	n/a		View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	HELOC	0 +1 HELOCs	0%	n/a		View
Usf Credit Union 16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +1 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	n/a		View
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%	HELOC	0 +1 HELOCs	0%	n/a		View
Lennar Mortgage, LLC	Conventional, FHA, VA	191	13.7%	79.9%	$334,005
Freedom Mortgage Corporation	Conventional, FHA, VA	34	2.4%	71.2%	$334,117
Taylor Morrison Home Funding, Inc.	Conventional, FHA, VA	14	1%	73.7%	$451,428
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	13	0.9%	40.5%	$275,769
New Day Financial, LLC.	VA	4	0.3%	44.4%	$342,500
Acrisure Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$325,000
Americas Mortgage Professionals, LLC	Conventional	2	0.1%	100%	$390,000
American Bancshares Mortgage, LLC	Conventional	2	0.1%	100%	$125,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	33.3%	$415,000	View
LoanFlight Lending, LLC.	Conventional	1	0.1%	100%	$635,000
Metroplex Mortgage Services	USDA	1	0.1%	100%	$275,000
Bayfirst Financial A5.0 ★Texas Ratio: 10.20%	HELOC	0 +1 HELOCs	0%	0%		View
DHI Mortgage Company, LTD.	Conventional, FHA, VA	259	18.6%	87.6%	$343,880
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	175 +4 HELOCs	12.6%	88.5%	$334,485
Rocket Mortgage	Conventional, FHA, VA	88	6.3%	76.9%	$223,863
loanDepot.com LLC	Conventional, FHA, VA	31	2.2%	79.5%	$292,096
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	25 +1 HELOCs	1.8%	92.6%	$335,400
Kind Lending, LLC	Conventional, FHA, VA	19	1.4%	80%	$283,421
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA, VA	17	1.2%	77.3%	$275,588
Cardinal Financial Company, Li	Conventional, FHA, VA	14	1%	88.2%	$326,428
Fairway Independent Mort Corp	Conventional, FHA	14	1%	87.5%	$290,000
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	13	0.9%	56.5%	$245,000	View
Pennymac Loan Services LLC	Conventional, FHA, VA	12	0.9%	56.5%	$307,500
Nationstar Mortgage	Conventional, VA	11	0.8%	84.6%	$125,000
Guild Mortgage Company	Conventional, FHA	10	0.7%	90.9%	$243,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	FHA, VA, USDA	10	0.7%	100%	$307,000	View
Union Home Mortgage Corp.	Conventional, FHA, VA	10	0.7%	90.9%	$262,000
Mortgage Research Center	FHA, VA	10	0.7%	52.4%	$424,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	9 +5 HELOCs	0.6%	75%	$211,666
Movement Mortgage, LLC	Conventional, FHA, HELOC	9 +1 HELOCs	0.6%	100%	$297,222
Point Mortgage Corp	Conventional, FHA	9	0.6%	100%	$269,444
Paramount Residential Mortgage	Conventional, FHA	9	0.6%	90%	$319,444
Guaranteed Rate, Inc.	Conventional, FHA, VA	8	0.6%	72.7%	$245,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	8	0.6%	81.8%	$273,750
Amerisave Mortgage Company	Conventional, FHA	8	0.6%	40%	$81,250
Gershman Investment Corp.	Conventional, FHA	8	0.6%	100%	$203,750
Equity Prime Mortgage LLC	FHA, VA	7	0.5%	87.5%	$309,285
Village Capital & Investment	FHA, VA	7	0.5%	84.6%	$415,000
American Financial Network, Inc.	Conventional, FHA	6	0.4%	100%	$210,000
Discover Bank	Conventional	6	0.4%	42.9%	$68,333
21St Mortgage	Conventional	6	0.4%	18.2%	$115,000
New American Funding, LLC.	Conventional, FHA, VA, HELOC	5 +2 HELOCs	0.4%	83.3%	$235,000
Towne Mortgage Company	Conventional, FHA	5	0.4%	100%	$217,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	5	0.4%	50%	$179,000	View
Plaza Home Mortgage, Inc	Conventional, FHA	5	0.4%	83.3%	$329,000
JMAC Lending, Inc.	Conventional, FHA	5	0.4%	100%	$339,000
Spring Eq, LLC	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.3%	33.3%	$155,000
Equity Resources Inc	Conventional, FHA	4	0.3%	100%	$237,500
Guaranteed Rate Affinity, LLC	Conventional, FHA	4	0.3%	100%	$187,500
American Financial Resources LLC	Conventional, FHA	4	0.3%	100%	$325,000
Neighborhood Loans, Inc	Conventional	4	0.3%	57.1%	$15,000
Countryplace Mortgage, Ltd.	Conventional, FHA	4	0.3%	80%	$200,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, FHA	4	0.3%	100%	$257,500	View
Sun West Mortgage Company, Inc	FHA, VA, USDA	4	0.3%	66.7%	$247,500
Planet Home Lending, LLC	Conventional, FHA	4	0.3%	57.1%	$307,500
Stockton Mortgage Corporation	FHA	4	0.3%	100%	$315,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, VA, Jumbo	4	0.3%	33.3%	$442,500	View
The Loan Store, Inc	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.2%	100%	$535,000
Goodleap, LLC	Conventional, HELOC	3 +2 HELOCs	0.2%	60%	$121,666
EMM Loans LLC	Conventional	3	0.2%	100%	$261,666
Cornerstone First Mortgage, LLC	Conventional	3	0.2%	60%	$168,333
Everett Financial, Inc.	Conventional, VA	3	0.2%	100%	$231,666
