☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Florida / Valrico

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Valrico, Florida

Content reviewed by

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

Valrico, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3414 Lithia Pinecrest Rd, Valrico, FL 33596A+5.0 ★Texas Ratio: 3.68%, Regions BankRegions Bank3522 Bell Shoals Rd, Valrico, FL 33596A+5.0 ★Texas Ratio: 4.37%, Truist BankTruist Bank3511 Bell Shoals Rd, Valrico, FL 33596A+5.0 ★Texas Ratio: 2.87%, Southstate Bank, National AssociationSouthstate Bank, National Association1815 E State Road 60, Valrico, FL 33594A+5.0 ★Texas Ratio: 2.27%, TD BankTD Bank2170 Bloomingdale Ave, Valrico, FL 33596A+5.0 ★Texas Ratio: 3.71%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1909 E State Rd 60, Valrico, FL 33594A+5.0 ★Texas Ratio: 3.22%, Citizens Bank and TrustCitizens Bank and Trust1016 Bloomingdale Ave, Valrico, FL 33596D2.1 ★Texas Ratio: 5.22%, Suncoast Credit UnionSuncoast Credit Union3234 S Miller Rd, Valrico, FL 33596A5.0 ★Texas Ratio: 6.26%, Midflorida Credit UnionMidflorida Credit Union1199 Spring Centre South Blvd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.18%, and Gte Federal Credit UnionGte Federal Credit Union7375 University Pkwy, Bradenton, FL 34202 2300A5.0 ★Texas Ratio: 7.65%. 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 Valrico, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Valrico 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 Valrico, Florida

