Mortgage Lenders and Brokers in Point Baker, Florida
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Point Baker, Florida mortgage lenders include PenAir Credit UnionPenAir Credit Union1345 Industrial Dr, Crestview, FL 32539 8984A+5.0 ★Texas Ratio: 2.97%, Gulf Winds Credit UnionGulf Winds Credit Union11 Preston Cir, Crawfordville, FL 32327A+5.0 ★Texas Ratio: 2.87%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, Servisfirst BankServisfirst Bank316 Racetrack Rd Ne, Fort Walton Beach, FL 32547A5.0 ★Texas Ratio: 8.75%, Hancock Whitney BankHancock Whitney Bank5817 Manatee Ave W, Bradenton, FL 34209A+5.0 ★Texas Ratio: 3.41%, City National Bank of FloridaCity National Bank of Florida2999 Ne 191st St, Aventura, FL 33180A5.0 ★Texas Ratio: 7.12%, Members First Credit Union of FloridaMembers First Credit Union of Florida5005 Highway 90, Pace, FL 32571A+5.0 ★Texas Ratio: 1.18%, Harvesters Federal Credit UnionHarvesters Federal Credit Union480 S Highway 29, Cantonment, FL 32533 6406A5.0 ★Texas Ratio: 6.36%, and Centennial BankCentennial Bank22 Avenue E, Apalachicola, FL 32320A+5.0 ★Texas Ratio: 3.14%. 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 Point Baker, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Point Baker 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 Point Baker, Florida
Market share is the lender's share of all home loans closed in Point Baker, 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 |
|---|---|---|---|---|---|---|
|
1345 Industrial Dr, Crestview, FL 32539 8984 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 5 +3 HELOCs |
2.3% | 71.4% | $147,000 | View |
|
11 Preston Cir, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 3 +2 HELOCs |
1.4% | 100% | $131,666 | View |
|
360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
1.4% | 60% | $161,666 | View |
|
★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
FHA | 2 | 0.9% | 100% | $230,000 | View |
|
316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $185,000 | View |
|
★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
|
2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
FHA | 1 | 0.5% | 100% | $155,000 | View |
|
5005 Highway 90, Pace, FL 32571 A+5.0 ★Texas Ratio: 1.18% |
Conventional | 1 | 0.5% | 100% | $335,000 | |
|
480 S Highway 29, Cantonment, FL 32533 6406 A5.0 ★Texas Ratio: 6.36% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
|
22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14% |
Conventional | 1 | 0.5% | 100% | $435,000 | View |
|
16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
|
★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Coastal Loans, LLC
|
Conventional, FHA, VA | 8 | 3.7% | 100% | $343,750 | |
Freedom Mortgage Corporation
|
FHA, VA | 6 | 2.8% | 88.9% | $288,333 | |
The Mortgage Firm
|
Conventional, VA | 3 | 1.4% | 100% | $275,000 | |
Lakeview Loan Servicing, LLC
|
Conventional, VA | 2 | 0.9% | 66.7% | $210,000 | |
Mortgage One of the South, Inc
|
VA | 1 | 0.5% | 100% | $405,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 28 +7 HELOCs |
13% | 96.6% | $260,000 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, USDA | 27 | 12.5% | 84.8% | $297,592 | |
Rocket Mortgage
|
Conventional, FHA, VA | 14 | 6.5% | 57.7% | $162,142 | |
Ark-La-Tex Financial Services LLC
|
Conventional, FHA, VA | 10 | 4.6% | 100% | $324,000 | |
Mortgage Research Center
|
VA | 9 | 4.2% | 62.5% | $307,222 | |
|
A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA, VA | 6 | 2.8% | 85.7% | $356,666 | View |
Fairway Independent Mort Corp
|
Conventional, FHA, VA | 6 | 2.8% | 85.7% | $280,000 | |
Primelending
|
Conventional, FHA | 5 | 2.3% | 100% | $131,000 | |
Guild Mortgage Company
|
Conventional, VA, USDA | 5 | 2.3% | 100% | $267,000 | |
Movement Mortgage, LLC
|
Conventional, VA | 4 | 1.9% | 100% | $310,000 | |
New American Funding, LLC.
