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Mortgage Lenders and Brokers in Sebastian, Florida

Content reviewed by

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

Sebastian, Florida mortgage lenders include Truist BankTruist Bank13800 Us Highway 1, Sebastian, FL 32958A+5.0 ★Texas Ratio: 2.87%, TD BankTD Bank13633 Us Highway 1, Sebastian, FL 32958A+5.0 ★Texas Ratio: 3.71%, Wells Fargo Bank NAWells Fargo Bank NA1524 Us Highway 1, Sebastian, FL 32958A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.13035 Us Highway 1, Sebastian, FL 32958A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA710 S Fleming St, Sebastian, FL 32958A+5.0 ★Texas Ratio: 4.14%, Seacoast National BankSeacoast National Bank1110 Roseland Rd, Sebastian, FL 32958A+5.0 ★Texas Ratio: 2.72%, Space Coast Credit UnionSpace Coast Credit Union9390 90th Ave, Sebastian, FL 32958 7012A+5.0 ★Texas Ratio: 5.37%, Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, Midflorida Credit UnionMidflorida Credit Union1199 Spring Centre South Blvd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.18%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%. 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 Sebastian, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sebastian 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 Sebastian, Florida

Market share is the lender's share of all home loans closed in Sebastian, 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
Truist Bank ★ 1 stars, 1 review 1 office in Sebastian 13800 Us Highway 1, Sebastian, FL 32958 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	4 +7 HELOCs	0.5%	100%	$325,000	View
TD Bank 1 office in Sebastian 13633 Us Highway 1, Sebastian, FL 32958 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	4 +6 HELOCs	0.5%	40%	$85,000	View
Wells Fargo Bank NA 1 office in Sebastian 1524 Us Highway 1, Sebastian, FL 32958 A+5.0 ★Texas Ratio: 5.36%	Conventional	3	0.4%	60%	$188,333	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Sebastian 13035 Us Highway 1, Sebastian, FL 32958 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +21 HELOCs	0.3%	40%	$335,000	View
Bank of America NA 1 office in Sebastian 710 S Fleming St, Sebastian, FL 32958 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +13 HELOCs	0.3%	100%	$255,000	View
Seacoast National Bank ★ 5 stars, 1 review 1 office in Sebastian 1110 Roseland Rd, Sebastian, FL 32958 A+5.0 ★Texas Ratio: 2.72%	VA, HELOC	1 +7 HELOCs	0.1%	50%	$735,000	View
Space Coast Credit Union 9390 90th Ave, Sebastian, FL 32958 7012 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	22 +31 HELOCs	2.9%	73.5%	$171,363	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, Jumbo, HELOC	10 +1 HELOCs	1.3%	90.9%	$415,000	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, HELOC	9 +5 HELOCs	1.2%	47.6%	$111,666	View
JPMorgan Chase Bank, NA 500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68%	Conventional	4	0.5%	100%	$227,500	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional	2	0.3%	100%	$255,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, VA	2	0.3%	100%	$150,000	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	2	0.3%	80%	$90,000	View
Fairwinds Credit Union 891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64%	Conventional	2	0.3%	66.7%	$65,000	View
Ithink Financial Credit Union 13600 US Highway 1, Sebastian, FL 32958 A+5.0 ★Texas Ratio: 5.06%	Conventional, HELOC	1 +8 HELOCs	0.1%	100%	$105,000	View
Trustco Bank ★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$315,000	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 +2 HELOCs	0.1%	100%	$65,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$185,000	View
Desjardins Bank 1070 Gateway Blvd, Boynton Beach, FL 33426 A+5.0 ★Texas Ratio: 1.22%	Conventional	1	0.1%	100%	$525,000	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$155,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$345,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional	1	0.1%	100%	$185,000	View
Velocity Community Federal Credit Union 6779 W Indiantown Rd, Jupiter, FL 33458 4654 A+5.0 ★Texas Ratio: 3.08%	Conventional	1	0.1%	100%	$85,000	View
Valley National Bank 19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0.1%	100%	$305,000	View
Centennial Bank 22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14%	VA	1	0.1%	100%	$435,000	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
Regions Bank 360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37%	HELOC	0 +1 HELOCs	0%	50%		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
Coastal Loans, LLC	Conventional, FHA, VA	29	3.9%	90.6%	$329,137
Freedom Mortgage Corporation	Conventional, FHA, VA	20	2.7%	85.7%	$310,500
The Mortgage Firm	Conventional, FHA, VA	12	1.6%	100%	$244,166
Acrisure Mortgage, LLC	Conventional, FHA, VA	11	1.5%	91.7%	$339,545
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	4	0.5%	35.7%	$262,500
New Day Financial, LLC.	VA	3	0.4%	33.3%	$318,333
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.3%	100%	$200,000	View
Alkan Mortgage Corporation	FHA	2	0.3%	100%	$215,000
PHH Mortgage Corporation	Conventional, FHA	2	0.3%	100%	$290,000
DYBN Financial Corporation dba Morgan Financial	Conventional	2	0.3%	100%	$260,000
Marine Bank A+5.0 ★Texas Ratio: 4.56%	Conventional	2	0.3%	66.7%	$320,000	View
Nqm Funding, LLC	Conventional	1	0.1%	100%	$245,000
Builders Choice Mortgage LLC	Conventional	1	0.1%	100%	$345,000
Fay Servicing LLC	FHA	1	0.1%	100%	$295,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	90 +1 HELOCs	12%	84.7%	$303,111
Rocket Mortgage	Conventional, FHA, VA, Jumbo	72	9.6%	83.1%	$224,027
DHI Mortgage Company, LTD.	Conventional, FHA, VA	64	8.5%	80.2%	$296,875
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	28	3.7%	82.4%	$300,714
Movement Mortgage, LLC	Conventional, FHA, VA	22	2.9%	92.3%	$331,818
Guild Mortgage Company	Conventional, FHA, VA	14	1.9%	100%	$272,857
Pennymac Loan Services LLC	Conventional, FHA, VA	12	1.6%	60%	$248,333
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	11 +3 HELOCs	1.5%	78.6%	$175,000
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	11	1.5%	57.9%	$277,727	View
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo	11	1.5%	100%	$387,727
Union Home Mortgage Corp.	Conventional, FHA, VA	11	1.5%	100%	$295,909
Nationstar Mortgage	Conventional, FHA, VA	11	1.5%	84.6%	$194,090
Mortgage Research Center	VA	11	1.5%	55%	$322,272
