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Mortgage Lenders and Brokers in Winter Haven, Florida

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Winter Haven, Florida mortgage lenders include Southstate Bank, National AssociationSouthstate Bank, National Association3670 Havendale Blvd Nw, Winter Haven, FL 33881A+5.0 ★Texas Ratio: 2.27%, Citizens Bank and TrustCitizens Bank and Trust6340 Cypress Gardens Blvd, Winter Haven, FL 33884D2.1 ★Texas Ratio: 5.22%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1350 6th St Nw, Winter Haven, FL 33881A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank595 Cypress Gardens Blvd, Winter Haven, FL 33880A+5.0 ★Texas Ratio: 2.87%, Regions BankRegions Bank811 1st St S, Winter Haven, FL 33880A+5.0 ★Texas Ratio: 4.37%, Wells Fargo Bank NAWells Fargo Bank NA203 Avenue A Nw, Winter Haven, FL 33881A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA3010 Cypress Gardens Rd, Winter Haven, FL 33884A+5.0 ★Texas Ratio: 4.14%, TD BankTD Bank901 Cypress Gardens Blvd, Winter Haven, FL 33880A+5.0 ★Texas Ratio: 3.71%, Crews Bank & TrustCrews Bank & Trust347 W Central Ave, Winter Haven, FL 33880A+5.0 ★Texas Ratio: 0.31%, and Bank Of Central FloridaBank Of Central Florida201 3rd St Sw, Winter Haven, FL 33880A+5.0 ★Texas Ratio: 1.81%. 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 Haven, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winter Haven 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 Haven, Florida

