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Mortgage Lenders and Brokers in Sanford, Florida

Content reviewed by

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

Sanford, Florida mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA3603 S Orlando Dr, Sanford, FL 32773A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4190 W State Road 46, Sanford, FL 32771A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA5320 W State Road 46, Sanford, FL 32771A+5.0 ★Texas Ratio: 4.14%, Regions BankRegions Bank4477 W 1st St, Sanford, FL 32771A+5.0 ★Texas Ratio: 4.37%, Truist BankTruist Bank208 W 1st St, Sanford, FL 32771A+5.0 ★Texas Ratio: 2.87%, Trustco BankTrustco Bank350 W Lake Mary Blvd, Sanford, FL 32773A+5.0 ★Texas Ratio: 4.14%, Fifth Third Bank, National AssociationFifth Third Bank, National Association109 Bernini Way, Sanford, FL 32771A+5.0 ★Texas Ratio: 3.22%, PNC Bank N.A.PNC Bank N.A.1851 Wp Ball Blvd, Sanford, FL 32771A+5.0 ★Texas Ratio: 4.24%, Seacoast National BankSeacoast National Bank3791 W 1st St, Sanford, FL 32771A+5.0 ★Texas Ratio: 2.72%, and TD BankTD Bank83 Towne Center Boulevard, Sanford, FL 32771A+5.0 ★Texas Ratio: 3.71%. 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 Sanford, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sanford 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 Sanford, Florida

