Mortgage Lenders and Brokers in Safety Harbor, 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
Safety Harbor, Florida mortgage lenders include Regions BankRegions Bank601 Main St, Safety Harbor, FL 34695A+5.0 ★Texas Ratio: 4.37%, Midflorida Credit UnionMidflorida Credit Union1199 Spring Centre South Blvd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.18%, Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, Grow Financial Federal Credit UnionGrow Financial Federal Credit Union11008 Arcade Pl, Bradenton, FL 34211A+5.0 ★Texas Ratio: 3.70%, Achieva Credit UnionAchieva Credit Union4254 53rd Ave E, Bradenton, FL 34203A+5.0 ★Texas Ratio: 2.57%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, and Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%. 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 Safety Harbor, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Safety 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 Safety Harbor, Florida
Market share is the lender's share of all home loans closed in Safety 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 |
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1 office in Safety Harbor 601 Main St, Safety Harbor, FL 34695 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo, HELOC | 5 +18 HELOCs |
1.7% | 55.6% | $353,000 | 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, HELOC | 5 +3 HELOCs |
1.7% | 100% | $191,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 3 +7 HELOCs |
1% | 60% | $145,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 3 +2 HELOCs |
1% | 100% | $158,333 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +1 HELOCs |
1% | 42.9% | $648,333 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1% | 100% | $425,000 | View |
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11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 3 | 1% | 100% | $165,000 | View |
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4254 53rd Ave E, Bradenton, FL 34203 A+5.0 ★Texas Ratio: 2.57% |
Conventional, HELOC | 2 +14 HELOCs |
0.7% | 66.7% | $545,000 | 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, Jumbo, HELOC | 2 +13 HELOCs |
0.7% | 66.7% | $1,335,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +8 HELOCs |
0.7% | 100% | $355,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 2 +4 HELOCs |
0.7% | 66.7% | $270,000 | 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, HELOC | 2 +1 HELOCs |
0.7% | 100% | $610,000 | View |
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7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $170,000 | View |
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710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 2 | 0.7% | 100% | $450,000 | View |
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10650 Boardwalk Loop, Bradenton, FL 34202 A+5.0 ★Texas Ratio: 2.04% |
Conventional, Jumbo | 2 | 0.7% | 75% | $585,000 | View |
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1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 1 +8 HELOCs |
0.3% | 100% | $315,000 | 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, HELOC | 1 +5 HELOCs |
0.3% | 50% | $335,000 | View |
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16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $465,000 | View |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $445,000 | View |
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19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,705,000 | 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 | 1 | 0.3% | 100% | $555,000 | View |
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8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.3% | 100% | $585,000 | View |
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790 Park of Commerce Blvd, Boca Raton, FL 33487 A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
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3001 Aventura Blvd, Aventura, FL 33180 B+4.7 ★Texas Ratio: 18.65% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
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12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
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8300 NW 53rd St, Doral, FL 33166 7710 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
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18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.3% | 100% | $765,000 | 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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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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701 9th St W, Bradenton, FL 34205 8656 A+5.0 ★Texas Ratio: 5.46% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Freedom Mortgage Corporation
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Conventional, VA | 7 | 2.4% | 87.5% | $555,000 | |
Fairway Funding Group, Inc
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Conventional | 2 | 0.7% | 100% | $345,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.3% | 100% | $405,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $665,000 | |
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A5.0 ★Texas Ratio: 10.20% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
The Mortgage Firm
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Conventional | 1 | 0.3% | 100% | $275,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 39 +3 HELOCs |
13.4% | 95.1% | $460,128 | |
Rocket Mortgage
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Conventional, VA, Jumbo | 27 | 9.3% | 81.8% | $285,000 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo, HELOC | 15 +1 HELOCs |
5.2% | 100% | $399,000 | |
Pennymac Loan Services LLC
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Conventional | 11 | 3.8% | 84.6% | $405,909 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 8 +5 HELOCs |
2.8% | 72.7% | $391,250 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA, Jumbo | 8 | 2.8% | 100% | $315,000 | View |
Guaranteed Rate, Inc.
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Conventional, Jumbo, HELOC | 7 +1 HELOCs |
2.4% | 100% | $792,142 | |
Movement Mortgage, LLC
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Conventional, FHA | 6 | 2.1% | 100% | $363,333 | |
Kind Lending, LLC
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Conventional, VA | 5 | 1.7% | 83.3% | $389,000 | |
American Financial Network, Inc.
