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Home / Mortgage Lenders / Florida / St. Cloud
iAdvertiser Disclosure Advertiser DisclosureSome lenders listed may have a business relationship with MonitorBankRates. Rankings come only from federal loan counts, and health grades come from our own rating system. Advertiser relationships do not influence the order of the list, the grades, or the reviews shown.

Mortgage Lenders and Brokers in St. Cloud, Florida

Content reviewed by Brian McKay Brian McKay Brian McKayFounder and Data Architect at MonitorBankRates.com. For over 18 years he has engineered proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio | 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. | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

St. Cloud, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Fairwinds Credit UnionFairwinds Credit Union891 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 2.64%, 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%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, Addition Financial Credit UnionAddition Financial Credit Union847 S Orange Blossom Trl, Apopka, FL 32703A5.0 ★Texas Ratio: 6.85%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Space Coast Credit UnionSpace Coast Credit Union20437 State Road 7, Boca Raton, FL 33498A+5.0 ★Texas Ratio: 5.37%, and Centennial BankCentennial Bank22 Avenue E, Apalachicola, FL 32320A+5.0 ★Texas Ratio: 3.14%. 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 St. Cloud, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Cloud 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 St. Cloud, Florida

Market share is the lender's share of all home loans closed in St. Cloud, 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.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
JPMorgan Chase Bank, NA
500 E Altamonte Dr, Altamonte Springs, FL 32701
A+5.0 ★Texas Ratio: 3.68%
 Conventional, FHA, HELOC 42
+4 HELOCs
 1.1% 87.5% $300,238 View
Fairwinds Credit Union
891 E Altamonte Dr, Altamonte Springs, FL 32701
A+5.0 ★Texas Ratio: 2.64%
 Conventional, Jumbo, HELOC 29
+6 HELOCs
 0.7% 53.6% $150,862 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 27
+16 HELOCs
 0.7% 77.1% $407,962 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 16
+4 HELOCs
 0.4% 50% $159,375 View
Regions Bank
360 W State Road 436, Altamonte Springs, FL 32714
A+5.0 ★Texas Ratio: 4.37%
 Conventional, FHA, VA, Jumbo, HELOC 14
+15 HELOCs
 0.4% 53.6% $440,000 View
Bank of America NA
460 E Altamonte Dr, Altamonte Springs, FL 32701
A+5.0 ★Texas Ratio: 4.14%
 Conventional, HELOC 12
+33 HELOCs
 0.3% 80% $308,333 View
Addition Financial Credit Union
847 S Orange Blossom Trl, Apopka, FL 32703
A5.0 ★Texas Ratio: 6.85%
 Conventional, HELOC 11
+33 HELOCs
 0.3% 76.5% $116,818 View
Truist Bank
★ 1 stars, 1 review
1198 Commerce Park Dr, Altamonte Springs, FL 32714
A+5.0 ★Texas Ratio: 2.87%
 Conventional, Jumbo, HELOC 11
+21 HELOCs
 0.3% 73.3% $511,363 View
Space Coast Credit Union
20437 State Road 7, Boca Raton, FL 33498
A+5.0 ★Texas Ratio: 5.37%
 Conventional, HELOC 9
+9 HELOCs
 0.2% 90% $288,333 View
Centennial Bank
22 Avenue E, Apalachicola, FL 32320
A+5.0 ★Texas Ratio: 3.14%
 Conventional, FHA, Jumbo, HELOC 9
+1 HELOCs
 0.2% 75% $611,666 View
Partners Federal Credit Union
5555 N Center Drive, Lake Buena Vista, FL 32830
A+5.0 ★Texas Ratio: 4.65%