Market share is the lender's share of all home loans closed in Sanford, 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
Wells Fargo Bank NA 1 office in Sanford 3603 S Orlando Dr, Sanford, FL 32773 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA	21	1.6%	87.5%	$268,809	View
JPMorgan Chase Bank, NA 1 office in Sanford 4190 W State Road 46, Sanford, FL 32771 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA	15	1.2%	88.2%	$303,666	View
Bank of America NA 1 office in Sanford 5320 W State Road 46, Sanford, FL 32771 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	11 +19 HELOCs	0.9%	78.6%	$352,272	View
Regions Bank 1 office in Sanford 4477 W 1st St, Sanford, FL 32771 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	7 +6 HELOCs	0.5%	57.1%	$236,428	View
Truist Bank ★ 1 stars, 1 review 1 office in Sanford 208 W 1st St, Sanford, FL 32771 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	5 +14 HELOCs	0.4%	83.3%	$845,000	View
Trustco Bank ★ 1.8 stars, 5 reviews 3 offices in Sanford 350 W Lake Mary Blvd, Sanford, FL 32773 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +12 HELOCs	0.4%	77.8%	$331,000	View
Fifth Third Bank, National Association 1 office in Sanford 109 Bernini Way, Sanford, FL 32771 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, HELOC	3 +8 HELOCs	0.2%	50%	$195,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Sanford 1851 Wp Ball Blvd, Sanford, FL 32771 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +7 HELOCs	0.2%	66.7%	$280,000	View
Seacoast National Bank ★ 5 stars, 1 review 1 office in Sanford 3791 W 1st St, Sanford, FL 32771 A+5.0 ★Texas Ratio: 2.72%	Conventional, HELOC	2 +5 HELOCs	0.2%	100%	$415,000	View
TD Bank 1 office in Sanford 83 Towne Center Boulevard, Sanford, FL 32771 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	1 +3 HELOCs	0.1%	33.3%	$55,000	View
Fairwinds Credit Union 5020 W State Road 46, Sanford, FL 32771 A+5.0 ★Texas Ratio: 2.64%	Conventional, HELOC	49 +22 HELOCs	3.8%	70.3%	$164,183	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional	10	0.8%	100%	$185,000	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, FHA, HELOC	8 +2 HELOCs	0.6%	100%	$337,500	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	7	0.5%	41.9%	$69,285	View
Addition Financial Credit Union 101 E 25th St, Sanford, FL 32771 A5.0 ★Texas Ratio: 6.85%	Conventional, HELOC	5 +6 HELOCs	0.4%	85.7%	$211,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	4	0.3%	66.7%	$350,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	3 +1 HELOCs	0.2%	60%	$205,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA, VA	3	0.2%	100%	$321,666	View
Partners Federal Credit Union 5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$120,000	View
VyStar Credit Union 251 W 1st St, Sanford, FL 32771 1203 A5.0 ★Texas Ratio: 9.56%	Conventional, HELOC	2 +1 HELOCs	0.2%	28.6%	$160,000	View
Climate First Bank 2755 E Orange Ave, Eustis, FL 32726 A+5.0 ★Texas Ratio: 1.15%	Conventional	2	0.2%	100%	$295,000	View
Launch Credit Union 14640 Hanger Rd, Cape Canaveral, FL 32920 A5.0 ★Texas Ratio: 7.61%	Conventional	2	0.2%	100%	$65,000	View
One Florida Bank 21 E 3rd St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 1.41%	Conventional	2	0.2%	100%	$360,000	View
Mccoy Federal Credit Union 931 N Park Ave, Apopka, FL 32712 A+5.0 ★Texas Ratio: 3.49%	Conventional	2	0.2%	50%	$100,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	1 +5 HELOCs	0.1%	25%	$195,000	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$195,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$105,000	View
Florida Credit Union 10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76%	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$305,000	View
Campus USA Credit Union 14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$845,000	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$785,000	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	1	0.1%	100%	$285,000	View
Orlando Credit Union 1662 W Orange Blossom Trl, Apopka, FL 32712 2641 A+5.0 ★Texas Ratio: 4.22%	Conventional	1	0.1%	100%	$265,000	View
Midflorida Credit Union ★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18%	Conventional	1	0.1%	20%	$75,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +3 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 +2 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
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +1 HELOCs	0%	n/a		View
Trailblazer Mortgage L.L.C.	Conventional, FHA, VA	49	3.8%	96.1%	$420,102
Freedom Mortgage Corporation	Conventional, FHA, VA	19	1.5%	75.9%	$312,368
The Mortgage Firm	Conventional, FHA, VA	17	1.3%	100%	$333,823
Acrisure Mortgage, LLC	Conventional, FHA, VA	9	0.7%	100%	$307,222
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	8	0.6%	50%	$202,500
Alkan Mortgage Corporation	Conventional, FHA, VA	8	0.6%	100%	$321,250
Mortgage Lenders Investment Tr	Conventional, FHA, VA	5	0.4%	100%	$251,000
New Day Financial, LLC.	VA	4	0.3%	80%	$335,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	3	0.2%	60%	$358,333	View
Reliable Holdings Manager dba Lendz Financial	Conventional	2	0.2%	100%	$300,000