Market share is the lender's share of all home loans closed in Winter Haven, 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
Southstate Bank, National Association ★ 5 stars, 1 review 2 offices in Winter Haven 3670 Havendale Blvd Nw, Winter Haven, FL 33881 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, HELOC	27 +15 HELOCs	1.5%	93.1%	$150,555	View
Citizens Bank and Trust 2 offices in Winter Haven 6340 Cypress Gardens Blvd, Winter Haven, FL 33884 D2.1 ★Texas Ratio: 5.22%	Conventional, Jumbo	25	1.4%	96.3%	$368,600	View
JPMorgan Chase Bank, NA 2 offices in Winter Haven 1350 6th St Nw, Winter Haven, FL 33881 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	18	1%	86.4%	$203,888	View
Truist Bank ★ 1 stars, 1 review 2 offices in Winter Haven 595 Cypress Gardens Blvd, Winter Haven, FL 33880 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, HELOC	8 +11 HELOCs	0.4%	90%	$193,750	View
Regions Bank 1 office in Winter Haven 811 1st St S, Winter Haven, FL 33880 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	8 +9 HELOCs	0.4%	61.5%	$148,750	View
Wells Fargo Bank NA 2 offices in Winter Haven 203 Avenue A Nw, Winter Haven, FL 33881 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	7	0.4%	63.6%	$270,714	View
Bank of America NA 1 office in Winter Haven 3010 Cypress Gardens Rd, Winter Haven, FL 33884 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +3 HELOCs	0.3%	100%	$269,000	View
TD Bank 1 office in Winter Haven 901 Cypress Gardens Blvd, Winter Haven, FL 33880 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	3 +1 HELOCs	0.2%	50%	$38,333	View
Crews Bank & Trust 1 office in Winter Haven 347 W Central Ave, Winter Haven, FL 33880 A+5.0 ★Texas Ratio: 0.31%	Conventional	3	0.2%	75%	$145,000	View
Bank Of Central Florida 1 office in Winter Haven 201 3rd St Sw, Winter Haven, FL 33880 A+5.0 ★Texas Ratio: 1.81%	Conventional	2	0.1%	100%	$245,000	View
Trustco Bank ★ 1.8 stars, 5 reviews 1 office in Winter Haven 7476 Cypress Gardens Blvd, Winter Haven, FL 33884 A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	50%	$215,000	View
Midflorida Credit Union ★ 1 stars, 1 review 3025 State Road 540 W, Winter Haven, FL 33880 A+5.0 ★Texas Ratio: 3.18%	Conventional, HELOC	75 +33 HELOCs	4.2%	56.2%	$133,400	View
Triad Financial Services, Inc. 1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93%	Conventional	7	0.4%	53.3%	$86,428	View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	Conventional, FHA	4	0.2%	57.1%	$252,500	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional	3	0.2%	60%	$118,333	View
Partners Federal Credit Union 5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65%	Conventional, HELOC	2 +2 HELOCs	0.1%	33.3%	$270,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, VA	2	0.1%	66.7%	$140,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional	2	0.1%	100%	$225,000	View
Prime Meridian Bank 2201 Crawfordville Hwy, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.17%	Conventional, Jumbo	2	0.1%	100%	$685,000	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	1 +14 HELOCs	0.1%	50%	$125,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	FHA, HELOC	1 +5 HELOCs	0.1%	100%	$225,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$305,000	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +2 HELOCs	0.1%	25%	$235,000	View
BMO Harris Bank NA 5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$135,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional	1	0.1%	100%	$235,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$185,000	View
Community Credit Union of Florida 660 West Ave, Cocoa, FL 32927 4971 A+5.0 ★Texas Ratio: 1.43%	HELOC	0 +2 HELOCs	0%	n/a		View
Tropical Financial Credit Union 8947 W Atlantic Blvd, Coral Springs, FL 33071 A5.0 ★Texas Ratio: 6.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Addition Financial Credit Union 847 S Orange Blossom Trl, Apopka, FL 32703 A5.0 ★Texas Ratio: 6.85%	HELOC	0 +1 HELOCs	0%	0%		View
Seacoast National Bank ★ 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
Lennar Mortgage, LLC	Conventional, FHA, VA	86	4.8%	62.2%	$282,209
Trailblazer Mortgage L.L.C.	Conventional, FHA, VA	61	3.4%	92.5%	$302,868
Acrisure Mortgage, LLC	Conventional, FHA, VA	47	2.6%	98%	$313,723