 Conventional, HELOC 8
+12 HELOCs
 0.2% 61.5% $160,000 View
Fifth Third Bank, National Association
254 W State Road 436, Altamonte Springs, FL 32714
A+5.0 ★Texas Ratio: 3.22%
 Conventional, FHA, HELOC 7
+10 HELOCs
 0.2% 50% $309,285 View
Third Federal Savings and Loan
70 S Dixie Hwy, Boca Raton, FL 33432
A+5.0 ★Texas Ratio: 2.32%
 Conventional, HELOC 7
+9 HELOCs
 0.2% 42.1% $205,000 View
Wells Fargo Bank NA
1030 Montgomery Rd, Altamonte Springs, FL 32714
A+5.0 ★Texas Ratio: 5.36%
 Conventional, FHA 7 0.2% 53.8% $287,857 View
US Bank, N.A.
9105 Strada Pl, Naples, FL 34108
A+5.0 ★Texas Ratio: 2.85%
 Conventional, FHA 6 0.2% 33.3% $236,666 View
VyStar Credit Union
16201 NW US Highway 441, Alachua, FL 32615 6399
A5.0 ★Texas Ratio: 9.56%
 Conventional 5 0.1% 66.7% $265,000 View
Launch Credit Union
14640 Hanger Rd, Cape Canaveral, FL 32920
A5.0 ★Texas Ratio: 7.61%
 Conventional 4 0.1% 50% $77,500 View
Mccoy Federal Credit Union
931 N Park Ave, Apopka, FL 32712
A+5.0 ★Texas Ratio: 3.49%
 Conventional 4 0.1% 36.4% $100,000 View
Suncoast Credit Union
1328 E Oak St, Arcadia, FL 34266
A5.0 ★Texas Ratio: 6.26%
 Conventional, HELOC 3
+9 HELOCs
 0.1% 100% $365,000 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 3
+4 HELOCs
 0.1% 50% $285,000 View
Triad Financial Services, Inc.
1209 Kingsway Rd, Brandon, FL 33510
A+5.0 ★Texas Ratio: 5.93%
 Conventional 3 0.1% 33.3% $65,000 View
First Federal Bank
300 N Waukesha St, Bonifay, FL 32425
A+5.0 ★Texas Ratio: 1.10%
 Conventional, VA 3 0.1% 100% $511,666 View
PNC Bank N.A.
★ 1.7 stars, 3 reviews
900 W State Road 436, Altamonte Springs, FL 32714
A+5.0 ★Texas Ratio: 4.24%
 Conventional, HELOC 2
+15 HELOCs
 0.1% 100% $480,000 View
United Community Bank
601 South Federal Highway, Boca Raton, FL 33432
A+5.0 ★Texas Ratio: 2.97%
 Conventional, HELOC 2
+1 HELOCs
 0.1% 100% $490,000 View
Citibank, NA
18999 Biscayne Blvd, Aventura, FL 33180
A+5.0 ★Texas Ratio: 2.82%
 Conventional, FHA, Jumbo, HELOC 2
+1 HELOCs
 0.1% 100% $745,000 View
Huntington National Bank
8889 Pelican Bay Blvd, Naples, FL 34108
A+5.0 ★Texas Ratio: 3.66%
 Conventional 2 0.1% 100% $310,000 View
Flagstar Bank NA
20423 State Road 7, Boca Raton, FL 33498
D3.3 ★Texas Ratio: 35.11%
 Conventional, FHA 2 0.1% 50% $285,000 View
Helm Bank USA
999 Brickell Ave, Miami, FL 33131
A5.0 ★Texas Ratio: 10.01%
 Conventional 2 0.1% 100% $295,000 View
Intercredit Bank, N.A.
1430 S Dixie Hwy Ste 104, Coral Gables, FL 33146
 Conventional 2 0.1% 66.7% $245,000
Ameris Bank
★ 4 stars, 1 review
16763 Se Pear St, Blountstown, FL 32424
A+5.0 ★Texas Ratio: 1.82%
 Conventional 2 0.1% 100% $370,000 View
First Ciitizens Bank and Trust
101 Indian Rocks Rd N, Belleair Bluffs, FL 33770
A5.0 ★Texas Ratio: 7.72%
 Conventional, HELOC 1
+1 HELOCs
 0% 100% $425,000 View
M&T Bank
850 Park Shore Drive, Naples, FL 34103
A+5.0 ★Texas Ratio: 4.11%
 VA 1 0% 50% $365,000 View
City National Bank of Florida
2999 Ne 191st St, Aventura, FL 33180
A5.0 ★Texas Ratio: 7.12%
 FHA 1 0% 50% $405,000 View
Orlando Credit Union
1662 W Orange Blossom Trl, Apopka, FL 32712 2641
A+5.0 ★Texas Ratio: 4.22%
 Conventional 1 0% 33.3% $65,000 View
Commerce Bank
10010 Coconut Rd, Bonita Springs, FL 34135
A+5.0 ★Texas Ratio: 0.89%
 Conventional 1 0% 100% $445,000 View
Cogent Bank
1001 3rd Ave W, Bradenton, FL 34205
A+5.0 ★Texas Ratio: 2.54%
 Conventional 1 0% 100% $345,000 View
Florida Capital Bank, N.A
