Mortgage Lenders and Brokers in St. Marks, Florida
Brian McKay
|
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. Marks, Florida mortgage lenders include Centennial BankCentennial Bank22 Avenue E, Apalachicola, FL 32320A+5.0 ★Texas Ratio: 3.14%, Gulf Winds Credit UnionGulf Winds Credit Union11 Preston Cir, Crawfordville, FL 32327A+5.0 ★Texas Ratio: 2.87%, Servisfirst BankServisfirst Bank316 Racetrack Rd Ne, Fort Walton Beach, FL 32547A5.0 ★Texas Ratio: 8.75%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Prime Meridian BankPrime Meridian Bank2201 Crawfordville Hwy, Crawfordville, FL 32327A+5.0 ★Texas Ratio: 2.17%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, City National Bank of FloridaCity National Bank of Florida2999 Ne 191st St, Aventura, FL 33180A5.0 ★Texas Ratio: 7.12%, Calhoun Liberty Credit UnionCalhoun Liberty Credit Union16076 State Road 71 S, Blountstown, FL 32424 5100A+5.0 ★Texas Ratio: 0.07%, Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%, and Campus USA Credit UnionCampus USA Credit Union14759 NW 157th Ln, Alachua, FL 32615A+5.0 ★Texas Ratio: 2.45%. 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. Marks, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Marks 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. Marks, Florida
Market share is the lender's share of all home loans closed in St. Marks, 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 |
|---|---|---|---|---|---|---|
|
22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14% |
Conventional, FHA, USDA | 5 | 2.2% | 83.3% | $157,000 | View |
|
11 Preston Cir, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +1 HELOCs |
1.8% | 100% | $107,500 | View |
|
316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
Conventional, FHA, VA | 4 | 1.8% | 100% | $212,500 | View |
|
360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA | 3 | 1.3% | 100% | $288,333 | View |
|
2201 Crawfordville Hwy, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.17% |
Conventional | 3 | 1.3% | 100% | $245,000 | View |
|
★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 3 | 1.3% | 100% | $205,000 | View |
|
2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
Conventional, VA | 2 | 0.9% | 100% | $255,000 | View |
|
16076 State Road 71 S, Blountstown, FL 32424 5100 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 2 | 0.9% | 100% | $190,000 | View |
|
70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional | 2 | 0.9% | 100% | $50,000 | View |
|
14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.9% | 100% | $35,000 | View |
|
9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 50% | $655,000 | View |
|
20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
VA | 1 | 0.4% | 50% | $225,000 | View |
|
300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
|
10970 San Jose Boulevard, Jacksonville, FL 32223 A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
|
8300 NW 53rd St, Doral, FL 33166 7710 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 0.4% | 33.3% | $395,000 | View |
|
★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
|
★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 0.4% | 100% | $455,000 | View |
|
4472 Lafayette St, Marianna, FL 32446 A+5.0 ★Texas Ratio: 3.60% |
HELOC | 0 +3 HELOCs |
0% | 33.3% | View | |
|
15000 Nw 140th St, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
345 E James Lee Blvd, Crestview, FL 32539 A+5.0 ★Texas Ratio: 3.09% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lakeview Loan Servicing, LLC
|
Conventional | 1 | 0.4% | 100% | $195,000 | |
Freedom Mortgage Corporation
|
VA | 1 | 0.4% | 66.7% | $295,000 | |
|
A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA, VA, USDA | 27 | 12.1% | 100% | $210,185 | View |
loanDepot.com LLC
|
Conventional, FHA, VA, HELOC | 18 +1 HELOCs |
8.1% | 94.7% | $147,222 | |
Rocket Mortgage
|
Conventional, FHA, VA | 17 | 7.6% | 85% | $169,705 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo | 15 | 6.7% | 83.3% | $273,666 | |
|
A+5.0 ★Texas Ratio: 2.55% |
Conventional, FHA, USDA | 15 | 6.7% | 93.8% | $237,000 | View |
Movement Mortgage, LLC
|
Conventional, FHA | 13 | 5.8% | 94.4% | $206,538 | |
DHI Mortgage Company, LTD.