|
Conventional, FHA, HELOC | 3 +1 HELOCs |
1.4% | 100% | $145,000 | |
|
A5.0 ★Texas Ratio: 8.10% |
Conventional, VA | 3 | 1.4% | 100% | $178,333 | View |
Nbkc Bank
|
VA | 3 | 1.4% | 100% | $341,666 | |
CrossCountry Mortgage, LLC
|
FHA, VA | 3 | 1.4% | 100% | $341,666 | |
|
A+5.0 ★Texas Ratio: 2.02% |
FHA, USDA | 3 | 1.4% | 100% | $215,000 | View |
Nationstar Mortgage
|
Conventional | 3 | 1.4% | 100% | $171,666 | |
Synovus Bank
|
Conventional, FHA, HELOC | 2 +2 HELOCs |
0.9% | 100% | $260,000 | |
Pennymac Loan Services LLC
|
VA | 2 | 0.9% | 60% | $360,000 | |
loanDepot.com LLC
|
Conventional, FHA | 2 | 0.9% | 100% | $90,000 | |
AdvantageFirst Lending Inc
|
Conventional, VA | 2 | 0.9% | 66.7% | $210,000 | |
American Financing Corporation
|
FHA, VA | 2 | 0.9% | 100% | $275,000 | |
|
A+5.0 ★Texas Ratio: 2.15% |
Conventional | 2 | 0.9% | 100% | $350,000 | View |
Summit Funding.Inc
|
FHA, VA | 2 | 0.9% | 100% | $575,000 | |
Zillow Home Loans, LLC
|
Conventional, VA | 2 | 0.9% | 100% | $190,000 | |
21St Mortgage
|
Conventional | 2 | 0.9% | 66.7% | $165,000 | |
|
A5.0 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.5% | 100% | $435,000 | View |
Premier Mortgage Resources, LLC
|
VA | 1 | 0.5% | 100% | $535,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 0.5% | 100% | $205,000 | |
Canopy Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $235,000 | |
MortgageOne, Inc
|
Conventional | 1 | 0.5% | 100% | $155,000 | |
Equity Prime Mortgage LLC
|
FHA | 1 | 0.5% | 100% | $175,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.5% | 100% | $265,000 | |
Loanunited.Com, LLC
|
FHA | 1 | 0.5% | 100% | $325,000 | |
Resicentral LLC
|
Conventional | 1 | 0.5% | 100% | $305,000 | |
Amerisave Mortgage Company
|
Conventional | 1 | 0.5% | 33.3% | $45,000 | |
Princeton Mortgage Corporation
|
FHA | 1 | 0.5% | 100% | $235,000 | |
Synergy One Lending, Inc.
|
Conventional | 1 | 0.5% | 100% | $125,000 | |
|
A5.0 ★Texas Ratio: 12.03% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
Sun West Mortgage Company, Inc
|
FHA | 1 | 0.5% | 100% | $285,000 | |
Union Home Mortgage Corp.
|
VA | 1 | 0.5% | 100% | $255,000 | |
Cardinal Financial Company, Li
|
USDA | 1 | 0.5% | 50% | $155,000 | |
Planet Home Lending, LLC
|
VA | 1 | 0.5% | 100% | $235,000 | |
Castle & Cooke Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $295,000 | |
Stockton Mortgage Corporation
|
FHA | 1 | 0.5% | 100% | $175,000 | |
DFCU Financial
|
Conventional | 1 | 0.5% | 100% | $135,000 | |
Pentagon Federal Credit Union
|
VA | 1 | 0.5% | 100% | $495,000 | |
|
A+5.0 ★Texas Ratio: 1.39% |
FHA | 1 | 0.5% | 100% | $215,000 | View |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
Reliance First Capital, LLC
|
Conventional | 1 | 0.5% | 100% | $225,000 | |
Top Flite Financial, Inc.
|
VA | 1 | 0.5% | 100% | $505,000 | |
Village Capital & Investment
|
VA | 1 | 0.5% | 100% | $475,000 | |
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Coastal Community Bank
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Point Baker Mortgage Rate Trends
Daily average mortgage rates for Florida compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Point Baker, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Point Baker? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Point Baker in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Point Baker, FL
Use these to narrow the list above. Each category shows how many Point Baker, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Point Baker, FL
Independent mortgage companies closed 66.2 percent of home loans in Point Baker, Florida in 2025, banks 14.8 percent and credit unions 19 percent. Coastal Loans, LLC was the largest mortgage company, Regions Bank the largest bank and PenAir Credit Union the largest credit union. Among lenders headquartered in Florida, PenAir Credit Union led with 5 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.
More Florida Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Point Baker, FL
By home loans closed in 2025, PenAir Credit Union was the largest mortgage lender in Point Baker, Florida with 5 loans, about 2.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Point Baker, Florida in 2025, led by United Wholesale Mortgage with 7. 28 lenders closed VA loans, led by United Wholesale Mortgage, and 4 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 8 credit unions closed home loans in Point Baker, Florida in 2025, alongside 45 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Point Baker, 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 Point Baker, 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 Point Baker. 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.