241 Sw 7th Ter, Gainesville, FL 32601
 VA 1 0% 100% $655,000
Seacoast National Bank
★ 5 stars, 1 review
345 E Main St, Apopka, FL 32703
A+5.0 ★Texas Ratio: 2.72%
 HELOC 0
+8 HELOCs
 0% n/a View
Citizens Bank, NA
2222 Ponce De Leon Blvd, Coral Gables, FL 33134
A+5.0 ★Texas Ratio: 5.44%
 HELOC 0
+7 HELOCs
 0% n/a View
TD Bank
514 E Altamonte Dr, Altamonte Springs, FL 32701
A+5.0 ★Texas Ratio: 3.71%
 HELOC 0
+4 HELOCs
 0% 0% View
Community Credit Union of Florida
660 West Ave, Cocoa, FL 32927 4971
A+5.0 ★Texas Ratio: 1.43%
 HELOC 0
+2 HELOCs
 0% n/a View
Usf Credit Union
16032 Preserve Marketplace Blvd, Odessa, FL 33556
A+5.0 ★Texas Ratio: 5.76%
 HELOC 0
+1 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
Lennar Mortgage, LLC
 Conventional, FHA, VA 166 4.2% 69.2% $398,012
Trailblazer Mortgage L.L.C.
 Conventional, FHA, VA, USDA 119 3% 95.2% $427,436
Taylor Morrison Home Funding, Inc.
 Conventional, FHA, VA, Jumbo 78 2% 58.6% $463,205
Freedom Mortgage Corporation
 Conventional, FHA, VA 60 1.5% 85.7% $409,833
Acrisure Mortgage, LLC
 Conventional, FHA, VA 57 1.4% 90.5% $443,771
The Mortgage Firm
 Conventional, FHA, VA 49 1.2% 98% $309,285
Jet HomeLoans, LP
 Conventional, FHA, VA 36 0.9% 94.9% $496,388
Park Square Home Mortgage, LLC
 Conventional, FHA, VA 13 0.3% 92.9% $371,153
Reliable Holdings Manager dba Lendz Financial
 Conventional 13 0.3% 100% $315,769
A&D Mortgage LLC
A+5.0 ★Texas Ratio: 4.11%
 Conventional, FHA, VA 11 0.3% 91.7% $391,363 View
Alkan Mortgage Corporation
 Conventional, FHA, VA 11 0.3% 92.9% $382,272
Lakeview Loan Servicing, LLC
 Conventional, FHA, VA 9 0.2% 30.1% $257,222
New Day Financial, LLC.
 VA 6 0.2% 54.5% $336,666
First Equity Mortgage Bankers Inc.
 Conventional, FHA 2 0.1% 66.7% $175,000
PHH Mortgage Corporation
 VA 1 0% 100% $455,000
Ready Mortgage Lenders, LLC
 Conventional 1 0% 100% $355,000
DG Pinnacle Funding, LLC
 Conventional 1 0% 100% $105,000
Nqm Funding, LLC
 Conventional 1 0% 33.3% $355,000
LoanFlight Lending, LLC.
 VA 1 0% 100% $515,000
Community First Credit Union of FLorida
A+5.0 ★Texas Ratio: 3.41%
 Conventional 1 0% 100% $265,000 View
Bayfirst Financial
A5.0 ★Texas Ratio: 10.20%
 HELOC 0
+1 HELOCs
 0% n/a View
DHI Mortgage Company, LTD.
 Conventional, FHA, VA 388 9.7% 84.9% $389,149
United Wholesale Mortgage
 Conventional, FHA, VA, Jumbo, HELOC 348
+7 HELOCs
 8.7% 80.7% $377,614
Pulte Mortgage LLC
 Conventional, FHA, VA 326 8.2% 71.4% $396,441
Rocket Mortgage
 Conventional, FHA, VA, Jumbo 216 5.4% 83% $263,194
loanDepot.com LLC
 Conventional, FHA, VA, HELOC 143
+5 HELOCs
 3.6% 85.7% $342,342
Nfm, Inc
 Conventional, FHA, VA 117 2.9% 95.1% $440,982
M/I Financial. LLC
 Conventional, FHA, VA 117 2.9% 92.8% $408,589
Vanderbilt Mortgage and Finance, Inc
 Conventional, FHA, VA, USDA 113 2.8% 94.3% $348,982
Pennymac Loan Services LLC
 Conventional, FHA, VA 69 1.7% 78.9% $272,536
CrossCountry Mortgage, LLC
 Conventional, FHA, VA, USDA, Jumbo, HELOC 67
+5 HELOCs
 1.7% 91.8% $381,417
New American Funding, LLC.
 Conventional, FHA, VA, Jumbo, HELOC 54
+5 HELOCs
 1.4% 88.5% $381,851
First Heritage Mortgage, LLC
 Conventional, FHA, VA 50 1.3% 94.3% $399,800
Northpoint Mortgage, Inc.
A5.0 ★Texas Ratio: 8.47%
 Conventional, FHA, VA 39 1% 95.1% $422,692 View
Guaranteed Rate, Inc.
 Conventional, FHA, VA, HELOC 38
+2 HELOCs
 1% 88.4% $415,526
Stg Mortgage Inc
 Conventional, FHA 38 1% 95.2% $424,736
Navy Federal Credit Union