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional	1	0.1%	50%	$365,000
First Equity Mortgage Bankers Inc.	Conventional, Jumbo	1	0.1%	100%	$995,000
Data Mortgage, Inc	FHA	1	0.1%	100%	$315,000
American Bancshares Mortgage, LLC	Conventional	1	0.1%	100%	$265,000
The Mortgage Warehouse, LLC	Conventional	1	0.1%	100%	$175,000
Mortgage Financial Group Inc	VA	1	0.1%	100%	$305,000
Community First Credit Union of FLorida A+5.0 ★Texas Ratio: 3.41%	Conventional	1	0.1%	100%	$105,000	View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	159 +2 HELOCs	12.5%	86.7%	$352,484
Rocket Mortgage	Conventional, FHA, VA	102	8%	76.6%	$228,431
DHI Mortgage Company, LTD.	Conventional, FHA, VA	97	7.6%	87.5%	$389,432
Pulte Mortgage LLC	Conventional, FHA, VA	88	6.9%	87.1%	$310,568
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	28 +1 HELOCs	2.2%	87.5%	$314,285
Pennymac Loan Services LLC	Conventional, FHA, VA	24	1.9%	70.6%	$352,083
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	18 +9 HELOCs	1.4%	65.5%	$237,222
The Loan Store, Inc	Conventional, FHA, HELOC	17 +2 HELOCs	1.3%	94.4%	$323,823
loanDepot.com LLC	Conventional, FHA	16	1.3%	61.5%	$235,625
Nationstar Mortgage	Conventional, VA	16	1.3%	89.5%	$142,500
New American Funding, LLC.	Conventional, FHA, HELOC	15 +2 HELOCs	1.2%	88.2%	$253,666
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	14	1.1%	63.6%	$193,571	View
Mortgage Research Center	VA	14	1.1%	57.7%	$340,714
Waterstone Mortgage Corporation	Conventional, FHA, VA	13	1%	86.7%	$181,923
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	11 +2 HELOCs	0.9%	91.7%	$277,727	View
Paramount Residential Mortgage	Conventional, FHA, VA	11	0.9%	100%	$308,636
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	11	0.9%	100%	$300,454	View
Guild Mortgage Company	Conventional, FHA, VA	10	0.8%	100%	$263,000
Spring Eq, LLC	Conventional, HELOC	9 +5 HELOCs	0.7%	64.3%	$85,000
Guaranteed Rate, Inc.	Conventional, FHA, VA	9	0.7%	81.8%	$316,111
Equity Prime Mortgage LLC	FHA, VA	9	0.7%	81.8%	$277,222
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	8	0.6%	100%	$347,500
Amerisave Mortgage Company	Conventional, FHA	7	0.5%	24.2%	$113,571
Union Home Mortgage Corp.	Conventional, FHA, VA	7	0.5%	87.5%	$319,285
Fairway Independent Mort Corp	Conventional, FHA, VA	7	0.5%	70%	$273,571
American Financial Resources LLC	Conventional, FHA, VA	6	0.5%	85.7%	$300,000
Movement Mortgage, LLC	Conventional, FHA, VA	6	0.5%	85.7%	$280,000
Nextmortgage, LLC	Conventional, FHA, USDA	6	0.5%	75%	$136,666
Click n' Close, Inc.	Conventional, FHA	6	0.5%	100%	$145,000
Planet Home Lending, LLC	Conventional, FHA, VA	6	0.5%	85.7%	$323,333
Mortgage Equity Partners LLC	Conventional, FHA	6	0.5%	100%	$155,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	6	0.5%	75%	$290,000	View
Cornerstone First Mortgage, LLC	Conventional, FHA	5	0.4%	100%	$171,000
Kind Lending, LLC	Conventional, FHA	5	0.4%	100%	$327,000
Sun West Mortgage Company, Inc	Conventional, FHA	5	0.4%	85.7%	$201,000
Zillow Home Loans, LLC	Conventional, FHA	5	0.4%	100%	$243,000
Loanunited.Com, LLC	FHA, VA	4	0.3%	100%	$352,500
Resicentral LLC	Conventional, FHA	4	0.3%	100%	$322,500
American Federal Mortgage Corporation	Conventional	4	0.3%	100%	$517,500
Mutual of Omaha Mortgage	Conventional, FHA	4	0.3%	80%	$325,000
Meadowbrook Financial Mortgage Bankers Corp.	Conventional, FHA	4	0.3%	100%	$285,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.3%	100%	$127,500	View
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	FHA	4	0.3%	40%	$255,000	View
JMAC Lending, Inc.	Conventional	4	0.3%	100%	$262,500
Goodleap, LLC	Conventional, FHA, VA, HELOC	3 +4 HELOCs	0.2%	100%	$251,666
Pentagon Federal Credit Union	Conventional, VA, HELOC	3 +2 HELOCs	0.2%	75%	$435,000
First Community Mortgage, Inc.	Conventional	3	0.2%	100%	$418,333
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	3	0.2%	100%	$351,666	View
Everett Financial, Inc.	Conventional, FHA	3	0.2%	100%	$335,000
Fidelity Direct Mortgage, LLC	Conventional	3	0.2%	100%	$308,333
Nfm, Inc	Conventional, FHA	3	0.2%	100%	$311,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.2%	100%	$295,000	View
Provident Funding Associates	Conventional	3	0.2%	100%	$448,333
American Pacific Mortgage Corporation	FHA, VA	3	0.2%	100%	$391,666
21St Mortgage	Conventional	3	0.2%	27.3%	$98,333
Plaza Home Mortgage, Inc	FHA	3	0.2%	42.9%	$318,333
Village Capital & Investment	FHA, VA	3	0.2%	90.9%	$425,000
Better Mortgage Corporation	Conventional, HELOC	2 +1 HELOCs	0.2%	40%	$70,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional, Jumbo	2	0.2%	100%	$895,000	View
Cliffco, Inc.	FHA	2	0.2%	100%	$275,000
Gold Star Mortgage Financial Group, Corporation	FHA	2	0.2%	100%	$345,000
American Financial Network, Inc.	FHA	2	0.2%	100%	$255,000
Discover Bank	Conventional	2	0.2%	15.4%	$95,000
Network Capital Funding Corporation	FHA, VA	2	0.2%	100%	$285,000
American Financing Corporation	Conventional, FHA	2	0.2%	28.6%	$285,000
Securitynational Mortgage Company	Conventional	2	0.2%	100%	$425,000
Bay Equity LLC	Conventional, FHA	2	0.2%	100%	$365,000