All Credit Considered Mortgage, Inc.	Conventional	3	0.2%	100%	$291,666
Resicentral LLC	Conventional	3	0.2%	100%	$221,666
AdvantageFirst Lending Inc	FHA	3	0.2%	60%	$245,000
My Mortgage, Inc	Conventional, FHA	3	0.2%	100%	$255,000
Waterstone Mortgage Corporation	Conventional, FHA	3	0.2%	100%	$281,666
Synovus Bank	Conventional, FHA	3	0.2%	100%	$221,666
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, VA	3	0.2%	100%	$261,666	View
Top Flite Financial, Inc.	Conventional, FHA	3	0.2%	100%	$295,000
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	3	0.2%	100%	$175,000
Royal United Mortgage LLC	Conventional	2	0.1%	66.7%	$115,000
VanDyk Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$385,000
Homeowners Financial Group, LLC	Conventional, FHA	2	0.1%	100%	$295,000
First Option Mortgage, LLC	Conventional	2	0.1%	66.7%	$325,000
Embrace Home Loans, Inc.	Conventional, VA	2	0.1%	100%	$325,000
Hometown Equity Mortgage, LLC	Conventional, FHA	2	0.1%	66.7%	$360,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.1%	100%	$150,000	View
Mortgage Solutions of Colorado	VA	2	0.1%	100%	$390,000
Zillow Home Loans, LLC	Conventional, FHA	2	0.1%	100%	$280,000
Liberty Home Mortgage Corp	Conventional, FHA	2	0.1%	100%	$115,000
ClearEdge Lending LLC	Conventional, Jumbo	2	0.1%	66.7%	$695,000
Loan Simple, Inc.	Conventional, FHA	2	0.1%	100%	$280,000
Members 1St FCU	Conventional	1	0.1%	100%	$125,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$415,000	View
Canopy Mortgage, LLC	FHA	1	0.1%	100%	$295,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$495,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$315,000
Nbkc Bank	Conventional	1	0.1%	100%	$395,000
ALCOVA Mortgage, LLC	Conventional	1	0.1%	100%	$225,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	50%	$315,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$355,000
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$225,000	View
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$335,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$275,000
Acre Mortgage & Financial, Inc.	Conventional	1	0.1%	100%	$805,000
Valley West Corporation	FHA	1	0.1%	100%	$265,000
Michigan Mutual, Inc	FHA	1	0.1%	100%	$275,000
American Liberty Mortgage Inco	Conventional	1	0.1%	100%	$425,000
First Alliance Home Mortgage, LLC	FHA	1	0.1%	100%	$585,000
Bank Fund Staff Federal Credit	Conventional	1	0.1%	100%	$65,000
Credit Human Federal Credit Un	Conventional	1	0.1%	37.5%	$95,000
Click n' Close, Inc.	FHA	1	0.1%	60%	$205,000
Bay Equity LLC	Conventional	1	0.1%	100%	$375,000
First Colony Mortgage Corporat	Conventional	1	0.1%	50%	$475,000
Ameritrust Mortgage Corporation	FHA	1	0.1%	100%	$245,000
Efinity Financial LLC	Conventional	1	0.1%	100%	$545,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	VA	1	0.1%	100%	$705,000	View
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$185,000
Intelliloan, Inc.	Conventional	1	0.1%	100%	$265,000
Provident Funding Associates	Conventional	1	0.1%	100%	$365,000
T2 Financial LLC	FHA	1	0.1%	50%	$145,000
Vellum Mortgage, Inc.	VA	1	0.1%	100%	$495,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$595,000
Gardner Financial Services	FHA	1	0.1%	100%	$275,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$125,000	View
Saygo Home Loans, LLC	FHA	1	0.1%	100%	$285,000
Mission Loans, LLC	FHA	1	0.1%	100%	$215,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	FHA	1	0.1%	100%	$415,000	View
Genway Home Mortgage, Inc.	Conventional	1	0.1%	33.3%	$365,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$185,000
Nations Direct Mortgage, LLC	FHA	1	0.1%	100%	$455,000
Mutual of Omaha Mortgage	VA	1	0.1%	100%	$395,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	25%	$495,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	FHA	1	0.1%	100%	$425,000	View
Residential Home Mortgage Corporation	Conventional	1	0.1%	100%	$245,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	100%	$55,000	View
Texana Bank	VA	1	0.1%	100%	$375,000
Ark-La-Tex Financial Services LLC	FHA	1	0.1%	100%	$295,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$365,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$215,000
HomeBridge Financial Services, Inc	HELOC	0 +8 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +8 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
DFCU Financial	HELOC	0 +3 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Tower Federal Credit Union A-4.9 ★Texas Ratio: 16.71%	HELOC	0 +1 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Corning Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	0%