A5.0 ★Texas Ratio: 8.14%
 Conventional, VA, HELOC 36
+19 HELOCs
 0.9% 63.3% $202,500
Nvr Mortgage Finance, Inc.
 Conventional, FHA, VA 35 0.9% 66% $427,857
PFN Lending Group, Inc.
 Conventional, FHA 32 0.8% 94.1% $460,937
Newrez LLC
A5.0 ★Texas Ratio: 8.10%
 Conventional, FHA, VA, Jumbo 31 0.8% 50.8% $391,129 View
Cornerstone First Mortgage, LLC
 Conventional, FHA 30 0.8% 96.8% $409,000
Mortgage Research Center
 Conventional, VA 30 0.8% 53.4% $403,000
Homeamerican Mortgage Corporation
 Conventional, FHA, VA 28 0.7% 93.5% $453,214
American Neighborhood Mortgage Acceptance Company
 Conventional, FHA, VA 27 0.7% 96.4% $410,185
Movement Mortgage, LLC
 Conventional, FHA, VA, HELOC 25
+1 HELOCs
 0.6% 100% $273,800
Nationstar Mortgage
 Conventional, FHA, VA 22 0.6% 59.5% $129,545
Cmg Mortgage Inc
A+5.0 ★Texas Ratio: 2.02%
 Conventional, FHA, VA, USDA, Jumbo, HELOC 21
+3 HELOCs
 0.5% 89.3% $420,714 View
Spring Eq, LLC
 Conventional, HELOC 20
+12 HELOCs
 0.5% 35.6% $84,500
Primelending
 Conventional, FHA, VA 19 0.5% 95.5% $407,631
Paramount Residential Mortgage
 Conventional, FHA, VA 19 0.5% 86.4% $389,210
Guild Mortgage Company
 Conventional, FHA, VA 18 0.5% 85.7% $446,666
Geo-Corp, Inc.
 FHA 15 0.4% 93.8% $411,000
Plains Commerce Bank
A5.0 ★Texas Ratio: 9.09%
 Conventional, FHA, VA 15 0.4% 88.2% $275,000 View
Mortgage Equity Partners LLC
 Conventional, FHA 14 0.4% 100% $350,714
Fairway Independent Mort Corp
 Conventional, FHA, VA, Jumbo 14 0.4% 100% $357,857
Plaza Home Mortgage, Inc
 Conventional, FHA, VA 14 0.4% 70% $324,285
The Loan Store, Inc
 Conventional, FHA, VA, HELOC 13
+7 HELOCs
 0.3% 93.3% $336,538
Village Capital & Investment
 FHA, VA 13 0.3% 88.9% $460,384
Kind Lending, LLC
 Conventional, FHA, VA, HELOC 12
+1 HELOCs
 0.3% 54.5% $374,166
Amerisave Mortgage Company
 Conventional, FHA 12 0.3% 34.3% $96,666
Atlantic Bay Mortgage Group
 Conventional, FHA, VA 12 0.3% 100% $275,000
Planet Home Lending, LLC
 Conventional, FHA, VA 12 0.3% 75% $385,833
Zillow Home Loans, LLC
 Conventional, FHA, VA 10 0.3% 78.6% $344,000
21St Mortgage
 Conventional 10 0.3% 26.8% $118,000
Champions Funding, LLC
 Conventional, Jumbo 10 0.3% 76.9% $379,000
American Portfolio Mortgage Corporation
 Conventional, FHA, VA 9 0.2% 100% $306,111
Ocmbc, Inc.
A5.0 ★Texas Ratio: 6.69%
 Conventional, FHA, VA 9 0.2% 92.3% $336,111 View
Cardinal Financial Company, Li
 Conventional, FHA 9 0.2% 91.7% $298,333
Waterstone Mortgage Corporation
 Conventional, FHA, VA 9 0.2% 100% $315,000
The Federal Savings Bank
B+4.8 ★Texas Ratio: 16.98%
 Conventional, VA 9 0.2% 100% $377,222 View
Carrington Mortgage Services LLC
A+5.0 ★Texas Ratio: 0.00%
 Conventional, FHA, VA 9 0.2% 31.4% $228,333 View
All Credit Considered Mortgage, Inc.
 Conventional 8 0.2% 100% $326,250
My Mortgage, Inc
 Conventional, FHA, VA 8 0.2% 100% $405,000
Lower, LLC
A-4.9 ★Texas Ratio: 16.71%
 Conventional, FHA, HELOC 6
+1 HELOCs
 0.2% 100% $378,333 View
EMM Loans LLC
 Conventional, FHA, VA 6 0.2% 100% $335,000
First Community Mortgage, Inc.
 Conventional, FHA 6 0.2% 85.7% $343,333
Cliffco, Inc.
 Conventional, FHA, VA 6 0.2% 100% $386,666
Equity Prime Mortgage LLC
 FHA, VA 6 0.2% 60% $376,666
Provident Funding Associates
 Conventional 6 0.2% 85.7% $365,000
American Pacific Mortgage Corporation
 Conventional, FHA 6 0.2% 50% $233,333
Better Mortgage Corporation
 Conventional, Jumbo 6 0.2% 100% $370,000
Mutual of Omaha Mortgage
