Mortgage Lenders and Brokers in Wallace, 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
Wallace, Florida mortgage lenders include PenAir Credit UnionPenAir Credit Union1345 Industrial Dr, Crestview, FL 32539 8984A+5.0 ★Texas Ratio: 2.97%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, Gulf Winds Credit UnionGulf Winds Credit Union11 Preston Cir, Crawfordville, FL 32327A+5.0 ★Texas Ratio: 2.87%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Santa Rosa County Federal Credit UnionSanta Rosa County Federal Credit Union4934 Gulf Breeze Pkwy, Gulf Breeze, FL 32563 9251A+5.0 ★Texas Ratio: 3.29%, BankplusBankplus4881 Nw 8th Ave, Gainesville, FL 32605A+5.0 ★Texas Ratio: 4.80%, Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%, Servisfirst BankServisfirst Bank316 Racetrack Rd Ne, Fort Walton Beach, FL 32547A5.0 ★Texas Ratio: 8.75%, and Citizens Bank, NACitizens Bank, NA2222 Ponce De Leon Blvd, Coral Gables, FL 33134A+5.0 ★Texas Ratio: 5.44%. 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 Wallace, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Wallace 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 Wallace, Florida
Market share is the lender's share of all home loans closed in Wallace, 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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1345 Industrial Dr, Crestview, FL 32539 8984 A+5.0 ★Texas Ratio: 2.97% |
Conventional, Jumbo, HELOC | 7 +2 HELOCs |
3% | 87.5% | $370,714 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 6 +6 HELOCs |
2.6% | 85.7% | $396,666 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 6 | 2.6% | 100% | $461,666 | View |
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11 Preston Cir, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 3 | 1.3% | 75% | $161,666 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 2 +2 HELOCs |
0.9% | 100% | $475,000 | View |
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4934 Gulf Breeze Pkwy, Gulf Breeze, FL 32563 9251 A+5.0 ★Texas Ratio: 3.29% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
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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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 42 | 18.3% | 89.4% | $319,523 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.9% | 100% | $65,000 | |
Freedom Mortgage Corporation
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VA | 2 | 0.9% | 100% | $410,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 29 | 12.6% | 78.9% | $290,517 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 25 +9 HELOCs |
10.9% | 89.3% | $383,800 | |
Rocket Mortgage
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Conventional, VA | 14 | 6.1% | 93.3% | $247,142 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA, VA | 8 | 3.5% | 100% | $475,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 8 | 3.5% | 100% | $346,250 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 3% | 100% | $350,714 | |
Mortgage Research Center
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VA | 7 | 3% | 70% | $457,857 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 5 | 2.2% | 100% | $561,000 | |
United Wholesale Mortgage
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Conventional, VA | 4 | 1.7% | 100% | $455,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, VA | 3 | 1.3% | 60% | $425,000 | View |
CrossCountry Mortgage, LLC
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Conventional, VA | 3 | 1.3% | 100% | $415,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 3 | 1.3% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
FHA, VA | 3 | 1.3% | 100% | $371,666 | View |
Synovus Bank
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Conventional, HELOC | 2 +2 HELOCs |
0.9% | 100% | $515,000 | |
Cadence Bank
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Conventional, VA, HELOC | 2 +1 HELOCs |
0.9% | 100% | $240,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.9% | 100% | $270,000 | |
Primary Residential Mortgage, INC.
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Conventional, VA | 2 | 0.9% | 100% | $245,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.9% | 100% | $335,000 | |
Mortgage Solutions of Colorado
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Conventional, FHA | 2 | 0.9% | 100% | $200,000 | |
Right Start Mortgage, Inc
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FHA | 2 | 0.9% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, VA | 2 | 0.9% | 100% | $355,000 | View |
Fairway Independent Mort Corp
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Conventional, VA | 2 | 0.9% | 100% | $500,000 | |
Pentagon Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.4% | 100% | $505,000 | |
EMM Loans LLC
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VA | 1 | 0.4% | 100% | $345,000 | |
Goodleap, LLC
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Conventional | 1 | 0.4% | 100% | $125,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.4% | 50% | $255,000 | |
ALCOVA Mortgage, LLC
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VA | 1 | 0.4% | 100% | $615,000 | |
Kind Lending, LLC
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VA | 1 | 0.4% | 100% | $555,000 | |
loanDepot.com LLC
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VA, Jumbo | 1 | 0.4% | 100% | $1,025,000 | |
Filo Mortgage, LLC
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VA | 1 | 0.4% | 100% | $645,000 | |
Assurance Financial Group, L.L.C.
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VA | 1 | 0.4% | 100% | $595,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 100% | $125,000 | |
American Financing Corporation
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VA, Jumbo | 1 | 0.4% | 100% | $1,715,000 | |
Southeast Mortgage of Georgia, Inc.
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Provident Funding Associates
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Conventional | 1 | 0.4% | 100% | $345,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.4% | 100% | $275,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $375,000 | |
Gardner Financial Services
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Conventional | 1 | 0.4% | 100% | $425,000 | |
American Pacific Mortgage Corporation
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VA, Jumbo | 1 | 0.4% | 100% | $825,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.4% | 100% | $425,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Leaderone Financial Corp.
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VA | 1 | 0.4% | 100% | $685,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 50% | $805,000 | |
Guaranteed Rate, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Wallace 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 Wallace, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Wallace? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Wallace in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Wallace, FL
Use these to narrow the list above. Each category shows how many Wallace, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Wallace, FL
Independent mortgage companies closed 70.4 percent of home loans in Wallace, Florida in 2025, banks 13.5 percent and credit unions 16.1 percent. Lennar Mortgage, LLC was the largest mortgage company, Regions Bank the largest bank and PenAir Credit Union the largest credit union. Among lenders headquartered in Florida, PenAir Credit Union led with 7 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 Wallace, FL
By home loans closed in 2025, PenAir Credit Union was the largest mortgage lender in Wallace, Florida with 7 loans, about 3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Wallace, Florida in 2025, led by Lennar Mortgage, LLC with 19. 32 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 16 banks and 5 credit unions closed home loans in Wallace, Florida in 2025, alongside 40 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 Wallace, 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 Wallace, 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 Wallace. 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.