Bayshore Mortgage Funding	Conventional, FHA, VA	10	1.3%	100%	$252,000
loanDepot.com LLC	Conventional, FHA, VA, HELOC	9 +1 HELOCs	1.2%	75%	$220,555
Contour Mortgage Corporation	Conventional, FHA, VA	8	1.1%	100%	$240,000
Fairway Independent Mort Corp	Conventional, FHA, VA	8	1.1%	88.9%	$208,750
RMC Home Mortgage, LLC	Conventional, VA	7	0.9%	87.5%	$286,428
Coast One Mortgage, LLC A+5.0 ★Texas Ratio: 2.18%	Conventional, FHA	7	0.9%	77.8%	$269,285	View
T2 Financial LLC	Conventional, FHA, VA	7	0.9%	88.9%	$356,428
Zillow Home Loans, LLC	Conventional, FHA, VA	7	0.9%	100%	$355,000
Everett Financial, Inc.	Conventional, FHA	6	0.8%	85.7%	$183,333
American Pacific Mortgage Corporation	Conventional, FHA, VA	6	0.8%	100%	$251,666
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, VA	5	0.7%	100%	$323,000	View
Amerisave Mortgage Company	Conventional	5	0.7%	33.3%	$69,000
Total Mortgage Services, LLC	Conventional	4	0.5%	100%	$342,500
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	4	0.5%	80%	$120,000	View
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, HELOC	3 +1 HELOCs	0.4%	100%	$345,000	View
Discover Bank	Conventional	3	0.4%	37.5%	$151,666
Click n' Close, Inc.	Conventional, FHA	3	0.4%	100%	$228,333
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.4%	75%	$151,666	View
Citadel Servicing Corporation	Conventional	3	0.4%	100%	$251,666
Leaderone Financial Corp.	Conventional, FHA	3	0.4%	100%	$295,000
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	3	0.4%	100%	$231,666
Spring Eq, LLC	Conventional, HELOC	2 +1 HELOCs	0.3%	28.6%	$55,000
EMM Loans LLC	Conventional, VA	2	0.3%	100%	$165,000
Cornerstone First Mortgage, LLC	Conventional	2	0.3%	100%	$205,000
Guaranteed Rate, Inc.	Conventional	2	0.3%	66.7%	$345,000
SWBC Mortgage Corporation	Conventional	2	0.3%	100%	$70,000
Allied Mortgage Group, Inc	Conventional	2	0.3%	100%	$245,000
AmeriHome Mortgage Company, LLC	FHA	2	0.3%	100%	$320,000
Resicentral LLC	Conventional	2	0.3%	100%	$285,000
American Financial Network, Inc.	Conventional, VA	2	0.3%	50%	$370,000
Sun West Mortgage Company, Inc	FHA, VA	2	0.3%	100%	$305,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.3%	100%	$315,000	View
Planet Home Lending, LLC	Conventional, VA	2	0.3%	100%	$205,000
Embrace Home Loans, Inc.	Conventional, FHA	2	0.3%	100%	$195,000
Provident Funding Associates	Conventional	2	0.3%	100%	$375,000
Towne Mortgage Company	Conventional, FHA	2	0.3%	100%	$210,000
New American Funding, LLC.	Conventional, FHA	2	0.3%	66.7%	$235,000
The Loan Store, Inc	Conventional, VA	2	0.3%	50%	$305,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	2	0.3%	100%	$460,000	View
Mortgage Investors Group A+5.0 ★Texas Ratio: 5.42%	Conventional, VA	2	0.3%	100%	$380,000	View
Paramount Residential Mortgage	Conventional, VA	2	0.3%	100%	$340,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional	2	0.3%	33.3%	$120,000	View
Plaza Home Mortgage, Inc	Conventional, FHA	2	0.3%	100%	$170,000
Village Capital & Investment	FHA, VA	2	0.3%	100%	$395,000
Citadel Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$245,000
Goodleap, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$65,000
Georgia'S Own Credit Union	Conventional	1	0.1%	100%	$355,000
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$115,000
American Financial Resources LLC	FHA	1	0.1%	100%	$375,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$215,000	View
Primary Residential Mortgage, INC.	FHA	1	0.1%	100%	$75,000
Wesbanco Bank, Inc. A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0.1%	100%	$285,000	View
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$315,000
Nbkc Bank	Conventional	1	0.1%	50%	$275,000
ALCOVA Mortgage, LLC	Conventional	1	0.1%	100%	$385,000
Kind Lending, LLC	Conventional	1	0.1%	33.3%	$365,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$185,000	View
Dart Bank	Conventional	1	0.1%	100%	$295,000
Loanunited.Com, LLC	VA	1	0.1%	100%	$255,000
United Trust Bank	VA	1	0.1%	100%	$275,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0.1%	100%	$425,000	View
Homestead Funding Corp.	FHA	1	0.1%	100%	$345,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	VA	1	0.1%	100%	$335,000	View
Navigant Credit Union	Conventional	1	0.1%	100%	$175,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.1%	100%	$305,000
Advisors Mortgage Group, LLC	FHA	1	0.1%	100%	$355,000
Police and Fire Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Credit Human Federal Credit Un	Conventional	1	0.1%	50%	$55,000
VanDyk Mortgage Corporation	VA	1	0.1%	100%	$425,000
Bay Equity LLC	Conventional	1	0.1%	100%	$295,000
MassMutual FCU	Conventional	1	0.1%	100%	$45,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0.1%	100%	$345,000	View
Stg Mortgage Inc	Conventional	1	0.1%	100%	$245,000
Guardian Savings Bank A+5.0 ★Texas Ratio: 1.35%	Conventional	1	0.1%	100%	$245,000	View
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$225,000
Intelliloan, Inc.	FHA	1	0.1%	100%	$335,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$335,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$255,000	View
Milend, Inc	VA	1	0.1%	100%	$365,000
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	Conventional	1	0.1%	100%	$365,000	View
Bank Ozk	Conventional, Jumbo	1	0.1%	100%	$1,925,000
Stockton Mortgage Corporation	Conventional	1	0.1%	100%	$245,000
Bay Capital Mortgage Corporation	VA	1	0.1%	100%	$325,000
University Bank A+5.0 ★Texas Ratio: 3.82%	FHA	1	0.1%	100%	$375,000	View
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$515,000
Prosperity Home Mortgage, LLC	FHA	1	0.1%	100%	$235,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	50%	$75,000
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$345,000
First Merchants Bank A+5.0 ★Texas Ratio: 4.12%	Conventional	1	0.1%	100%	$105,000	View
Compass Mortgage, Inc.	Conventional	1	0.1%	100%	$335,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$445,000	View
21St Mortgage	Conventional	1	0.1%	50%	$75,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	50%	$205,000
Top Flite Financial, Inc.	Conventional	1	0.1%	100%	$295,000
Polish & Slavic Federal Credit	Conventional	1	0.1%	100%	$285,000
Tomo Mortgage LLC	Conventional	1	0.1%	50%	$285,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$245,000
Coastal Community Bank	HELOC	0 +5 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	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
Atlanta Postal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Affinity 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.