Market share is the lender's share of all home loans closed in Valrico, 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
JPMorgan Chase Bank, NA 2 offices in Valrico 3414 Lithia Pinecrest Rd, Valrico, FL 33596 A+5.0 ★Texas Ratio: 3.68%	Conventional	10	1.5%	100%	$360,000	View
Regions Bank 1 office in Valrico 3522 Bell Shoals Rd, Valrico, FL 33596 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, Jumbo, HELOC	6 +10 HELOCs	0.9%	58.3%	$395,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Valrico 3511 Bell Shoals Rd, Valrico, FL 33596 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, Jumbo, HELOC	6 +10 HELOCs	0.9%	75%	$403,333	View
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Valrico 1815 E State Road 60, Valrico, FL 33594 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, HELOC	6 +2 HELOCs	0.9%	100%	$68,333	View
TD Bank 1 office in Valrico 2170 Bloomingdale Ave, Valrico, FL 33596 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	3 +3 HELOCs	0.5%	100%	$405,000	View
Fifth Third Bank, National Association 2 offices in Valrico 1909 E State Rd 60, Valrico, FL 33594 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +7 HELOCs	0.2%	25%	$355,000	View
Citizens Bank and Trust 1 office in Valrico 1016 Bloomingdale Ave, Valrico, FL 33596 D2.1 ★Texas Ratio: 5.22%	Conventional	1	0.2%	100%	$565,000	View
Suncoast Credit Union 3234 S Miller Rd, Valrico, FL 33596 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	17 +52 HELOCs	2.6%	81%	$350,294	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	10 +7 HELOCs	1.5%	61.1%	$120,000	View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	Conventional, FHA	6	0.9%	54.5%	$183,333	View
Grow Financial Federal Credit Union 11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70%	Conventional	5	0.8%	75%	$77,000	View
Wells Fargo Bank NA 1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	4	0.6%	100%	$185,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +6 HELOCs	0.5%	50%	$65,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional	3	0.5%	42.9%	$381,666	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	3	0.5%	37.5%	$41,666	View
Usf Credit Union 16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	2 +1 HELOCs	0.3%	100%	$400,000	View
Republic Bank & Trust 12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91%	Conventional, HELOC	2 +1 HELOCs	0.3%	100%	$115,000	View
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	Conventional	2	0.3%	100%	$425,000	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	1 +5 HELOCs	0.2%	100%	$295,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo	1	0.2%	50%	$1,315,000	View
Floridacentral Credit Union 701 9th St W, Bradenton, FL 34205 8656 A+5.0 ★Texas Ratio: 5.46%	Conventional	1	0.2%	100%	$455,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	VA	1	0.2%	100%	$415,000	View
The Bank of Tampa 10650 Boardwalk Loop, Bradenton, FL 34202 A+5.0 ★Texas Ratio: 2.04%	Conventional	1	0.2%	100%	$55,000	View
Bank of America NA 460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +13 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 +2 HELOCs	0%	n/a		View
Trustco Bank ★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Hancock Whitney Bank ★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41%	HELOC	0 +1 HELOCs	0%	n/a		View
Florida Credit Union 10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76%	HELOC	0 +1 HELOCs	0%	n/a		View
BMO Harris Bank NA 5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +1 HELOCs	0%	n/a		View
Valley National Bank 19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +1 HELOCs	0%	n/a		View
First American Bank 540 Biltmore Way, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Freedom Mortgage Corporation	FHA, VA	14	2.1%	88.2%	$349,285
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	3	0.5%	100%	$435,000	View
New Day Financial, LLC.	VA	3	0.5%	42.9%	$398,333
PHH Mortgage Corporation	Conventional	2	0.3%	100%	$230,000
Lakeview Loan Servicing, LLC	VA	1	0.2%	41.7%	$375,000
Obsidian Financial Services	FHA	1	0.2%	100%	$475,000
Fairway Funding Group, Inc	Conventional	1	0.2%	100%	$435,000
Home Access Financial, LLC	Conventional	1	0.2%	100%	$205,000
Bayfirst Financial A5.0 ★Texas Ratio: 10.20%	HELOC	0 +1 HELOCs	0%	n/a		View
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	85 +7 HELOCs	12.8%	84.2%	$390,764
Rocket Mortgage	Conventional, FHA, VA	79	11.9%	83.2%	$235,886
Pennymac Loan Services LLC	Conventional, FHA	25	3.8%	84.8%	$271,800
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	19 +11 HELOCs	2.9%	80.8%	$261,315
Click n' Close, Inc.	Conventional, FHA	14	2.1%	93.3%	$239,285
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	13 +3 HELOCs	2%	100%	$361,923