Ameritrust Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$365,000
Cardinal Financial Company, Li	Conventional, FHA	2	0.2%	100%	$500,000
Encompass Lending Group, L.P.	Conventional, FHA	2	0.2%	100%	$130,000
Nations Lending Corporation	FHA, VA	2	0.2%	100%	$350,000
T2 Financial LLC	Conventional, FHA	2	0.2%	100%	$570,000
Geo-Corp, Inc.	FHA	2	0.2%	100%	$290,000
Nationwide Mortgage Bankers, Inc.	Conventional	2	0.2%	100%	$385,000
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA	2	0.2%	100%	$295,000	View
Local Bank A5.0 ★Texas Ratio: 8.28%	Conventional	2	0.2%	100%	$150,000	View
Nexera Holding LLC	Conventional	2	0.2%	100%	$460,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	2	0.2%	100%	$250,000
Tomo Mortgage LLC	Conventional	2	0.2%	66.7%	$255,000
American Neighborhood Mortgage Acceptance Company	Conventional	2	0.2%	100%	$340,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$305,000
Valon Mortgage	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$195,000
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$345,000
Arc Home LLC	Conventional	1	0.1%	100%	$325,000
Southwest Airlines FCU	Conventional	1	0.1%	100%	$405,000
Originpoint, LLC	Conventional	1	0.1%	100%	$505,000
Kbhs Home Loans, LLC	FHA	1	0.1%	100%	$485,000
American Portfolio Mortgage Corporation	FHA	1	0.1%	100%	$235,000
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$265,000
Royal United Mortgage LLC	FHA	1	0.1%	50%	$195,000
NOVA Financial & Investment Corporation	VA	1	0.1%	100%	$505,000
Nbkc Bank	Conventional	1	0.1%	100%	$455,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$355,000
Kinecta Federal Credit Union	Conventional	1	0.1%	100%	$295,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	1	0.1%	100%	$635,000	View
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$215,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$305,000
Acre Mortgage & Financial, Inc.	FHA	1	0.1%	100%	$285,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$205,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	33.3%	$325,000	View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$355,000	View
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$645,000
American Liberty Mortgage Inco	Conventional	1	0.1%	100%	$235,000
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$645,000
Network Funding, L.P.	Conventional	1	0.1%	100%	$545,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$305,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$595,000
East Coast Capital Corp.	Conventional	1	0.1%	100%	$435,000
ClearPath Lending	VA	1	0.1%	100%	$425,000
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$615,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$365,000
Aurora Financial, LLC	Conventional	1	0.1%	100%	$645,000
Service Federal Credit Union	Conventional	1	0.1%	100%	$255,000
Calcon Mutual Mortgage LLC	Conventional	1	0.1%	100%	$385,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$295,000
Ony Glo, Inc.	Conventional	1	0.1%	100%	$555,000
Evergreen Moneysource Mortgage Company	Conventional	1	0.1%	100%	$385,000
Atlantic Bay Mortgage Group	Conventional	1	0.1%	100%	$285,000
Churchill Mortgage Corporation	FHA	1	0.1%	100%	$335,000
Embrace Home Loans, Inc.	Conventional	1	0.1%	100%	$325,000
Teachers Federal Credit Union	Conventional	1	0.1%	100%	$145,000
BoxCar Mortgage, LLC	FHA	1	0.1%	100%	$285,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$155,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	FHA	1	0.1%	100%	$515,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	50%	$355,000	View
Acopia, LLC	Conventional	1	0.1%	100%	$305,000
DFCU Financial	Conventional, Jumbo	1	0.1%	100%	$1,055,000
Uif Corporation	Conventional	1	0.1%	50%	$605,000
City Bank A+5.0 ★Texas Ratio: 1.71%	Conventional	1	0.1%	100%	$585,000	View
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$195,000	View
Iserve Residential Lending	Conventional	1	0.1%	100%	$235,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$475,000	View
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$305,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$335,000	View
Northrop Grumman Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$515,000	View
Mortgage Investors Group A+5.0 ★Texas Ratio: 5.42%	Conventional	1	0.1%	100%	$85,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA	1	0.1%	100%	$235,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	50%	$25,000
Reliance First Capital, LLC	FHA	1	0.1%	100%	$315,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$215,000
Leaderone Financial Corp.	VA	1	0.1%	100%	$215,000
Champions Funding, LLC	Conventional	1	0.1%	33.3%	$335,000
Coastal Community Bank	HELOC	0 +13 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +10 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Tower Federal Credit Union A-4.9 ★Texas Ratio: 16.71%	HELOC	0 +1 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Northwest Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Chevron Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Wings Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Digital Federal Credit Union	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.

