Mortgage Lenders and Brokers in Watertown, 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
Watertown, Florida mortgage lenders include First Federal BankFirst Federal Bank300 N Waukesha St, Bonifay, FL 32425A+5.0 ★Texas Ratio: 1.10%, Campus USA Credit UnionCampus USA Credit Union14759 NW 157th Ln, Alachua, FL 32615A+5.0 ★Texas Ratio: 2.45%, VyStar Credit UnionVyStar Credit Union16201 NW US Highway 441, Alachua, FL 32615 6399A5.0 ★Texas Ratio: 9.56%, Florida Credit UnionFlorida Credit Union10303 SE US Highway 441, Belleview, FL 34420A+5.0 ★Texas Ratio: 4.76%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, Radiant Credit UnionRadiant Credit Union14520 NW US Highway 441, Alachua, FL 32615 8204A+5.0 ★Texas Ratio: 3.03%, Capital City BankCapital City Bank15000 Nw 140th St, Alachua, FL 32615A+5.0 ★Texas Ratio: 2.55%, and Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+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 Watertown, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Watertown 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 Watertown, Florida
Market share is the lender's share of all home loans closed in Watertown, 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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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA | 8 | 8.1% | 80% | $200,000 | View |
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14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45% |
Conventional | 4 | 4% | 100% | $107,500 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, FHA | 4 | 4% | 80% | $145,000 | View |
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10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76% |
Conventional, HELOC | 3 +2 HELOCs |
3% | 75% | $155,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
VA | 1 | 1% | 100% | $135,000 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1% | 33.3% | $65,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 1% | 100% | $485,000 | View |
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14520 NW US Highway 441, Alachua, FL 32615 8204 A+5.0 ★Texas Ratio: 3.03% |
HELOC | 0 +4 HELOCs |
0% | 100% | View | |
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15000 Nw 140th St, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +2 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 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Freedom Mortgage Corporation
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VA, USDA | 2 | 2% | 100% | $140,000 | |
New Day Financial, LLC.
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VA | 1 | 1% | 100% | $245,000 | |
Rocket Mortgage
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Conventional, VA | 15 | 15.2% | 84.2% | $175,666 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 14 +1 HELOCs |
14.1% | 93.3% | $242,857 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 6 | 6.1% | 100% | $136,666 | |
Movement Mortgage, LLC
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Conventional, VA | 4 | 4% | 80% | $132,500 | |
American Financial Network, Inc.
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Conventional, FHA, VA | 3 | 3% | 100% | $178,333 | |
Mortgage Research Center
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FHA, VA | 3 | 3% | 37.5% | $221,666 | |
New American Funding, LLC.
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FHA, VA | 3 | 3% | 75% | $178,333 | |
Union Home Mortgage Corp.
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FHA, VA | 2 | 2% | 100% | $240,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 2% | 100% | $210,000 | |
21St Mortgage
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Conventional | 2 | 2% | 28.6% | $140,000 | |
EMM Loans LLC
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VA | 1 | 1% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 1% | 100% | $205,000 | View |
American Financial Resources LLC
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Conventional | 1 | 1% | 100% | $135,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 1% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 2.83% |
Conventional | 1 | 1% | 100% | $65,000 | View |
Affordable Mortgage Advisors
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Conventional | 1 | 1% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.51% |
VA | 1 | 1% | 100% | $235,000 | View |
Equity Prime Mortgage LLC
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FHA | 1 | 1% | 100% | $285,000 | |
loanDepot.com LLC
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FHA | 1 | 1% | 50% | $225,000 | |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 1% | 100% | $195,000 | View |
Guild Mortgage Company
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FHA | 1 | 1% | 100% | $265,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 1% | 100% | $225,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 1% | 100% | $205,000 | |
The Loan Store, Inc
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FHA | 1 | 1% | 100% | $275,000 | |
CSL Financial, LLC
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Conventional | 1 | 1% | 100% | $215,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 1% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1% | 50% | $245,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
FHA | 1 | 1% | 50% | $165,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 1% | 100% | $225,000 | |
Village Capital & Investment
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FHA | 1 | 1% | 50% | $185,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Watertown 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 Watertown, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Watertown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Watertown in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Watertown, FL
Use these to narrow the list above. Each category shows how many Watertown, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Watertown, FL
Independent mortgage companies closed 72.7 percent of home loans in Watertown, Florida in 2025, banks 14.1 percent and credit unions 13.1 percent. Freedom Mortgage Corporation was the largest mortgage company, First Federal Bank the largest bank and Campus USA Credit Union the largest credit union. Among lenders headquartered in Florida, First Federal Bank led with 8 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 Watertown, FL
By home loans closed in 2025, First Federal Bank was the largest mortgage lender in Watertown, Florida with 8 loans, about 8.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Watertown, Florida in 2025, led by First Federal Bank with 7. 13 lenders closed VA loans, led by Rocket Mortgage, 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. 10 banks and 6 credit unions closed home loans in Watertown, Florida in 2025, alongside 28 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 Watertown, 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 Watertown, 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 Watertown. 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.