Freedom Mortgage Corporation	FHA, VA	35	2%	84.8%	$274,142
The Mortgage Firm	Conventional, FHA, VA	13	0.7%	100%	$305,769
Lakeview Loan Servicing, LLC	Conventional, FHA	11	0.6%	44.9%	$226,818
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	6	0.3%	75%	$271,666	View
Alkan Mortgage Corporation	Conventional, FHA, VA	6	0.3%	66.7%	$223,333
New Day Financial, LLC.	VA	6	0.3%	46.7%	$318,333
Mortgage Lenders Investment Tr	Conventional, FHA	4	0.2%	100%	$175,000
PHH Mortgage Corporation	Conventional	2	0.1%	66.7%	$205,000
Reliable Holdings Manager dba Lendz Financial	Conventional	2	0.1%	66.7%	$145,000
Ready Mortgage Lenders, LLC	Conventional	1	0.1%	100%	$215,000
Bayfirst Financial A5.0 ★Texas Ratio: 10.20%	HELOC	0 +1 HELOCs	0%	n/a		View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	181 +3 HELOCs	10.2%	81.4%	$274,005
Rocket Mortgage	Conventional, FHA, VA	143	8%	85.4%	$203,671
DHI Mortgage Company, LTD.	Conventional, FHA, VA	103	5.8%	71.9%	$288,398
loanDepot.com LLC	Conventional, FHA, VA	85	4.8%	70.7%	$262,882
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA, VA	70	3.9%	92.3%	$273,428
CrossCountry Mortgage, LLC	Conventional, FHA, VA	39	2.2%	95.1%	$250,641
Mortgage Research Center	Conventional, FHA, VA	39	2.2%	67.2%	$301,666
Pennymac Loan Services LLC	Conventional, FHA, VA	35	2%	72.9%	$250,142
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	33	1.9%	73.3%	$333,181
New American Funding, LLC.	Conventional, FHA, VA	22	1.2%	84.6%	$219,090
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	20 +9 HELOCs	1.1%	67.7%	$270,500
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	20	1.1%	87%	$238,500	View
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA, VA, Jumbo	19	1.1%	90.5%	$261,315	View
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	18	1%	56.2%	$255,555	View
Guild Mortgage Company	Conventional, FHA, VA	16	0.9%	91.3%	$190,000
Guaranteed Rate, Inc.	Conventional, FHA	15	0.8%	83.3%	$214,333
Paramount Residential Mortgage	Conventional, FHA, VA	13	0.7%	100%	$238,846
Nfm, Inc	Conventional, FHA, VA	12	0.7%	100%	$248,333
Nationstar Mortgage	Conventional, FHA, VA	12	0.7%	81.2%	$170,833
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	11 +2 HELOCs	0.6%	84.6%	$255,909	View
RMC Home Mortgage, LLC	FHA, VA	11	0.6%	100%	$330,454
Everett Financial, Inc.	Conventional, FHA	11	0.6%	91.7%	$226,818
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	11	0.6%	100%	$305,000
Equity Prime Mortgage LLC	FHA, VA, USDA	10	0.6%	71.4%	$218,000
Click n' Close, Inc.	Conventional, FHA	10	0.6%	100%	$138,000
Fairway Independent Mort Corp	Conventional, FHA, VA	10	0.6%	90.9%	$201,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	9	0.5%	81.8%	$310,555
Amerisave Mortgage Company	Conventional, FHA, VA	9	0.5%	45%	$156,111
American Financial Network, Inc.	Conventional, FHA, VA	9	0.5%	90%	$265,000
Stockton Mortgage Corporation	Conventional, FHA	9	0.5%	90%	$241,666
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	8	0.4%	41.7%	$205,000	View
JMAC Lending, Inc.	Conventional, FHA	8	0.4%	100%	$245,000
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	7	0.4%	100%	$112,142
Village Capital & Investment	FHA, VA	7	0.4%	55%	$367,857
Cornerstone First Mortgage, LLC	Conventional, FHA, VA	6	0.3%	100%	$176,666
American Financial Resources LLC	Conventional, FHA	6	0.3%	100%	$188,333
Primelending	Conventional, FHA, VA	6	0.3%	100%	$191,666
Movement Mortgage, LLC	Conventional, FHA, VA	6	0.3%	90.9%	$283,333
Union Home Mortgage Corp.	Conventional, VA, USDA	6	0.3%	85.7%	$270,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	5	0.3%	85.7%	$201,000
Kind Lending, LLC	Conventional, FHA	5	0.3%	41.7%	$225,000
Gardner Financial Services	Conventional, FHA	5	0.3%	100%	$287,000
Zillow Home Loans, LLC	Conventional, FHA	5	0.3%	71.4%	$281,000
First Community Mortgage, Inc.	Conventional, FHA	4	0.2%	100%	$235,000
Neighborhood Loans, Inc	Conventional	4	0.2%	41.7%	$15,000
Loanunited.Com, LLC	VA	4	0.2%	100%	$317,500
American Financing Corporation	Conventional, VA	4	0.2%	80%	$277,500
Planet Home Lending, LLC	Conventional, FHA, VA	4	0.2%	66.7%	$217,500
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	4	0.2%	100%	$145,000	View
21St Mortgage	Conventional	4	0.2%	38.5%	$120,000