Sanford 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 Sanford, Florida

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

Types of Mortgage Lenders in Sanford, FL

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

Mortgage companies and brokers 134 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 29 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 86 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 46 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 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 37 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Sanford, FL

Independent mortgage companies closed 79.5 percent of home loans in Sanford, Florida in 2025, banks 12.9 percent and credit unions 7.6 percent. Triad Financial Services, Inc. was the largest mortgage company, Wells Fargo Bank NA the largest bank and Fairwinds Credit Union the largest credit union. Among lenders headquartered in Florida, Seacoast National Bank led with 2 loans.

79.5%

Mortgage companies

12.9%

Banks

7.6%

Credit unions

29%

FHA loans

10%

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 Sanford, FL

Who is the largest mortgage lender in Sanford, FL?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Sanford, Florida with 21 loans, about 1.6 percent of the market. The largest lender headquartered in Florida was Seacoast National Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Sanford, Florida, DHI Mortgage Company, LTD. approved the highest share of completed applications in 2025 at 87.5 percent, against a 78.8 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 Sanford, FL mortgage lenders offer FHA, VA and USDA loans?

86 lenders closed FHA loans in Sanford, Florida in 2025, led by United Wholesale Mortgage with 52. 46 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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 Sanford, FL lender list?

Yes. 43 banks and 29 credit unions closed home loans in Sanford, Florida in 2025, alongside 134 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 Sanford, FL ranked on this page?

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