Mortgage Lenders and Brokers in Vero Beach, 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
Vero Beach, Florida mortgage lenders include Southstate Bank, National AssociationSouthstate Bank, National Association855 21st St, Vero Beach, FL 32960A+5.0 ★Texas Ratio: 2.27%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA660 Beachland Blvd, Vero Beach, FL 32963A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA601 21st St, Vero Beach, FL 32960A+5.0 ★Texas Ratio: 4.14%, Seacoast National BankSeacoast National Bank2940 Cardinal Dr, Vero Beach, FL 32963A+5.0 ★Texas Ratio: 2.72%, Truist BankTruist Bank2231 Indian River Blvd, Vero Beach, FL 32960A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA2001 58th Ave, Vero Beach, FL 32966A+5.0 ★Texas Ratio: 5.36%, The Northern Trust CoThe Northern Trust Co755 Beachland Blvd, Vero Beach, FL 32963A4.7 ★Texas Ratio: 0.83%, PNC Bank N.A.PNC Bank N.A.958 20th Pl, Vero Beach, FL 32960A+5.0 ★Texas Ratio: 4.24%, TD BankTD Bank1238 Us Highway 1, Vero Beach, FL 32960A+5.0 ★Texas Ratio: 3.71%, and Trustco BankTrustco Bank4125 20th St, Vero Beach, FL 32960A+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 Vero Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Vero Beach 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 Vero Beach, Florida
Market share is the lender's share of all home loans closed in Vero Beach, 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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★ 5 stars, 1 review 2 offices in Vero Beach 855 21st St, Vero Beach, FL 32960 A+5.0 ★Texas Ratio: 2.27% |
Conventional, Jumbo, HELOC | 13 +8 HELOCs |
4.3% | 100% | $967,307 | View |
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4 offices in Vero Beach 660 Beachland Blvd, Vero Beach, FL 32963 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 7 +1 HELOCs |
2.3% | 70% | $439,285 | View |
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3 offices in Vero Beach 601 21st St, Vero Beach, FL 32960 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +9 HELOCs |
1.3% | 66.7% | $615,000 | View |
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★ 5 stars, 1 review 3 offices in Vero Beach 2940 Cardinal Dr, Vero Beach, FL 32963 A+5.0 ★Texas Ratio: 2.72% |
Conventional, FHA, Jumbo, HELOC | 4 +7 HELOCs |
1.3% | 80% | $547,500 | View |
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★ 1 stars, 1 review 2 offices in Vero Beach 2231 Indian River Blvd, Vero Beach, FL 32960 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +5 HELOCs |
1.3% | 100% | $302,500 | View |
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3 offices in Vero Beach 2001 58th Ave, Vero Beach, FL 32966 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 3 | 1% | 50% | $2,195,000 | View |
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1 office in Vero Beach 755 Beachland Blvd, Vero Beach, FL 32963 A4.7 ★Texas Ratio: 0.83% |
Conventional, Jumbo | 3 | 1% | 100% | $1,345,000 | View |
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★ 1.7 stars, 3 reviews 3 offices in Vero Beach 958 20th Pl, Vero Beach, FL 32960 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +9 HELOCs |
0.3% | 50% | $105,000 | View |
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2 offices in Vero Beach 1238 Us Highway 1, Vero Beach, FL 32960 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 50% | $695,000 | View |
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★ 1.8 stars, 5 reviews 1 office in Vero Beach 4125 20th St, Vero Beach, FL 32960 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $175,000 | View |
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A+5.0 ★Texas Ratio: 4.56% |
Conventional | 9 | 3% | 81.8% | $413,888 | View |
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★ 1 stars, 1 review 2800 20th St, Vero Beach, FL 32960 A+5.0 ★Texas Ratio: 3.18% |
Conventional, HELOC | 8 +5 HELOCs |
2.6% | 50% | $237,500 | View |
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445 21st St Unit 8, Vero Beach, FL 32960 5455 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 4 +15 HELOCs |
1.3% | 36.4% | $55,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1% | 75% | $441,666 | View |
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2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
Conventional | 3 | 1% | 75% | $358,333 | View |
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710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 2 | 0.7% | 100% | $1,535,000 | View |
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350 E Las Olas Blvd Ste 1400, Fort Lauderdale, FL 33301 A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,905,000 | View |
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8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.3% | 50% | $805,000 | View |
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12830 University Dr, Fort Myers, FL 33907 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
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850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $555,000 | View |
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1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
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101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,605,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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211 Havendale Blvd, Auburndale, FL 33823 D2.1 ★Texas Ratio: 5.22% |
Conventional | 1 | 0.3% | 100% | $775,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1340 US Highway 1, Vero Beach, FL 32960 A+5.0 ★Texas Ratio: 5.06% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.7% | 100% | $640,000 | View |
Freedom Mortgage Corporation
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VA | 2 | 0.7% | 100% | $295,000 | |
Nqm Funding, LLC
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Conventional | 2 | 0.7% | 100% | $480,000 | |
Alkan Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Builders Choice Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $785,000 | |
The Mortgage Firm
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Conventional | 1 | 0.3% | 100% | $545,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 28 | 9.2% | 73.7% | $227,142 | |
Guild Mortgage Company
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Conventional, FHA, VA | 20 | 6.6% | 100% | $350,500 | |
United Wholesale Mortgage
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Conventional, FHA | 15 | 4.9% | 84.2% | $324,333 | |
Union Home Mortgage Corp.