 Conventional, FHA, VA 6 0.2% 85.7% $433,333
Ixonia Bank
A+5.0 ★Texas Ratio: 2.14%
 Conventional, FHA, VA 6 0.2% 60% $326,666 View
HomeBridge Financial Services, Inc
 Conventional, FHA, VA, HELOC 5
+11 HELOCs
 0.1% 71.4% $409,000
American Financial Resources LLC
 Conventional, FHA 5 0.1% 85.7% $295,000
Everett Financial, Inc.
 Conventional, FHA 5 0.1% 83.3% $301,000
Toll Brothers Mortgage Company
 Conventional, VA, Jumbo 5 0.1% 77.8% $693,000
Sun West Mortgage Company, Inc
 Conventional, FHA, VA 5 0.1% 81.8% $337,000
Click n' Close, Inc.
 Conventional, FHA 5 0.1% 100% $307,000
Point Mortgage Corp
 Conventional, FHA 5 0.1% 100% $283,000
Citadel Servicing Corporation
 Conventional, Jumbo 5 0.1% 100% $499,000
JMAC Lending, Inc.
 Conventional, FHA, VA 5 0.1% 100% $341,000
AmWest Funding Corp
 Conventional, HELOC 4
+2 HELOCs
 0.1% 80% $412,500
Guaranteed Rate Affinity, LLC
 Conventional, FHA, VA, Jumbo 4 0.1% 100% $575,000
Gold Star Mortgage Financial Group, Corporation
 FHA, VA 4 0.1% 85.7% $377,500
AmeriHome Mortgage Company, LLC
 Conventional, FHA 4 0.1% 57.1% $360,000
Loanunited.Com, LLC
 FHA, VA 4 0.1% 100% $385,000
Filo Mortgage, LLC
 Conventional, FHA, VA 4 0.1% 80% $425,000
AdvantageFirst Lending Inc
 FHA, VA 4 0.1% 57.1% $270,000
American Financial Network, Inc.
 Conventional, FHA 4 0.1% 80% $360,000
Discover Bank
 Conventional 4 0.1% 12.1% $75,000
Change Lending
A+5.0 ★Texas Ratio: 3.68%
 Conventional 4 0.1% 66.7% $415,000 View
Ark-La-Tex Financial Services LLC
 Conventional, FHA 4 0.1% 100% $250,000
Luminate Bank
A5.0 ★Texas Ratio: 11.06%
 Conventional, FHA 3 0.1% 100% $381,666 View
Bell Bank
A+5.0 ★Texas Ratio: 3.66%
 Conventional, FHA 3 0.1% 100% $218,333 View
Union Home Mortgage Corp.
 Conventional, FHA, VA 3 0.1% 75% $351,666
Mid-Continent Funding, Inc.
 VA 3 0.1% 100% $545,000
Usaa Federal Savings Bank
B-3.5 ★Texas Ratio: 6.80%
 VA 3 0.1% 75% $335,000 View
Nations Lending Corporation
 FHA, VA 3 0.1% 100% $525,000
Towne Mortgage Company
 Conventional, FHA 3 0.1% 100% $261,666
Mortgage Solutions of Colorado
 FHA, VA 3 0.1% 100% $328,333
Nationwide Mortgage Bankers, Inc.
 FHA 3 0.1% 100% $365,000
Meadowbrook Financial Mortgage Bankers Corp.
 Conventional, FHA 3 0.1% 100% $311,666
Leaderone Financial Corp.
 Conventional, FHA, VA 3 0.1% 100% $285,000
Pentagon Federal Credit Union
 Conventional, HELOC 2
+7 HELOCs
 0.1% 28.6% $135,000
Arc Home LLC
 Conventional 2 0.1% 100% $380,000
Originpoint, LLC
 Conventional 2 0.1% 100% $220,000
Premia Mortgage, LLC
A5.0 ★Texas Ratio: 13.21%
 Conventional 2 0.1% 100% $425,000 View
Aspire Home Loans
 FHA, USDA 2 0.1% 100% $340,000
Sage Home Loans Corporation
 Conventional 2 0.1% 100% $470,000
Gateway First Bank
B+4.8 ★Texas Ratio: 17.16%
 Conventional 2 0.1% 100% $330,000 View
Resicentral LLC
 Conventional 2 0.1% 66.7% $410,000
Deephaven Mortgage LLC
 Conventional 2 0.1% 40% $190,000
Fidelity Direct Mortgage, LLC
 Conventional, FHA 2 0.1% 66.7% $530,000
City Lending Inc.
A+5.0 ★Texas Ratio: 1.71%
 Conventional, FHA 2 0.1% 50% $245,000 View
Developer's Mortgage Company
 Conventional 2 0.1% 100% $335,000
New Wave Lending Group Inc
 Conventional 2 0.1% 100% $415,000
Evergreen Moneysource Mortgage Company
 FHA 2 0.1% 100% $310,000
Churchill Mortgage Corporation
 Conventional, VA 2 0.1% 100% $440,000
Intelliloan, Inc.
 FHA 2 0.1% 100% $385,000
T2 Financial LLC
 FHA 2 0.1% 100% $380,000