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Conventional | 5 | 1.7% | 100% | $407,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 5 | 1.7% | 100% | $379,000 | |
Discover Bank
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Conventional | 4 | 1.4% | 45.5% | $112,500 | |
Nationstar Mortgage
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Conventional | 4 | 1.4% | 83.3% | $307,500 | |
21St Mortgage
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Conventional | 4 | 1.4% | 57.1% | $50,000 | |
Nfm, Inc
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Conventional, VA, Jumbo | 3 | 1% | 75% | $581,666 | |
JMAC Lending, Inc.
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Conventional, VA | 3 | 1% | 100% | $448,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.7% | 50% | $35,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.7% | 100% | $255,000 | |
Primary Residential Mortgage, INC.
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Conventional | 2 | 0.7% | 100% | $350,000 | |
loanDepot.com LLC
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Conventional | 2 | 0.7% | 66.7% | $85,000 | |
Resicentral LLC
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Conventional | 2 | 0.7% | 100% | $575,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 0.7% | 100% | $495,000 | View |
VanDyk Mortgage Corporation
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Conventional, VA | 2 | 0.7% | 100% | $255,000 | |
Nations Direct Mortgage, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $375,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 2 | 0.7% | 100% | $440,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 2 | 0.7% | 100% | $140,000 | |
The Loan Store, Inc
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FHA, HELOC | 1 +3 HELOCs |
0.3% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.3% | 100% | $665,000 | View |
First Community Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $375,000 | |
American Financial Resources LLC
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FHA | 1 | 0.3% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 0.3% | 100% | $685,000 | |
Go Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $485,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 50% | $35,000 | |
Synergy One Lending, Inc.
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VA | 1 | 0.3% | 100% | $545,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.3% | 100% | $515,000 | |
General Mortgage Capital Corporation
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,055,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.3% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $685,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
VA | 1 | 0.3% | 100% | $765,000 | View |
Mortgage Financial Services
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Conventional | 1 | 0.3% | 100% | $445,000 | |
Select Lending Services, LLC
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Conventional | 1 | 0.3% | 100% | $525,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.3% | 100% | $575,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.3% | 100% | $345,000 | |
Legend Lending Corporation
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Conventional | 1 | 0.3% | 100% | $575,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.3% | 100% | $565,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.3% | 100% | $485,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Hometown Equity Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $535,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.3% | 50% | $535,000 | |
Mortgage Research Center
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VA | 1 | 0.3% | 33.3% | $675,000 | |
Acopia, LLC
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Conventional | 1 | 0.3% | 100% | $575,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 50% | $155,000 | |
Keystone Funding, Inc
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Conventional | 1 | 0.3% | 100% | $555,000 | |
Mutual of Omaha Mortgage
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Conventional, Jumbo | 1 | 0.3% | 50% | $1,185,000 | |
New American Funding, LLC.
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VA | 1 | 0.3% | 50% | $425,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.3% | 100% | $415,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.3% | 100% | $505,000 | |
Consumers Credit Union
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Conventional | 1 | 0.3% | 100% | $55,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.3% | 100% | $705,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 100% | $635,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 50% | $145,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.3% | 100% | $635,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.3% | 100% | $425,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $625,000 | View |
Reliance First Capital, LLC
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FHA | 1 | 0.3% | 100% | $115,000 | |
Top Flite Financial, Inc.
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Conventional | 1 | 0.3% | 100% | $635,000 | |
Gershman Investment Corp.
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Conventional | 1 | 0.3% | 100% | $395,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $765,000 | |
Coastal Community Bank
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
DFCU Financial
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Oaktree Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Mission Loans, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Safety Harbor 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 Safety Harbor, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Safety Harbor? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Safety Harbor in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Safety Harbor, FL
Use these to narrow the list above. Each category shows how many Safety Harbor, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Safety Harbor, FL
Independent mortgage companies closed 74.5 percent of home loans in Safety Harbor, Florida in 2025, banks 16.6 percent and credit unions 9 percent. Freedom Mortgage Corporation was the largest mortgage company, Regions Bank the largest bank and Midflorida Credit Union the largest credit union. Among lenders headquartered in Florida, Midflorida 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 Safety Harbor, FL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Safety Harbor, Florida with 5 loans, about 1.7 percent of the market. The largest lender headquartered in Florida was Midflorida Credit Union with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Safety Harbor, Florida in 2025, led by United Wholesale Mortgage with 5. 13 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 30 banks and 15 credit unions closed home loans in Safety Harbor, Florida in 2025, alongside 77 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 Safety 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 Safety 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 Safety 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.
