Mortgage Lenders and Brokers in West Melbourne, 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
West Melbourne, Florida mortgage lenders include PNC Bank N.A.PNC Bank N.A.2950 W New Haven Ave, West Melbourne, FL 32904A+5.0 ★Texas Ratio: 4.24%, Regions BankRegions Bank105 Palm Bay Rd Ne, West Melbourne, FL 32904A+5.0 ★Texas Ratio: 4.37%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA115 Palm Bay Rd Ne, West Melbourne, FL 32904A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank175 Palm Bay Rd Ne, West Melbourne, FL 32904A+5.0 ★Texas Ratio: 2.87%, Space Coast Credit UnionSpace Coast Credit Union139 Palm Bay Rd NE, West Melbourne, FL 32904 8600A+5.0 ★Texas Ratio: 5.37%, Triad Financial Services, Inc.Triad Financial Services, Inc.1209 Kingsway Rd, Brandon, FL 33510A+5.0 ★Texas Ratio: 5.93%, Community Credit Union of FloridaCommunity Credit Union of Florida660 West Ave, Cocoa, FL 32927 4971A+5.0 ★Texas Ratio: 1.43%, Launch Credit UnionLaunch Credit Union4301 Norfolk Pkwy, West Melbourne, FL 32904 8603A5.0 ★Texas Ratio: 7.61%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, and Trustco BankTrustco Bank909 West State Rd 434, Altamonte Springs, FL 32714A+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 West Melbourne, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in West Melbourne 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 West Melbourne, Florida
Market share is the lender's share of all home loans closed in West Melbourne, 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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★ 1.7 stars, 3 reviews 1 office in West Melbourne 2950 W New Haven Ave, West Melbourne, FL 32904 A+5.0 ★Texas Ratio: 4.24% |
Conventional, VA, HELOC | 4 +4 HELOCs |
1% | 57.1% | $190,000 | View |
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1 office in West Melbourne 105 Palm Bay Rd Ne, West Melbourne, FL 32904 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 4 +2 HELOCs |
1% | 71.4% | $170,000 | View |
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1 office in West Melbourne 115 Palm Bay Rd Ne, West Melbourne, FL 32904 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 3 +1 HELOCs |
0.7% | 60% | $368,333 | View |
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★ 1 stars, 1 review 2 offices in West Melbourne 175 Palm Bay Rd Ne, West Melbourne, FL 32904 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +7 HELOCs |
0.5% | 66.7% | $295,000 | View |
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139 Palm Bay Rd NE, West Melbourne, FL 32904 8600 A+5.0 ★Texas Ratio: 5.37% |
Conventional, FHA, HELOC | 28 +34 HELOCs |
6.7% | 82.9% | $194,285 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 9 | 2.1% | 67.9% | $83,888 | View |
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660 West Ave, Cocoa, FL 32927 4971 A+5.0 ★Texas Ratio: 1.43% |
Conventional, FHA, VA, HELOC | 8 +13 HELOCs |
1.9% | 88.9% | $241,250 | View |
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4301 Norfolk Pkwy, West Melbourne, FL 32904 8603 A5.0 ★Texas Ratio: 7.61% |
Conventional | 8 | 1.9% | 38.1% | $105,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 5 | 1.2% | 100% | $311,000 | View |
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★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +1 HELOCs |
0.7% | 100% | $258,333 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.7% | 100% | $248,333 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 3 | 0.7% | 60% | $195,000 | View |
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★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18% |
Conventional | 2 | 0.5% | 100% | $205,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 2 | 0.5% | 100% | $30,000 | View |
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3003 W New Haven Ave, West Melbourne, FL 32904 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $215,000 | View |
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★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 100% | $365,000 | 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% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
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7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.2% | 33.3% | $85,000 | View |
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19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76% |
FHA | 1 | 0.2% | 100% | $195,000 | 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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4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Mortgage Firm
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Conventional, FHA, VA | 18 | 4.3% | 95.5% | $339,444 | |
DYBN Financial Corporation dba Morgan Financial
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Conventional, VA | 8 | 1.9% | 100% | $256,250 | |
Freedom Mortgage Corporation
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FHA, VA | 6 | 1.4% | 72.7% | $300,000 | |
Alkan Mortgage Corporation
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Conventional, FHA, VA | 5 | 1.2% | 100% | $323,000 | |
Acrisure Mortgage, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $370,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.2% | 40% | $95,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.2% | 100% | $385,000 | |
First Equity Mortgage Bankers Inc.
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Mortgage Lenders Investment Tr
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FHA | 1 | 0.2% | 100% | $185,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 57 | 13.5% | 89.2% | $326,052 | |
Rocket Mortgage
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Conventional, FHA, VA | 39 | 9.3% | 85.4% | $271,666 | |
Mortgage Research Center
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VA | 15 | 3.6% | 62.5% | $411,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 13 +1 HELOCs |
3.1% | 86.7% | $220,384 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 9 +1 HELOCs |
2.1% | 100% | $280,555 | |
Nationstar Mortgage
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Conventional, FHA, VA | 8 | 1.9% | 100% | $196,250 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 1.7% | 87.5% | $176,428 | |
First Heritage Mortgage, LLC
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Conventional, FHA, VA | 7 | 1.7% | 100% | $390,714 | |
New American Funding, LLC.