Hometown Equity Mortgage, LLC
 Conventional 2 0.1% 37.5% $285,000
Keystone Funding, Inc
 Conventional, FHA 2 0.1% 100% $255,000
Logan Finance Corporation
 Conventional 2 0.1% 100% $430,000
Summit Funding.Inc
 Conventional, VA 2 0.1% 100% $420,000
Prosperity Home Mortgage, LLC
 Conventional 2 0.1% 40% $345,000
Sofi Bank, National Association
A+5.0 ★Texas Ratio: 0.51%
 Conventional 2 0.1% 66.7% $70,000 View
Nexera Holding LLC
 Conventional 2 0.1% 100% $555,000
Quontic Bank
C+4.1 ★Texas Ratio: 25.91%
 Conventional, Jumbo 2 0.1% 100% $750,000 View
Top Flite Financial, Inc.
 Conventional, FHA 2 0.1% 66.7% $385,000
Gershman Investment Corp.
 Conventional, FHA 2 0.1% 100% $415,000
Alliant Credit Union
A+5.0 ★Texas Ratio: 3.22%
 Conventional, HELOC 1
+6 HELOCs
 0% 100% $395,000 View
Empeople Credit Union
 Conventional, HELOC 1
+1 HELOCs
 0% 100% $425,000
Angel Oak Mortgage Solutions LLC
 Conventional, HELOC 1
+1 HELOCs
 0% 50% $195,000
Semper Home Loans, Inc
 FHA 1 0% 100% $355,000
American Airlines Federal Cred
 Conventional 1 0% 100% $135,000
Old National Bank
A+5.0 ★Texas Ratio: 4.98%
 Conventional 1 0% 100% $325,000 View
Residential Wholesale Mortgage
 Conventional 1 0% 100% $335,000
Maine Savings Federal Credit Union
 Conventional 1 0% 100% $265,000
Fundloans Capital
 Conventional 1 0% 100% $405,000
Atlantic Coast Mortgage, LLC
 VA 1 0% 100% $465,000
Charles Schwab Bank, Ssb
A+5.0 ★Texas Ratio: 0.14%
 Conventional 1 0% 100% $395,000 View
MidFirst Bank
A+5.0 ★Texas Ratio: 4.93%
 FHA 1 0% 100% $165,000 View
Countryplace Mortgage, Ltd.
 Conventional 1 0% 100% $65,000
Success Lending, LLC
A+5.0 ★Texas Ratio: 3.62%
 FHA 1 0% 100% $265,000 View
Nbkc Bank
 Conventional 1 0% 100% $395,000
ALCOVA Mortgage, LLC
 VA 1 0% 100% $405,000
Loansteady LLC
 Conventional 1 0% 100% $285,000
Dart Bank
 FHA 1 0% 100% $325,000
Advancial Federal Credit Union
 Conventional 1 0% 100% $345,000
Bison State Bank
A+5.0 ★Texas Ratio: 2.38%
 VA 1 0% 100% $395,000 View
Oaktree Funding Corp
 Conventional 1 0% 100% $255,000
Farmers Bank & Trust
A+5.0 ★Texas Ratio: 0.65%
 Conventional 1 0% 100% $595,000 View
Bridgeway Lending Partners, LLC
 Conventional 1 0% 100% $365,000
Grace Home Lending, LLC
 Conventional 1 0% 100% $435,000
Velocio Mortgage, L.L.C.
 Conventional 1 0% 100% $675,000
HomeXpress Mortgage Corp.
 Conventional 1 0% 50% $555,000
Northpointe Bank
A5.0 ★Texas Ratio: 8.47%
 Conventional 1 0% 100% $465,000 View
Michigan Mutual, Inc
 VA 1 0% 100% $435,000
American Liberty Mortgage Inco
 FHA 1 0% 100% $465,000
NJ Lenders Corp
 Conventional 1 0% 100% $525,000
Success Mortgage Partners, Inc
 FHA 1 0% 100% $375,000
Googain, Inc.
 Conventional 1 0% 100% $315,000
Quorum Federal Credit Union
 Conventional 1 0% 100% $55,000
Sfmc, LP
 Conventional 1 0% 100% $225,000
Absolute Home Mortgage
 FHA 1 0% 100% $535,000
Intercoastal Mortgage, LLC
A+5.0 ★Texas Ratio: 0.40%
 FHA 1 0% 100% $315,000 View
Hightechlending, Inc
 FHA 1 0% 100% $325,000
Flexpoint, Inc.
 Conventional 1 0% 100% $735,000
Credit Human Federal Credit Un
 Conventional 1 0% 33.3% $115,000
East Coast Capital Corp.
 Conventional 1 0% 100% $155,000
American Financing Corporation
 FHA 1 0% 16.7% $365,000
Securitynational Mortgage Company
 FHA 1 0% 33.3% $315,000
Bay Equity LLC
 FHA 1 0% 100% $315,000
SIRVA Mortgage, Inc.
 FHA 1 0% 100% $375,000
Strong Home Mortgage, LLC
 Conventional 1 0% 100% $415,000
American Heritage Lending, LLC
