Mortgage Lenders and Brokers in Southgate, 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
Southgate, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Achieva Credit UnionAchieva Credit Union4254 53rd Ave E, Bradenton, FL 34203A+5.0 ★Texas Ratio: 2.57%, Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, Cogent BankCogent Bank1001 3rd Ave W, Bradenton, FL 34205A+5.0 ★Texas Ratio: 2.54%, Suncoast Credit UnionSuncoast Credit Union1328 E Oak St, Arcadia, FL 34266A5.0 ★Texas Ratio: 6.26%, Fifth Third Bank, National AssociationFifth Third Bank, National Association254 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.22%, and Trustco BankTrustco Bank909 West State Rd 434, Altamonte Springs, FL 32714A+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 Southgate, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Southgate 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 Southgate, Florida
Market share is the lender's share of all home loans closed in Southgate, 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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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 8 | 4.8% | 88.9% | $306,250 | View |
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4254 53rd Ave E, Bradenton, FL 34203 A+5.0 ★Texas Ratio: 2.57% |
Conventional, HELOC | 4 +4 HELOCs |
2.4% | 100% | $250,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 3 +9 HELOCs |
1.8% | 75% | $138,333 | 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 | 3 +3 HELOCs |
1.8% | 100% | $635,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +5 HELOCs |
1.2% | 66.7% | $90,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 2 | 1.2% | 100% | $1,425,000 | View |
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1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 2 | 1.2% | 66.7% | $500,000 | View |
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1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 1 +3 HELOCs |
0.6% | 100% | $525,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +3 HELOCs |
0.6% | 100% | $65,000 | View |
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★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.6% | 100% | $165,000 | View |
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8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.6% | 100% | $505,000 | View |
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400 N Brevard Ave, Arcadia, FL 34266 A+5.0 ★Texas Ratio: 0.31% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
Conventional | 1 | 0.6% | 100% | $205,000 | View |
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16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.6% | 100% | $585,000 | View |
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891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.6% | 100% | $205,000 | View |
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1001 S Fort Harrison Ave, Clearwater, FL 33756 A5.0 ★Texas Ratio: 12.55% |
Conventional | 1 | 0.6% | 50% | $275,000 | View |
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101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.6% | 100% | $275,000 | View |
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7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
Conventional | 1 | 0.6% | 50% | $135,000 | View |
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10650 Boardwalk Loop, Bradenton, FL 34202 A+5.0 ★Texas Ratio: 2.04% |
Conventional | 1 | 0.6% | 100% | $115,000 | View |
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1620 Main Street, Sarasota, FL 34236 A+5.0 ★Texas Ratio: 1.43% |
Conventional | 1 | 0.6% | 100% | $445,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.6% | 100% | $635,000 | 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% |
HELOC | 0 +3 HELOCs |
0% | n/a | 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% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | 25% | View | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 5 | 3% | 100% | $271,000 | |
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A5.0 ★Texas Ratio: 10.20% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA | 17 | 10.3% | 70.8% | $225,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 13 +1 HELOCs |
7.9% | 73.7% | $403,461 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 8 | 4.8% | 100% | $480,000 | |
loanDepot.com LLC
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Conventional | 5 | 3% | 83.3% | $303,000 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 5 | 3% | 62.5% | $595,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +1 HELOCs |
2.4% | 80% | $242,500 | |
New American Funding, LLC.