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Conventional, FHA, VA | 7 | 1.7% | 70% | $312,142 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA, VA | 7 | 1.7% | 100% | $327,857 | View |
Primelending
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Conventional, VA | 6 | 1.4% | 100% | $248,333 | |
Zillow Home Loans, LLC
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Conventional, FHA, VA | 6 | 1.4% | 100% | $370,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +1 HELOCs |
1.2% | 83.3% | $337,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA | 5 | 1.2% | 83.3% | $311,000 | View |
Embrace Home Loans, Inc.
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Conventional, FHA | 5 | 1.2% | 100% | $283,000 | |
The Loan Store, Inc
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Conventional, HELOC | 3 +1 HELOCs |
0.7% | 100% | $355,000 | |
Cadence Bank
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Conventional, VA | 3 | 0.7% | 100% | $331,666 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 3 | 0.7% | 75% | $338,333 | |
Everett Financial, Inc.
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Conventional, FHA | 3 | 0.7% | 100% | $291,666 | |
Kind Lending, LLC
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Conventional, FHA, VA | 3 | 0.7% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA | 3 | 0.7% | 100% | $358,333 | View |
T2 Financial LLC
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Conventional, FHA | 3 | 0.7% | 100% | $365,000 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional, FHA | 3 | 0.7% | 100% | $225,000 | |
21St Mortgage
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Conventional | 3 | 0.7% | 33.3% | $61,666 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 3 | 0.7% | 100% | $391,666 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.5% | 22.2% | $90,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 0.5% | 100% | $300,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, VA | 2 | 0.5% | 100% | $390,000 | |
Movement Mortgage, LLC
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Conventional, VA | 2 | 0.5% | 100% | $255,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.5% | 100% | $320,000 | |
AdvantageFirst Lending Inc
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VA | 2 | 0.5% | 50% | $490,000 | |
Credit Human Federal Credit Un
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Conventional | 2 | 0.5% | 55.6% | $115,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 0.5% | 100% | $290,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.5% | 100% | $285,000 | View |
Direct Mortgage Loans, LLC
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Conventional | 2 | 0.5% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.5% | 66.7% | $160,000 | View |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, VA | 2 | 0.5% | 40% | $225,000 | View |
Better Mortgage Corporation
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VA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $685,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
FHA, HELOC | 1 +1 HELOCs |
0.2% | 50% | $435,000 | View |
Arc Home LLC
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Conventional | 1 | 0.2% | 100% | $235,000 | |
EMM Loans LLC
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Conventional | 1 | 0.2% | 100% | $405,000 | |
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A5.0 ★Texas Ratio: 13.21% |
VA | 1 | 0.2% | 100% | $365,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.2% | 50% | $285,000 | |
Primary Residential Mortgage, INC.
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VA | 1 | 0.2% | 100% | $345,000 | |
Goodleap, LLC
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VA | 1 | 0.2% | 100% | $315,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
FHA | 1 | 0.2% | 100% | $265,000 | View |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Dart Bank
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $275,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 9.1% | $55,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
VA | 1 | 0.2% | 100% | $385,000 | View |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.2% | 100% | $465,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $355,000 | |
MortgageCountry
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FHA | 1 | 0.2% | 100% | $475,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.2% | 100% | $315,000 | |
City 1st Mortgage Services, LC
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Conventional | 1 | 0.2% | 100% | $285,000 | |
American Financing Corporation
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Conventional | 1 | 0.2% | 25% | $95,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Justice Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $75,000 | |
Delta Community Credit Union
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.2% | 100% | $505,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
Saygo Home Loans, LLC
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VA | 1 | 0.2% | 100% | $335,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.2% | 100% | $535,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.2% | 20% | $305,000 | |
Northrop Grumman Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $795,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.2% | 100% | $255,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 100% | $425,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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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 |
West Melbourne 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 West Melbourne, Florida
Looking for mortgage lenders near me or mortgage brokers near me in West Melbourne? The list below shows the banks, credit unions and mortgage brokers that closed home loans in West Melbourne in 2025, with lenders based there listed first.
Types of Mortgage Lenders in West Melbourne, FL
Use these to narrow the list above. Each category shows how many West Melbourne, FL lenders fit and what that kind of lender is usually best for.
Who Lends in West Melbourne, FL
Independent mortgage companies closed 71.7 percent of home loans in West Melbourne, Florida in 2025, banks 14.7 percent and credit unions 13.5 percent. Triad Financial Services, Inc. was the largest mortgage company, PNC Bank N.A. the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, Space Coast Credit Union led with 28 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 West Melbourne, FL
By home loans closed in 2025, PNC Bank N.A. was the largest mortgage lender in West Melbourne, Florida with 4 loans, about 1 percent of the market. The largest lender headquartered in Florida was Space Coast Credit Union with 28 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in West Melbourne, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 89.2 percent, against a 78.3 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.
33 lenders closed FHA loans in West Melbourne, Florida in 2025, led by United Wholesale Mortgage with 11. 40 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.
Yes. 30 banks and 11 credit unions closed home loans in West Melbourne, Florida in 2025, alongside 69 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 West Melbourne, 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 West Melbourne, 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 West Melbourne. 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.