 Conventional 1 0% 100% $175,000
Service Federal Credit Union
 Conventional 1 0% 50% $95,000
Calcon Mutual Mortgage LLC
 Conventional 1 0% 100% $235,000
Ameritrust Mortgage Corporation
 FHA 1 0% 100% $335,000
Oceanfirst Bank
A+5.0 ★Texas Ratio: 5.26%
 Conventional 1 0% 100% $355,000 View
Resource Financial Services, Inc.
 Conventional 1 0% 100% $215,000
Credence Funding Corporation
 VA 1 0% 100% $295,000
Universal Lending Corporation
 VA 1 0% 100% $535,000
Embrace Home Loans, Inc.
 Conventional 1 0% 100% $295,000
Armed Forces Bank, N.A.
A+5.0 ★Texas Ratio: 4.81%
 VA 1 0% 100% $405,000 View
BoxCar Mortgage, LLC
 FHA 1 0% 100% $415,000
Lendsure Mortgage Corp.
 Conventional 1 0% 100% $245,000
Wolfe Financial Inc
 Conventional 1 0% 100% $385,000
Sierra Pacific Mortgage Co. Inc
 FHA 1 0% 50% $305,000
Baxter Credit Union
A5.0 ★Texas Ratio: 6.31%
 Conventional 1 0% 100% $25,000
Barrington Bank & Trust Company, N.A.
A+5.0 ★Texas Ratio: 2.20%
 Conventional 1 0% 100% $175,000 View
Milend, Inc
 VA 1 0% 33.3% $405,000
Andrews Federal Credit Union
 Conventional 1 0% 100% $65,000
Bank Ozk
 Conventional 1 0% 100% $805,000
Saygo Home Loans, LLC
 VA 1 0% 100% $335,000
Acopia, LLC
 Conventional 1 0% 100% $175,000
Stockton Mortgage Corporation
 FHA 1 0% 33.3% $275,000
Mission Loans, LLC
 Conventional 1 0% 100% $105,000
Self Help Credit Union
 Conventional 1 0% 100% $215,000
DFCU Financial
 Conventional 1 0% 100% $335,000
Uif Corporation
 Conventional 1 0% 100% $295,000
University Bank
A+5.0 ★Texas Ratio: 3.82%
 FHA 1 0% 100% $305,000 View
Radius Financial Group Inc
 FHA 1 0% 100% $495,000
Genway Home Mortgage, Inc.
 Conventional 1 0% 20% $225,000
Geneva Financial LLC
 VA 1 0% 50% $765,000
RoundPoint Mortgage Servicing LLC
 Conventional 1 0% 100% $565,000
Veritas Funding, LLC
 VA 1 0% 100% $255,000
First National Bank of America
B-4.3 ★Texas Ratio: 23.12%
 Conventional 1 0% 50% $495,000 View
1St 2Nd Mortgage Company of N.J., Inc.
 Conventional 1 0% 100% $325,000
Ussfcu
 Conventional 1 0% 100% $65,000
FM Home Loans LLC
 Conventional 1 0% 100% $345,000
Right Start Mortgage, Inc
 Conventional 1 0% 33.3% $225,000
Local Bank
A5.0 ★Texas Ratio: 8.28%
 Conventional 1 0% 100% $475,000 View
Morgan Stanley Private Bank NA
A4.8 ★Texas Ratio: 2.45%
 Conventional 1 0% 100% $565,000 View
United Nations Federal CU
 Conventional 1 0% 100% $445,000
University Federal Credit Union
A+5.0 ★Texas Ratio: 3.82%
 Conventional 1 0% 100% $245,000 View
Vista Point Mortgage, LLC
 Conventional 1 0% 50% $345,000
Tomo Mortgage LLC
 Conventional 1 0% 100% $455,000
Cake Mortgage Corp.
 Conventional 1 0% 50% $185,000
Figure Lending LLC
 HELOC 0
+27 HELOCs
 0% n/a
Coastal Community Bank
 HELOC 0
+21 HELOCs
 0% n/a
Lendage, LLC dba Achieve Loans
 HELOC 0
+7 HELOCs
 0% n/a
Goodleap, LLC
 HELOC 0
+5 HELOCs
 0% n/a
Wings Financial Credit Union
 HELOC 0
+4 HELOCs
 0% n/a
Fourleaf Federal Credit Union
 HELOC 0
+3 HELOCs
 0% n/a
First Savings Bank
 HELOC 0
+2 HELOCs
 0% n/a
Tower Federal Credit Union
A-4.9 ★Texas Ratio: 16.71%
 HELOC 0
+1 HELOCs
 0% n/a View
Clearview Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Corning Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Greenbox Loans
 HELOC 0
+1 HELOCs
 0% n/a
Synovus Bank
 HELOC 0
+1 HELOCs
 0% n/a
HomeTrust Bank
A+5.0 ★Texas Ratio: 5.53%
 HELOC 0
+1 HELOCs
 0% n/a View
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.

