Mortgage Lenders and Brokers in Willow Oak, 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
Willow Oak, Florida mortgage lenders include Midflorida Credit UnionMidflorida Credit Union1199 Spring Centre South Blvd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.18%, Gte Federal Credit UnionGte Federal Credit Union7375 University Pkwy, Bradenton, FL 34202 2300A5.0 ★Texas Ratio: 7.65%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Suncoast Credit UnionSuncoast Credit Union1328 E Oak St, Arcadia, FL 34266A5.0 ★Texas Ratio: 6.26%, Flagstar Bank NAFlagstar Bank NA20423 State Road 7, Boca Raton, FL 33498D3.3 ★Texas Ratio: 35.11%, Triad Financial Services, Inc.Triad Financial Services, Inc.1209 Kingsway Rd, Brandon, FL 33510A+5.0 ★Texas Ratio: 5.93%, Bank Of Central FloridaBank Of Central Florida101 South Florida Avenue, Lakeland, FL 33801A+5.0 ★Texas Ratio: 1.81%, Grow Financial Federal Credit UnionGrow Financial Federal Credit Union11008 Arcade Pl, Bradenton, FL 34211A+5.0 ★Texas Ratio: 3.70%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, and Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%. 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 Willow Oak, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Willow Oak 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 Willow Oak, Florida
Market share is the lender's share of all home loans closed in Willow Oak, 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 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18% |
Conventional, HELOC | 9 +7 HELOCs |
7.5% | 64.3% | $106,111 | View |
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7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
Conventional, FHA | 4 | 3.3% | 66.7% | $115,000 | 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, HELOC | 3 +3 HELOCs |
2.5% | 100% | $295,000 | View |
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1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 2 +3 HELOCs |
1.7% | 100% | $375,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA | 2 | 1.7% | 100% | $550,000 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 1 | 0.8% | 66.7% | $55,000 | View |
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101 South Florida Avenue, Lakeland, FL 33801 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.8% | 100% | $65,000 | View |
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11008 Arcade Pl, Bradenton, FL 34211 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 1 | 0.8% | 100% | $145,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 2 | 1.7% | 40% | $190,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.7% | 66.7% | $295,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.8% | 100% | $285,000 | View |
Acrisure Mortgage, LLC
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FHA | 1 | 0.8% | 100% | $295,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 13 +1 HELOCs |
10.8% | 82.4% | $295,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 12 | 10% | 80% | $230,833 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA | 4 | 3.3% | 80% | $295,000 | View |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional, FHA, VA | 4 | 3.3% | 80% | $232,500 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
2.5% | 100% | $345,000 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 2.5% | 100% | $195,000 | |
Mortgage Research Center
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FHA, VA | 3 | 2.5% | 60% | $408,333 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, VA | 3 | 2.5% | 100% | $291,666 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
1.7% | 66.7% | $235,000 | |
Everett Financial, Inc.
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Conventional, FHA | 2 | 1.7% | 50% | $205,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 1.7% | 100% | $325,000 | |
Guild Mortgage Company
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Conventional | 2 | 1.7% | 100% | $200,000 | |
American Financial Network, Inc.
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FHA | 2 | 1.7% | 100% | $315,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.7% | 100% | $45,000 | |
Stockton Mortgage Corporation
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Conventional, FHA | 2 | 1.7% | 100% | $390,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 1.7% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 2 | 1.7% | 66.7% | $115,000 | View |
JMAC Lending, Inc.
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Conventional, FHA | 2 | 1.7% | 100% | $450,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.8% | 100% | $195,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.8% | 100% | $145,000 | |
Neighborhood Loans, Inc
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Conventional | 1 | 0.8% | 50% | $15,000 | |
Primary Residential Mortgage, INC.
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VA | 1 | 0.8% | 100% | $385,000 | |
Goodleap, LLC
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FHA | 1 | 0.8% | 33.3% | $265,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.8% | 100% | $395,000 | |
Gvc Mortgage, Inc.
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Conventional | 1 | 0.8% | 100% | $415,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.8% | 100% | $315,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.8% | 50% | $605,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.8% | 25% | $245,000 | |
Valon Mortgage
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Conventional | 1 | 0.8% | 100% | $205,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.8% | 100% | $365,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.8% | 50% | $65,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.8% | 100% | $285,000 | |
Calcon Mutual Mortgage LLC
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VA | 1 | 0.8% | 100% | $275,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.8% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.8% | 100% | $155,000 | View |
Member First Mortgage, LLC
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FHA | 1 | 0.8% | 100% | $195,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.8% | 100% | $105,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.8% | 100% | $355,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.8% | 50% | $225,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.8% | 100% | $485,000 | View |
21St Mortgage
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Conventional | 1 | 0.8% | 12.5% | $115,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.8% | 100% | $85,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.8% | 100% | $85,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.8% | 100% | $245,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Willow Oak 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 Willow Oak, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Willow Oak? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Willow Oak in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Willow Oak, FL
Use these to narrow the list above. Each category shows how many Willow Oak, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Willow Oak, FL
Independent mortgage companies closed 73.3 percent of home loans in Willow Oak, Florida in 2025, banks 10 percent and credit unions 16.7 percent. Triad Financial Services, Inc. was the largest mortgage company, Truist Bank the largest bank and Midflorida Credit Union the largest credit union. Among lenders headquartered in Florida, Midflorida Credit Union led with 9 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 Willow Oak, FL
By home loans closed in 2025, Midflorida Credit Union was the largest mortgage lender in Willow Oak, Florida with 9 loans, about 7.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
27 lenders closed FHA loans in Willow Oak, Florida in 2025, led by United Wholesale Mortgage with 7. 13 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. 12 banks and 7 credit unions closed home loans in Willow Oak, Florida in 2025, alongside 44 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 Willow Oak, 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 Willow Oak, 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 Willow Oak. 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.