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.

Plant City 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 Plant City, Florida

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

Types of Mortgage Lenders in Plant City, FL

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

Mortgage companies and brokers 119 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 35 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 75 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 36 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 3 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 6 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 27 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Plant City, FL

Independent mortgage companies closed 89.2 percent of home loans in Plant City, Florida in 2025, banks 4.7 percent and credit unions 6 percent. Triad Financial Services, Inc. was the largest mortgage company, Bank of America NA the largest bank and Suncoast Credit Union the largest credit union. Among lenders headquartered in Florida, The Bank of Tampa led with 4 loans.

89.2%

Mortgage companies

4.7%

Banks

Credit unions

40%

FHA loans

15%

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 Plant City, FL

Who is the largest mortgage lender in Plant City, FL?

By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Plant City, Florida with 4 loans, about 0.3 percent of the market. The largest lender headquartered in Florida was The Bank of Tampa with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Plant City, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 88.5 percent, against a 75.9 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 Plant City, FL mortgage lenders offer FHA, VA and USDA loans?

75 lenders closed FHA loans in Plant City, Florida in 2025, led by DHI Mortgage Company, LTD. with 141. 36 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 3 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 Plant City, FL lender list?

Yes. 35 banks and 20 credit unions closed home loans in Plant City, Florida in 2025, alongside 119 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 Plant City, FL ranked on this page?

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