Mortgage Lenders and Mortgage Brokers Near Me in St. Cloud, Florida

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

Types of Mortgage Lenders in St. Cloud, FL

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

Mortgage companies and brokers 186 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 64 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 36 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 127 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 92 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 5 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 20 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 43 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in St. Cloud, FL

Independent mortgage companies closed 89.6 percent of home loans in St. Cloud, Florida in 2025, banks 6.8 percent and credit unions 3.6 percent. Triad Financial Services, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Fairwinds Credit Union the largest credit union. Among lenders headquartered in Florida, Fairwinds Credit Union led with 29 loans.

89.6%
Mortgage companies
6.8%
Banks
3.6%
Credit unions
40%
FHA loans
12%
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 lendersPort St. Lucie 359 lendersCape Coral 422 lendersTampa 363 lendersLehigh Acres 298 lendersOrlando 345 lendersSt. Petersburg 346 lendersPalm Bay 258 lendersSpring Hill 261 lendersTallahassee 233 lendersLakewood Ranch 319 lendersWesley Chapel 255 lenders

Frequently Asked Questions About Mortgage Lenders in St. Cloud, FL

Who is the largest mortgage lender in St. Cloud, FL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in St. Cloud, Florida with 42 loans, about 1.1 percent of the market. The largest lender headquartered in Florida was Fairwinds Credit Union with 29 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in St. Cloud, FL have the highest approval rates?

Among lenders with meaningful volume in St. Cloud, Florida, Trailblazer Mortgage L.L.C. approved the highest share of completed applications in 2025 at 95.2 percent, against a 77.5 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 St. Cloud, FL mortgage lenders offer FHA, VA and USDA loans?

127 lenders closed FHA loans in St. Cloud, Florida in 2025, led by DHI Mortgage Company, LTD. with 267. 92 lenders closed VA loans, led by United Wholesale Mortgage, and 5 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 St. Cloud, FL lender list?

Yes. 64 banks and 36 credit unions closed home loans in St. Cloud, Florida in 2025, alongside 186 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 St. Cloud, FL ranked on this page?

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