Mortgage Lenders and Brokers in Port St. Joe, Florida
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Port St. Joe, Florida mortgage lenders include Centennial BankCentennial Bank22 Avenue E, Apalachicola, FL 32320A+5.0 ★Texas Ratio: 3.14%, Tyndall Federal Credit UnionTyndall Federal Credit Union1601 Ohio Ave, Lynn Haven, FL 32444 3746A+5.0 ★Texas Ratio: 0.96%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Calhoun Liberty Credit UnionCalhoun Liberty Credit Union16076 State Road 71 S, Blountstown, FL 32424 5100A+5.0 ★Texas Ratio: 0.07%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Prime Meridian BankPrime Meridian Bank2201 Crawfordville Hwy, Crawfordville, FL 32327A+5.0 ★Texas Ratio: 2.17%, and BankplusBankplus4881 Nw 8th Ave, Gainesville, FL 32605A+5.0 ★Texas Ratio: 4.80%. 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 Port St. Joe, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Port St. Joe 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 Port St. Joe, Florida
Market share is the lender's share of all home loans closed in Port St. Joe, 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 |
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22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14% |
Conventional, FHA, Jumbo, HELOC | 31 +11 HELOCs |
10.7% | 81.6% | $425,967 | View |
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1601 Ohio Ave, Lynn Haven, FL 32444 3746 A+5.0 ★Texas Ratio: 0.96% |
Conventional, HELOC | 15 +1 HELOCs |
5.2% | 75% | $157,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo | 4 | 1.4% | 100% | $590,000 | View |
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16076 State Road 71 S, Blountstown, FL 32424 5100 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 3 | 1% | 100% | $261,666 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 3 | 1% | 100% | $468,333 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, Jumbo | 3 | 1% | 100% | $1,401,666 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 66.7% | $260,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 66.7% | $550,000 | View |
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2201 Crawfordville Hwy, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.17% |
Conventional, Jumbo | 2 | 0.7% | 100% | $1,060,000 | View |
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4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 2 | 0.7% | 100% | $255,000 | View |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,355,000 | View |
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★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,275,000 | View |
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316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
Conventional | 1 | 0.3% | 100% | $675,000 | View |
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2755 E Orange Ave, Eustis, FL 32726 A+5.0 ★Texas Ratio: 1.15% |
Conventional | 1 | 0.3% | 100% | $235,000 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 1 | 0.3% | 50% | $95,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 0.3% | 100% | $145,000 | View |
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34990 Emerald Coast Pkwy, Destin, FL 32541 A+5.0 ★Texas Ratio: 1.74% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
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★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.3% | 100% | $495,000 | View |
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10970 San Jose Boulevard, Jacksonville, FL 32223 A+5.0 ★Texas Ratio: 4.01% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,665,000 | View |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.3% | 100% | $805,000 | View |
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402 N Waukesha ST, Bonifay, FL 32425 2014 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 1 | 0.3% | 50% | $255,000 | View |
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10650 Boardwalk Loop, Bradenton, FL 34202 A+5.0 ★Texas Ratio: 2.04% |
Conventional | 1 | 0.3% | 100% | $475,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.3% | 100% | $755,000 | View |
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★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.3% | 50% | $185,000 | View |
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★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18% |
Conventional | 1 | 0.3% | 100% | $235,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,725,000 | View |
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2545 Commercial Park Drive, Marianna, FL 32446 A5.0 ★Texas Ratio: 6.29% |
Conventional | 1 | 0.3% | 100% | $365,000 | View |
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15000 Nw 140th St, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Consumer Real Estate Finance Co DBA Society Mortgage
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USDA | 1 | 0.3% | 25% | $175,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 50% | $225,000 | |
Alkan Mortgage Corporation
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VA | 1 | 0.3% | 100% | $705,000 | |
The Mortgage Firm
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Conventional | 1 | 0.3% | 100% | $385,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 60 | 20.7% | 93.8% | $351,500 | |
Rocket Mortgage
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Conventional, FHA, VA | 15 | 5.2% | 76.2% | $258,333 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 9 +2 HELOCs |
3.1% | 90% | $477,222 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA, VA | 9 | 3.1% | 100% | $409,444 | View |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional | 7 | 2.4% | 100% | $387,857 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 6 | 2.1% | 85.7% | $345,000 | View |
Mortgage Research Center
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VA | 5 | 1.7% | 71.4% | $325,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA | 4 | 1.4% | 44.4% | $285,000 | View |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 1.4% | 66.7% | $385,000 | |
American Financial Resources LLC
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Conventional, VA | 3 | 1% | 100% | $458,333 | |
Envoy Mortgage, Ltd
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Conventional, FHA, Jumbo | 3 | 1% | 100% | $498,333 | |
Movement Mortgage, LLC
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Conventional | 3 | 1% | 100% | $578,333 | |
Pennymac Loan Services LLC
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Conventional | 3 | 1% | 75% | $358,333 | |
Network Capital Funding Corporation
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Conventional | 3 | 1% | 100% | $358,333 | |
Calcon Mutual Mortgage LLC
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Conventional, VA | 3 | 1% | 100% | $378,333 | |
Thomasville National Bank
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Conventional, Jumbo | 3 | 1% | 100% | $931,666 | |
Nationstar Mortgage
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Conventional, VA | 3 | 1% | 100% | $388,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 3 | 1% | 100% | $231,666 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, VA | 3 | 1% | 100% | $288,333 | View |
EMM Loans LLC
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Conventional, FHA | 2 | 0.7% | 100% | $100,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 2 | 0.7% | 100% | $330,000 | View |
Premier Bank of the South
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Conventional | 2 | 0.7% | 100% | $385,000 | |
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A5.0 ★Texas Ratio: 7.51% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $665,000 | View |
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A5.0 ★Texas Ratio: 6.45% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.3% | 100% | $645,000 | View |
Town & Country Bank and Trust Co.