Plaza Home Mortgage, Inc	Conventional, FHA	4	0.2%	57.1%	$200,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	4	0.2%	80%	$387,500
Champions Funding, LLC	Conventional	4	0.2%	100%	$195,000
The Loan Store, Inc	Conventional, FHA, HELOC	3 +4 HELOCs	0.2%	100%	$341,666
Spring Eq, LLC	Conventional, HELOC	3 +4 HELOCs	0.2%	20%	$88,333
Goodleap, LLC	FHA, VA, HELOC	3 +1 HELOCs	0.2%	80%	$291,666
EMM Loans LLC	Conventional, FHA	3	0.2%	100%	$211,666
Resicentral LLC	Conventional, FHA	3	0.2%	100%	$255,000
AdvantageFirst Lending Inc	Conventional, FHA, VA	3	0.2%	75%	$258,333
AmWest Funding Corp	Conventional, FHA	3	0.2%	100%	$178,333
Discover Bank	Conventional	3	0.2%	12.5%	$55,000
Stg Mortgage Inc	FHA	3	0.2%	100%	$311,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	3	0.2%	100%	$258,333	View
Atlantic Bay Mortgage Group	Conventional, FHA	3	0.2%	100%	$208,333
Encompass Lending Group, L.P.	Conventional, FHA, VA	3	0.2%	100%	$195,000
T2 Financial LLC	FHA, VA	3	0.2%	75%	$268,333
Better Mortgage Corporation	Conventional, FHA	3	0.2%	75%	$225,000
Geo-Corp, Inc.	FHA	3	0.2%	100%	$328,333
Gershman Investment Corp.	FHA, VA	3	0.2%	100%	$268,333
Pentagon Federal Credit Union	FHA, VA, HELOC	2 +3 HELOCs	0.1%	66.7%	$340,000
Equity Resources Inc	Conventional	2	0.1%	100%	$200,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	2	0.1%	100%	$360,000	View
Filo Mortgage, LLC	Conventional	2	0.1%	100%	$235,000
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA	2	0.1%	100%	$65,000
City Lending Inc. A+5.0 ★Texas Ratio: 1.71%	Conventional, FHA	2	0.1%	100%	$190,000	View
Sun West Mortgage Company, Inc	Conventional, FHA	2	0.1%	50%	$140,000
Absolute Home Mortgage	Conventional, FHA	2	0.1%	100%	$285,000
Securitynational Mortgage Company	Conventional, FHA	2	0.1%	100%	$275,000
Midwest Mortgage Associates Corp	FHA	2	0.1%	100%	$190,000
Calcon Mutual Mortgage LLC	Conventional, FHA	2	0.1%	100%	$265,000
Cardinal Financial Company, Li	FHA, VA	2	0.1%	100%	$325,000
Provident Funding Associates	Conventional	2	0.1%	100%	$280,000
Mortgage Equity Partners LLC	Conventional, FHA	2	0.1%	100%	$245,000
Hometown Equity Mortgage, LLC	Conventional	2	0.1%	66.7%	$340,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.1%	50%	$140,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	2	0.1%	100%	$215,000	View
Right Start Mortgage, Inc	Conventional, FHA	2	0.1%	100%	$175,000
Local Bank A5.0 ★Texas Ratio: 8.28%	Conventional, FHA	2	0.1%	100%	$225,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.1%	100%	$450,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.1%	50%	$85,000	View
Loan Simple, Inc.	FHA	2	0.1%	66.7%	$300,000
Leaderone Financial Corp.	Conventional, VA	2	0.1%	100%	$245,000
Tomo Mortgage LLC	Conventional	2	0.1%	100%	$410,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$65,000
Originpoint, LLC	Conventional	1	0.1%	100%	$245,000
Cliffco, Inc.	FHA	1	0.1%	100%	$275,000
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$65,000
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$345,000
Affordable Mortgage Advisors	Conventional	1	0.1%	100%	$265,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$555,000
Nbkc Bank	Conventional	1	0.1%	100%	$665,000
Norwich Commercial Group Inc	FHA	1	0.1%	100%	$315,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$185,000	View
United Trust Bank	VA	1	0.1%	100%	$345,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$175,000
Preferred Lending Services, LLC	Conventional	1	0.1%	100%	$455,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	FHA	1	0.1%	25%	$225,000	View
Valley West Corporation	VA	1	0.1%	100%	$385,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$245,000	View
HomeXpress Mortgage Corp.	Conventional	1	0.1%	50%	$205,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	FHA	1	0.1%	100%	$315,000	View
Thompson Kane & Company, Inc	FHA	1	0.1%	100%	$275,000
Michigan Mutual, Inc	FHA	1	0.1%	100%	$225,000
PFN Lending Group, Inc.	FHA	1	0.1%	100%	$165,000
NJ Lenders Corp	FHA	1	0.1%	100%	$345,000
American Liberty Mortgage Inco	FHA	1	0.1%	100%	$295,000
Sfmc, LP	Conventional	1	0.1%	100%	$215,000
First Alliance Home Mortgage, LLC	FHA	1	0.1%	100%	$215,000
Ahl Funding	FHA	1	0.1%	100%	$285,000
Ross Mortgage Corporation	VA, Jumbo	1	0.1%	100%	$1,175,000