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Conventional, VA | 13 | 4.3% | 81.2% | $368,846 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 12 | 3.9% | 100% | $442,500 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional, FHA, Jumbo | 8 | 2.6% | 88.9% | $400,000 | View |
Total Mortgage Services, LLC
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Conventional, Jumbo | 8 | 2.6% | 100% | $831,250 | |
Contour Mortgage Corporation
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Conventional, FHA, VA, Jumbo | 6 | 2% | 100% | $493,333 | |
T2 Financial LLC
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Conventional, FHA, VA, Jumbo | 6 | 2% | 100% | $566,666 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 5 | 1.6% | 100% | $911,000 | View |
Movement Mortgage, LLC
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Conventional, VA | 4 | 1.3% | 100% | $422,500 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, HELOC | 3 +1 HELOCs |
1% | 100% | $445,000 | View |
Everett Financial, Inc.
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Conventional, FHA, VA | 3 | 1% | 75% | $241,666 | |
Pennymac Loan Services LLC
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Conventional | 3 | 1% | 75% | $418,333 | |
Bayshore Mortgage Funding
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Conventional, FHA | 3 | 1% | 75% | $358,333 | |
Mortgage Research Center
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Conventional, VA | 3 | 1% | 60% | $485,000 | |
Bay Capital Mortgage Corporation
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Conventional, FHA | 3 | 1% | 100% | $318,333 | |
The Loan Store, Inc
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Conventional | 3 | 1% | 100% | $125,000 | |
Fairway Independent Mort Corp
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Conventional | 3 | 1% | 75% | $218,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +5 HELOCs |
0.7% | 100% | $125,000 | |
American Airlines Federal Cred
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Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.7% | 100% | $745,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $300,000 | View |
Guaranteed Rate, Inc.
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Conventional | 2 | 0.7% | 100% | $650,000 | |
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A5.0 ★Texas Ratio: 8.10% |
FHA | 2 | 0.7% | 25% | $315,000 | View |
loanDepot.com LLC
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Conventional | 2 | 0.7% | 66.7% | $275,000 | |
Provident Funding Associates
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Conventional | 2 | 0.7% | 100% | $620,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 0.7% | 100% | $855,000 | View |
Nationstar Mortgage
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Conventional | 2 | 0.7% | 50% | $165,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.7% | 100% | $515,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 2 | 0.7% | 100% | $865,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional, Jumbo | 2 | 0.7% | 100% | $585,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $555,000 | View |
Goodleap, LLC
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FHA, HELOC | 1 +1 HELOCs |
0.3% | 50% | $235,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 25% | $55,000 | |
Southwest Airlines FCU
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Conventional | 1 | 0.3% | 100% | $745,000 | |
American Financial Resources LLC
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FHA | 1 | 0.3% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.3% | 100% | $675,000 | View |
Primelending
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,225,000 | |
Fourleaf Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $755,000 | |
Weststar Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $805,000 | |
Brighton Bank
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Conventional | 1 | 0.3% | 100% | $805,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.3% | 100% | $555,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.3% | 100% | $15,000 | View |
Reliant Home Funding, Inc
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Conventional, Jumbo | 1 | 0.3% | 100% | $845,000 | |
Diamond Residential Mtg Corp
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Conventional | 1 | 0.3% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 2.18% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.3% | 100% | $495,000 | View |
Click n' Close, Inc.
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FHA | 1 | 0.3% | 100% | $225,000 | |
American Financing Corporation
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Conventional | 1 | 0.3% | 33.3% | $85,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.3% | 100% | $185,000 | |
American Federal Mortgage Corporation
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,305,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.3% | 50% | $175,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.3% | 50% | $415,000 | View |
Planet Home Lending, LLC
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Conventional | 1 | 0.3% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Direct Mortgage Loans, LLC
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FHA | 1 | 0.3% | 100% | $275,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,285,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.3% | 100% | $665,000 | View |
Union Savings Bank
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,425,000 | |
GuardHill Financial LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,085,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.3% | 100% | $525,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.3% | 100% | $685,000 | View |
Keystone Funding, Inc
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FHA | 1 | 0.3% | 100% | $415,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $295,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.3% | 50% | $195,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
Toyota Financial Savings Bank
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Conventional, Jumbo | 1 | 0.3% | 100% | $9,695,000 | |
Paramount Residential Mortgage
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FHA | 1 | 0.3% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.3% | 100% | $245,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Figure Lending LLC
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HELOC | 0 +8 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Synovus Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Vero Beach 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 Vero Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Vero Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Vero Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Vero Beach, FL
Use these to narrow the list above. Each category shows how many Vero Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Vero Beach, FL
Independent mortgage companies closed 61 percent of home loans in Vero Beach, Florida in 2025, banks 32.5 percent and credit unions 6.6 percent. A&D Mortgage LLC was the largest mortgage company, Southstate Bank, National Association the largest bank and Midflorida Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 13 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 Vero Beach, FL
By home loans closed in 2025, Southstate Bank, National Association was the largest mortgage lender in Vero Beach, Florida with 13 loans, about 4.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Vero Beach, Florida in 2025, led by United Wholesale Mortgage with 7. 12 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 48 banks and 11 credit unions closed home loans in Vero Beach, Florida in 2025, alongside 61 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 Vero Beach, 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 Vero Beach, 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 Vero Beach. 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.