Sebastian 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 Sebastian, Florida

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

Types of Mortgage Lenders in Sebastian, FL

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

Mortgage companies and brokers 99 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 19 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 47 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 48 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 25 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Sebastian, FL

Independent mortgage companies closed 82.9 percent of home loans in Sebastian, Florida in 2025, banks 10 percent and credit unions 7.2 percent. Triad Financial Services, Inc. was the largest mortgage company, Truist Bank the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, Seacoast National Bank led with 1 loans.

82.9%

Mortgage companies

10%

Banks

7.2%

Credit unions

23%

FHA loans

16%

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 Sebastian, FL

Who is the largest mortgage lender in Sebastian, FL?

By home loans closed in 2025, Truist Bank was the largest mortgage lender in Sebastian, Florida with 4 loans, about 0.5 percent of the market. The largest lender headquartered in Florida was Seacoast National Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Sebastian, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 84.7 percent, against a 79.5 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 Sebastian, FL mortgage lenders offer FHA, VA and USDA loans?

47 lenders closed FHA loans in Sebastian, Florida in 2025, led by DHI Mortgage Company, LTD. with 32. 48 lenders closed VA loans, led by United Wholesale Mortgage. 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 Sebastian, FL lender list?

Yes. 43 banks and 19 credit unions closed home loans in Sebastian, Florida in 2025, alongside 99 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 Sebastian, FL ranked on this page?

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