Mortgage Lenders and Brokers in Winter 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
Winter Beach, Florida mortgage lenders include Space Coast Credit UnionSpace Coast Credit Union20437 State Road 7, Boca Raton, FL 33498A+5.0 ★Texas Ratio: 5.37%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, Seacoast National BankSeacoast National Bank345 E Main St, Apopka, FL 32703A+5.0 ★Texas Ratio: 2.72%, TD BankTD Bank514 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.71%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Midflorida Credit UnionMidflorida Credit Union1199 Spring Centre South Blvd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.18%, M&T BankM&T Bank850 Park Shore Drive, Naples, FL 34103A+5.0 ★Texas Ratio: 4.11%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, 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 Winter Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winter 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 Winter Beach, Florida
Market share is the lender's share of all home loans closed in Winter 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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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
Conventional, Jumbo, HELOC | 8 +5 HELOCs |
4.6% | 72.7% | $306,250 | 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 | 8 +1 HELOCs |
4.6% | 88.9% | $460,000 | 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, Jumbo, HELOC | 7 +1 HELOCs |
4% | 100% | $576,428 | View |
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★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
Conventional, HELOC | 3 +4 HELOCs |
1.7% | 100% | $395,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 3 +3 HELOCs |
1.7% | 100% | $215,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.7% | 100% | $361,666 | 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 | 2 +5 HELOCs |
1.1% | 60% | $195,000 | View |
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850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.1% | 100% | $530,000 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.1% | 100% | $445,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 1 +4 HELOCs |
0.6% | 100% | $825,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $205,000 | 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 | 0.6% | 100% | $625,000 | 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 | 1 | 0.6% | 50% | $205,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.6% | 100% | $105,000 | View |
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2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
Conventional | 1 | 0.6% | 100% | $275,000 | View |
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14640 Hanger Rd, Cape Canaveral, FL 32920 A5.0 ★Texas Ratio: 7.61% |
Conventional | 1 | 0.6% | 50% | $455,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
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★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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790 Park of Commerce Blvd, Boca Raton, FL 33487 A+5.0 ★Texas Ratio: 5.06% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 3 | 1.7% | 80% | $348,333 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $365,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.6% | 100% | $75,000 | |
First Equity Mortgage Bankers Inc.
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Conventional | 1 | 0.6% | 100% | $545,000 | |
DG Pinnacle Funding, LLC
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Conventional | 1 | 0.6% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 4.56% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
Rocket Mortgage
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Conventional, FHA, VA | 19 | 10.9% | 91.3% | $244,473 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 18 | 10.3% | 100% | $475,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 13 | 7.4% | 94.1% | $441,923 | |
Pulte Mortgage LLC
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Conventional, VA | 12 | 6.9% | 100% | $375,833 | |
Union Home Mortgage Corp.
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Conventional, VA, Jumbo, HELOC | 5 +1 HELOCs |
2.9% | 100% | $421,000 | |
Nationstar Mortgage
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Conventional | 4 | 2.3% | 80% | $147,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 1.7% | 100% | $401,666 | |
Pennymac Loan Services LLC
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Conventional | 3 | 1.7% | 75% | $275,000 | |
Contour Mortgage Corporation
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Conventional | 2 | 1.1% | 100% | $245,000 | |
HomeXpress Mortgage Corp.
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Conventional | 2 | 1.1% | 100% | $525,000 | |
Bayshore Mortgage Funding
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Conventional | 2 | 1.1% | 100% | $480,000 | |
Total Mortgage Services, LLC
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Conventional, Jumbo | 2 | 1.1% | 100% | $675,000 | |
Provident Funding Associates
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Conventional | 2 | 1.1% | 100% | $180,000 | |
T2 Financial LLC
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Conventional | 2 | 1.1% | 100% | $550,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 1.1% | 100% | $260,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 2 | 1.1% | 100% | $1,055,000 | View |
Spring Eq, LLC
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Conventional | 2 | 1.1% | 50% | $85,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.6% | 100% | $355,000 | View |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.6% | 100% | $455,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.6% | 100% | $175,000 | |
Nbkc Bank
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Conventional | 1 | 0.6% | 100% | $315,000 | |
Loansteady LLC
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VA | 1 | 0.6% | 100% | $725,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $765,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $315,000 | |
The Farmers & Merchants State Bank
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Conventional | 1 | 0.6% | 100% | $405,000 | |
NJ Lenders Corp
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Conventional | 1 | 0.6% | 100% | $375,000 | |
City 1st Mortgage Services, LC
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Conventional | 1 | 0.6% | 100% | $305,000 | |
Dort Financial Credit Union
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Conventional | 1 | 0.6% | 100% | $415,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $375,000 | |
Evergreen Moneysource Mortgage Company
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Conventional | 1 | 0.6% | 100% | $405,000 | |
Communityamerica Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $285,000 | View |
Evolve Bank & Trust
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Conventional | 1 | 0.6% | 100% | $375,000 | |
Mortgage Research Center
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VA | 1 | 0.6% | 100% | $655,000 | |
Bay Capital Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $445,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $455,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.6% | 100% | $435,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.6% | 100% | $345,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.6% | 100% | $515,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.6% | 100% | $335,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.6% | 33.3% | $335,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $515,000 | |
Coastal Community Bank
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Citizens Equity First Credit U
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Atlanta Postal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | 0% |
Winter 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 Winter Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Winter Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winter Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Winter Beach, FL
Use these to narrow the list above. Each category shows how many Winter Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Winter Beach, FL
Independent mortgage companies closed 68 percent of home loans in Winter Beach, Florida in 2025, banks 24.6 percent and credit unions 7.4 percent. Freedom Mortgage Corporation was the largest mortgage company, Truist Bank the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, Space Coast Credit Union 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 Winter Beach, FL
By home loans closed in 2025, Space Coast Credit Union was the largest mortgage lender in Winter Beach, Florida with 8 loans, about 4.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Winter Beach, Florida in 2025, led by United Wholesale Mortgage with 4. 9 lenders closed VA loans, led by Rocket 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. 23 banks and 10 credit unions closed home loans in Winter Beach, 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 Winter 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 Winter 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 Winter 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.