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Conventional, Jumbo | 1 | 0.3% | 100% | $2,705,000 | |
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A5.0 ★Texas Ratio: 9.58% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,115,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.3% | 100% | $405,000 | View |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.3% | 100% | $335,000 | |
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A5.0 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $425,000 | View |
Canopy Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $415,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.3% | 100% | $595,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.3% | 100% | $515,000 | View |
Resicentral LLC
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $645,000 | |
loanDepot.com LLC
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FHA | 1 | 0.3% | 100% | $245,000 | |
Sunmark Community Bank
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Conventional | 1 | 0.3% | 100% | $805,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.3% | 100% | $355,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.3% | 100% | $205,000 | |
River Bank & Trust
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,345,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
PFN Lending Group, Inc.
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Conventional | 1 | 0.3% | 100% | $805,000 | |
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B+4.7 ★Texas Ratio: 18.53% |
Conventional, Jumbo | 1 | 0.3% | 100% | $895,000 | View |
BankSouth
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Conventional, Jumbo | 1 | 0.3% | 100% | $2,325,000 | |
First National Community Bank
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Union Home Mortgage Corp.
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VA | 1 | 0.3% | 100% | $315,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Nfm, Inc
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Conventional | 1 | 0.3% | 100% | $235,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $165,000 | View |
Atlantic Bay Mortgage Group
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Conventional | 1 | 0.3% | 100% | $685,000 | |
T2 Financial LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,245,000 | |
Waterstone Mortgage Corporation
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VA | 1 | 0.3% | 100% | $325,000 | |
Synovus Bank
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Conventional, Jumbo | 1 | 0.3% | 100% | $815,000 | |
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A+5.0 ★Texas Ratio: 5.66% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,105,000 | View |
Acopia, LLC
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Stockton Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
FHA | 1 | 0.3% | 100% | $405,000 | View |
TowneBank
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Conventional | 1 | 0.3% | 100% | $265,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.3% | 100% | $625,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.3% | 100% | $825,000 | View |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 100% | $745,000 | View |
Troy Bank and Trust
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Conventional, Jumbo | 1 | 0.3% | 100% | $905,000 | |
21St Mortgage
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Conventional | 1 | 0.3% | 33.3% | $145,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,485,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Peoplessouth Bank
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 7.48% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | 100% |
Port St. Joe 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 Port St. Joe, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Port St. Joe? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Port St. Joe in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Port St. Joe, FL
Use these to narrow the list above. Each category shows how many Port St. Joe, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Port St. Joe, FL
Independent mortgage companies closed 51.4 percent of home loans in Port St. Joe, Florida in 2025, banks 40 percent and credit unions 8.6 percent. Triad Financial Services, Inc. was the largest mortgage company, Centennial Bank the largest bank and Tyndall Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Tyndall Federal Credit Union led with 15 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 Port St. Joe, FL
By home loans closed in 2025, Centennial Bank was the largest mortgage lender in Port St. Joe, Florida with 31 loans, about 10.7 percent of the market. The largest lender headquartered in Florida was Tyndall Federal Credit Union with 15 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Port St. Joe, Florida, DHI Mortgage Company, LTD. approved the highest share of completed applications in 2025 at 93.8 percent, against a 87 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.
14 lenders closed FHA loans in Port St. Joe, Florida in 2025, led by DHI Mortgage Company, LTD. with 17. 15 lenders closed VA loans, led by DHI Mortgage Company, LTD., 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.
Yes. 57 banks and 7 credit unions closed home loans in Port St. Joe, Florida in 2025, alongside 44 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 Port St. Joe, 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 Port St. Joe, 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 Port St. Joe. 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.