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Conventional | 4 | 2.4% | 80% | $327,500 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 3 | 1.8% | 100% | $478,333 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
1.2% | 100% | $415,000 | View |
Movement Mortgage, LLC
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Conventional | 2 | 1.2% | 100% | $545,000 | |
Deephaven Mortgage LLC
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Conventional | 2 | 1.2% | 100% | $150,000 | |
Guild Mortgage Company
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Conventional | 2 | 1.2% | 100% | $145,000 | |
Nextmortgage, LLC
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Conventional, USDA | 2 | 1.2% | 100% | $60,000 | |
Waterstone Mortgage Corporation
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Conventional | 2 | 1.2% | 100% | $315,000 | |
Stockton Mortgage Corporation
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Conventional | 2 | 1.2% | 100% | $300,000 | |
Mutual of Omaha Mortgage
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Conventional, Jumbo | 2 | 1.2% | 100% | $1,075,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 1.2% | 100% | $440,000 | |
Everence Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $105,000 | |
Pentagon Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.6% | 100% | $395,000 | |
Arc Home LLC
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Conventional | 1 | 0.6% | 100% | $505,000 | |
Equity Resources Inc
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Conventional | 1 | 0.6% | 100% | $565,000 | |
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A5.0 ★Texas Ratio: 6.26% |
Conventional | 1 | 0.6% | 100% | $805,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.6% | 100% | $345,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.6% | 100% | $315,000 | |
Primelending
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Conventional | 1 | 0.6% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.6% | 100% | $135,000 | View |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 0.6% | 100% | $435,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.6% | 100% | $135,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.6% | 100% | $545,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 25% | $205,000 | |
Eustis Mortgage Corp
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Conventional | 1 | 0.6% | 100% | $155,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.6% | 100% | $115,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.6% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,405,000 | View |
City 1st Mortgage Services, LC
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Conventional | 1 | 0.6% | 100% | $495,000 | |
First Savings Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $255,000 | |
Network Capital Funding Corporation
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FHA | 1 | 0.6% | 50% | $185,000 | |
Home Mortgage Advisors, LLC
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Conventional | 1 | 0.6% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.6% | 100% | $545,000 | View |
Nfm, Inc
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Conventional | 1 | 0.6% | 50% | $75,000 | |
Credence Funding Corporation
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VA | 1 | 0.6% | 100% | $295,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 0.6% | 100% | $705,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $465,000 | |
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A5.0 ★Texas Ratio: 8.69% |
Conventional | 1 | 0.6% | 100% | $325,000 | View |
Union Savings Bank
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Conventional | 1 | 0.6% | 100% | $465,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.6% | 100% | $545,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 50% | $155,000 | |
Mortgage Research Center
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VA | 1 | 0.6% | 100% | $165,000 | |
Lake Michigan Credit Union
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,205,000 | |
Towne Mortgage Company
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FHA | 1 | 0.6% | 100% | $375,000 | |
Endeavor Capital, LLC
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Conventional | 1 | 0.6% | 100% | $495,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.6% | 100% | $385,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.6% | 100% | $525,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $185,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.6% | 100% | $295,000 | View |
The Commercial & Savings Bank
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Conventional | 1 | 0.6% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.6% | 100% | $345,000 | View |
Stellar Bank
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Conventional, Jumbo | 1 | 0.6% | 100% | $2,085,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.6% | 100% | $345,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.6% | 100% | $105,000 | |
Vista Point Mortgage, LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $485,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.02% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Union Home Mortgage Corp.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Affinity Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Southgate 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 Southgate, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Southgate? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Southgate in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Southgate, FL
Use these to narrow the list above. Each category shows how many Southgate, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Southgate, FL
Independent mortgage companies closed 62.4 percent of home loans in Southgate, Florida in 2025, banks 28.5 percent and credit unions 9.1 percent. Lakeview Loan Servicing, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Achieva Credit Union the largest credit union. Among lenders headquartered in Florida, Achieva Credit Union led with 4 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 Southgate, FL
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Southgate, Florida with 8 loans, about 4.8 percent of the market. The largest lender headquartered in Florida was Achieva Credit Union with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Southgate, Florida in 2025, led by Lakeview Loan Servicing, LLC with 1. 7 lenders closed VA loans, led by Lakeview Loan Servicing, LLC, 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. 38 banks and 10 credit unions closed home loans in Southgate, Florida in 2025, alongside 48 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 Southgate, 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 Southgate, 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 Southgate. 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.