Union Home Mortgage Corp.	Conventional, FHA, VA	13	2%	100%	$381,923
Nationstar Mortgage	Conventional	13	2%	86.7%	$218,846
New American Funding, LLC.	Conventional, FHA, VA, HELOC	12 +1 HELOCs	1.8%	85.7%	$320,833
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo	12	1.8%	100%	$405,833
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, Jumbo	12	1.8%	86.7%	$545,000	View
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA, Jumbo	11	1.7%	57.9%	$387,727	View
Mortgage Research Center	VA	10	1.5%	50%	$470,000
loanDepot.com LLC	Conventional, VA, HELOC	9 +2 HELOCs	1.4%	62.5%	$258,333
Fairway Independent Mort Corp	Conventional, FHA, VA	9	1.4%	100%	$357,222
Pulte Mortgage LLC	Conventional, VA	8	1.2%	100%	$422,500
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	8	1.2%	47.4%	$193,750	View
Kind Lending, LLC	Conventional, FHA, VA	7	1.1%	88.9%	$329,285
Point Mortgage Corp	Conventional, FHA	7	1.1%	100%	$250,714
The Loan Store, Inc	Conventional, FHA, HELOC	6 +3 HELOCs	0.9%	100%	$405,000
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA, HELOC	6 +2 HELOCs	0.9%	100%	$363,333
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	6	0.9%	75%	$163,333	View
JMAC Lending, Inc.	Conventional, FHA	6	0.9%	100%	$423,333
Paramount Residential Mortgage	Conventional, FHA, VA	5	0.8%	71.4%	$381,000
Spring Eq, LLC	Conventional, HELOC	4 +5 HELOCs	0.6%	57.1%	$147,500
American Financial Resources LLC	FHA, VA	4	0.6%	80%	$467,500
Amerisave Mortgage Company	Conventional, FHA	4	0.6%	28.6%	$130,000
Guild Mortgage Company	Conventional, FHA	4	0.6%	80%	$265,000
American Financial Network, Inc.	FHA, VA	4	0.6%	100%	$345,000
Sun West Mortgage Company, Inc	FHA, VA	4	0.6%	100%	$472,500
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.6%	80%	$167,500	View
Cornerstone First Mortgage, LLC	Conventional, FHA	3	0.5%	100%	$285,000
Everett Financial, Inc.	Conventional, FHA	3	0.5%	75%	$321,666
NJ Lenders Corp	Conventional	3	0.5%	100%	$271,666
VanDyk Mortgage Corporation	Conventional, FHA	3	0.5%	100%	$321,666
Ameritrust Mortgage Corporation	FHA, VA	3	0.5%	100%	$508,333
Nfm, Inc	Conventional	3	0.5%	100%	$455,000
T2 Financial LLC	Conventional, FHA	3	0.5%	100%	$505,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	3	0.5%	75%	$621,666	View
Village Capital & Investment	FHA, VA	3	0.5%	83.3%	$481,666
Sierra Pacific Mortgage Co. Inc	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$490,000
Guaranteed Rate, Inc.	Conventional, VA	2	0.3%	100%	$495,000
Sage Home Loans Corporation	Conventional	2	0.3%	66.7%	$545,000
Nbkc Bank	VA	2	0.3%	100%	$645,000
AmeriHome Mortgage Company, LLC	Conventional	2	0.3%	100%	$330,000
Loanunited.Com, LLC	FHA, VA	2	0.3%	100%	$320,000
Credit Human Federal Credit Un	Conventional	2	0.3%	66.7%	$60,000
Weichert Financial Services	Conventional	2	0.3%	100%	$505,000
Homeowners Financial Group, LLC	Conventional, FHA	2	0.3%	100%	$330,000
My Mortgage, Inc	FHA	2	0.3%	100%	$360,000
Churchill Mortgage Corporation	FHA	2	0.3%	100%	$340,000
Union Savings Bank	Conventional	2	0.3%	100%	$515,000
Citadel Servicing Corporation	Conventional	2	0.3%	100%	$290,000
Zillow Home Loans, LLC	Conventional, VA	2	0.3%	100%	$245,000
Prosperity Home Mortgage, LLC	Conventional, FHA	2	0.3%	66.7%	$480,000
ClearEdge Lending LLC	Conventional	2	0.3%	100%	$510,000
Plaza Home Mortgage, Inc	Conventional, VA	2	0.3%	100%	$415,000
Tomo Mortgage LLC	Conventional	2	0.3%	100%	$430,000
HomeBridge Financial Services, Inc	VA, HELOC	1 +5 HELOCs	0.2%	100%	$445,000
Police and Fire Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$55,000
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	VA, HELOC	1 +1 HELOCs	0.2%	100%	$685,000	View
EMM Loans LLC	FHA	1	0.2%	100%	$445,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.2%	100%	$425,000	View
Residential Wholesale Mortgage	VA	1	0.2%	100%	$225,000
Primelending	Conventional	1	0.2%	100%	$495,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.2%	100%	$335,000	View
Gold Star Mortgage Financial Group, Corporation	FHA	1	0.2%	100%	$405,000
Equity Prime Mortgage LLC	VA	1	0.2%	100%	$585,000
Loansteady LLC	Conventional	1	0.2%	100%	$395,000
Resicentral LLC	Conventional	1	0.2%	100%	$385,000
Deephaven Mortgage LLC	Conventional	1	0.2%	100%	$105,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	VA	1	0.2%	100%	$525,000	View
Home Mortgage Alliance Corp (Hmac)	FHA	1	0.2%	100%	$175,000
Preferred Lending Services, LLC	FHA	1	0.2%	100%	$445,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.2%	100%	$245,000	View
HomeXpress Mortgage Corp.	VA	1	0.2%	100%	$385,000
Success Mortgage Partners, Inc	Conventional	1	0.2%	100%	$205,000
AAFMAA Mortgage Services LLC	VA	1	0.2%	100%	$545,000
Family Finance Mortgage LLC	FHA	1	0.2%	100%	$525,000