|
Conventional, FHA | 11 | 4.9% | 92.3% | $286,818 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 5 | 2.2% | 62.5% | $187,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 4 | 1.8% | 100% | $107,500 | View |
Mortgage Research Center
|
VA | 4 | 1.8% | 57.1% | $232,500 | |
Towne Mortgage Company
|
Conventional | 4 | 1.8% | 100% | $232,500 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 1.8% | 100% | $170,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, USDA | 3 | 1.3% | 100% | $208,333 | |
|
A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA | 3 | 1.3% | 75% | $138,333 | View |
Nationstar Mortgage
|
Conventional, FHA | 3 | 1.3% | 100% | $101,666 | |
Primary Residential Mortgage, INC.
|
Conventional | 2 | 0.9% | 100% | $125,000 | |
|
A5.0 ★Texas Ratio: 8.10% |
FHA, VA | 2 | 0.9% | 100% | $215,000 | View |
American Financial Network, Inc.
|
Conventional, USDA | 2 | 0.9% | 100% | $115,000 | |
Thomasville National Bank
|
Conventional | 2 | 0.9% | 100% | $410,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 2 | 0.9% | 100% | $115,000 | View |
American Pacific Mortgage Corporation
|
Conventional, FHA | 2 | 0.9% | 100% | $180,000 | |
Mortgage Solutions of Colorado
|
VA | 2 | 0.9% | 100% | $220,000 | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 2 | 0.9% | 66.7% | $105,000 | View |
American Neighborhood Mortgage Acceptance Company
|
Conventional, FHA | 2 | 0.9% | 66.7% | $220,000 | |
First Community Mortgage, Inc.
|
Conventional | 1 | 0.4% | 100% | $275,000 | |
Gold Star Mortgage Financial Group, Corporation
|
Conventional | 1 | 0.4% | 100% | $165,000 | |
Envoy Mortgage, Ltd
|
Conventional | 1 | 0.4% | 100% | $355,000 | |
|
A+5.0 ★Texas Ratio: 5.29% |
FHA | 1 | 0.4% | 100% | $205,000 | View |
Amerisave Mortgage Company
|
Conventional | 1 | 0.4% | 50% | $95,000 | |
Guild Mortgage Company
|
Conventional | 1 | 0.4% | 100% | $215,000 | |
|
A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.4% | 100% | $115,000 | View |
VanDyk Mortgage Corporation
|
USDA | 1 | 0.4% | 100% | $205,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 50% | $205,000 | View |
Atlantic Bay Mortgage Group
|
Conventional | 1 | 0.4% | 100% | $105,000 | |
Credence Funding Corporation
|
VA | 1 | 0.4% | 100% | $265,000 | |
The Loan Store, Inc
|
Conventional | 1 | 0.4% | 100% | $165,000 | |
|
A-4.9 ★Texas Ratio: 16.71% |
FHA | 1 | 0.4% | 100% | $245,000 | View |
Fairway Independent Mort Corp
|
FHA | 1 | 0.4% | 100% | $215,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
Paramount Residential Mortgage
|
USDA | 1 | 0.4% | 100% | $335,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 1 | 0.4% | 50% | $145,000 | |
Spring Eq, LLC
|
Conventional | 1 | 0.4% | 100% | $55,000 | |
Plaza Home Mortgage, Inc
|
FHA | 1 | 0.4% | 50% | $235,000 | |
Village Capital & Investment
|
VA | 1 | 0.4% | 100% | $555,000 | |
Fourleaf Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
|
HELOC | 0 +1 HELOCs |
0% | n/a |
St. Marks 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 St. Marks, Florida
Looking for mortgage lenders near me or mortgage brokers near me in St. Marks? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Marks in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Marks, FL
Use these to narrow the list above. Each category shows how many St. Marks, FL lenders fit and what that kind of lender is usually best for.
Who Lends in St. Marks, FL
Independent mortgage companies closed 57 percent of home loans in St. Marks, Florida in 2025, banks 36.8 percent and credit unions 6.3 percent. Lakeview Loan Servicing, LLC was the largest mortgage company, Centennial Bank the largest bank and Gulf Winds Credit Union the largest credit union. Among lenders headquartered in Florida, Gulf Winds 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 St. Marks, FL
By home loans closed in 2025, Centennial Bank was the largest mortgage lender in St. Marks, Florida with 5 loans, about 2.2 percent of the market. The largest lender headquartered in Florida was Gulf Winds Credit Union with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
24 lenders closed FHA loans in St. Marks, Florida in 2025, led by Capital City Home Loans, LLC with 12. 16 lenders closed VA loans, led by Mortgage Research Center, and 7 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. 24 banks and 8 credit unions closed home loans in St. Marks, Florida in 2025, alongside 37 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 St. Marks, 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. Marks, 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. Marks. 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.