Securitynational Mortgage Company	Conventional	1	0.2%	100%	$505,000
American Federal Mortgage Corporation	Conventional	1	0.2%	100%	$235,000
Bay Equity LLC	Conventional	1	0.2%	100%	$305,000
First Colony Mortgage Corporat	VA	1	0.2%	100%	$195,000
First Heritage Mortgage, LLC	Conventional	1	0.2%	100%	$375,000
Cardinal Financial Company, Li	Conventional	1	0.2%	100%	$365,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.2%	33.3%	$375,000	View
Premier Lending Inc.	FHA	1	0.2%	100%	$385,000
Atlantic Bay Mortgage Group	VA	1	0.2%	100%	$555,000
Credence Funding Corporation	VA	1	0.2%	100%	$415,000
Planet Home Lending, LLC	FHA	1	0.2%	100%	$215,000
Provident Funding Associates	Conventional	1	0.2%	50%	$485,000
Waterstone Mortgage Corporation	Conventional	1	0.2%	100%	$545,000
BoxCar Mortgage, LLC	Conventional	1	0.2%	100%	$555,000
Direct Mortgage Loans, LLC	VA	1	0.2%	100%	$455,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.2%	33.3%	$105,000
Synovus Bank	Conventional	1	0.2%	100%	$265,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.2%	100%	$295,000	View
Paramount Bank A5.0 ★Texas Ratio: 8.70%	Conventional	1	0.2%	100%	$345,000	View
Lake Michigan Credit Union	Conventional	1	0.2%	100%	$275,000
Member First Mortgage, LLC	FHA	1	0.2%	100%	$335,000
Stockton Mortgage Corporation	Conventional	1	0.2%	100%	$265,000
Towne Mortgage Company	VA	1	0.2%	100%	$625,000
Park Lane Finance SolutionsLLC	Conventional	1	0.2%	100%	$35,000
Uif Corporation	Conventional	1	0.2%	100%	$525,000
Better Mortgage Corporation	Conventional	1	0.2%	50%	$195,000
Mortgage Solutions of Colorado	VA	1	0.2%	100%	$305,000
First United Bank and Trust Co A5.0 ★Texas Ratio: 10.43%	Conventional	1	0.2%	100%	$285,000	View
Purdue Federal Cu	Conventional	1	0.2%	100%	$145,000
Mutual of Omaha Mortgage	Conventional	1	0.2%	100%	$575,000
Heartland Credi T Union	Conventional	1	0.2%	100%	$295,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.2%	100%	$425,000
21St Mortgage	Conventional	1	0.2%	20%	$75,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.2%	33.3%	$95,000
Top Flite Financial, Inc.	FHA	1	0.2%	100%	$215,000
Gershman Investment Corp.	Conventional	1	0.2%	100%	$105,000
Champions Funding, LLC	Conventional	1	0.2%	100%	$415,000
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.2%	50%	$525,000
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +6 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +3 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Kinecta Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union A-4.9 ★Texas Ratio: 16.71%	HELOC	0 +1 HELOCs	0%	n/a		View
Usalliance 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.

Valrico 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 Valrico, Florida

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

Types of Mortgage Lenders in Valrico, FL

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

Mortgage companies and brokers 108 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 40 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 18 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 52 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 47 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 6 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 21 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Valrico, FL

Independent mortgage companies closed 78.4 percent of home loans in Valrico, Florida in 2025, banks 11.6 percent and credit unions 10.1 percent. Triad Financial Services, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Suncoast Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 6 loans.

78.4%

Mortgage companies

11.6%

Banks

10.1%

Credit unions

18%

FHA loans

18%

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 Valrico, FL

Who is the largest mortgage lender in Valrico, FL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Valrico, Florida with 10 loans, about 1.5 percent of the market. The largest lender headquartered in Florida was Southstate Bank, National Association with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Valrico, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 84.2 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 Valrico, FL mortgage lenders offer FHA, VA and USDA loans?

52 lenders closed FHA loans in Valrico, Florida in 2025, led by United Wholesale Mortgage with 16. 47 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 Valrico, FL lender list?

Yes. 40 banks and 18 credit unions closed home loans in Valrico, Florida in 2025, alongside 108 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 Valrico, FL ranked on this page?

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