Das Acquisition Company, LLC	Conventional	1	0.1%	100%	$345,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$215,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$125,000
ClearPath Lending	VA	1	0.1%	100%	$375,000
Flat Branch Mortgage, Inc.	FHA	1	0.1%	100%	$275,000
Bay Equity LLC	FHA	1	0.1%	100%	$375,000
West Gate Bank A+5.0 ★Texas Ratio: 1.69%	Conventional	1	0.1%	100%	$305,000	View
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$225,000
Point Mortgage Corp	FHA	1	0.1%	100%	$305,000
Premium Mortgage Corporation	FHA	1	0.1%	100%	$125,000
The Equitable Mortgage Corporation	Conventional	1	0.1%	100%	$145,000
Intelliloan, Inc.	FHA	1	0.1%	100%	$365,000
Embrace Home Loans, Inc.	Conventional	1	0.1%	100%	$295,000
Nations Lending Corporation	Conventional	1	0.1%	100%	$245,000
Waterstone Mortgage Corporation	FHA	1	0.1%	100%	$335,000
BoxCar Mortgage, LLC	FHA	1	0.1%	100%	$215,000
American Pacific Mortgage Corporation	FHA	1	0.1%	100%	$255,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$125,000	View
Union Savings Bank	Conventional	1	0.1%	100%	$825,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	33.3%	$245,000	View
Member First Mortgage, LLC	FHA	1	0.1%	50%	$305,000
Acopia, LLC	FHA	1	0.1%	100%	$275,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$155,000
Towne Mortgage Company	FHA	1	0.1%	100%	$215,000
Self Help Credit Union	Conventional	1	0.1%	100%	$215,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$245,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$275,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$265,000
Keystone Funding, Inc	Conventional	1	0.1%	100%	$165,000
Associated Bank NA A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.1%	100%	$385,000	View
Endeavor Capital, LLC	VA	1	0.1%	100%	$335,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$205,000	View
Prosperity Home Mortgage, LLC	FHA	1	0.1%	100%	$205,000
Mutual of Omaha Mortgage	FHA	1	0.1%	25%	$225,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	33.3%	$145,000	View
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$145,000
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	VA	1	0.1%	100%	$215,000	View
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	1	0.1%	100%	$245,000
RBC Bank (Georgia), N.A.	Conventional	1	0.1%	100%	$305,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$205,000	View
Reliance First Capital, LLC	VA	1	0.1%	100%	$505,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	100%	$155,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$345,000
Coastal Community Bank	HELOC	0 +11 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +4 HELOCs	0%	0%
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Franklin Mint Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lake Michigan Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Winter Haven Mortgage Rate Trends

Daily average mortgage rates for Florida compared with the national average, updated every evening.

30-Year Fixed FL Avg

7.306%

▲ 0.071 vs 7 days ago

15-Year Fixed FL Avg

6.730%

▲ 0.011 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Winter Haven, Florida

Looking for mortgage lenders near me or mortgage brokers near me in Winter Haven? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winter Haven in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Winter Haven, FL

Use these to narrow the list above. Each category shows how many Winter Haven, FL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 152 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 48 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 15 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 112 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 61 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 3 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 31 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Winter Haven, FL

Independent mortgage companies closed 83.6 percent of home loans in Winter Haven, Florida in 2025, banks 10.3 percent and credit unions 6.1 percent. Triad Financial Services, Inc. was the largest mortgage company, Southstate Bank, National Association the largest bank and Midflorida Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 27 loans.

83.6%

Mortgage companies

10.3%

Banks

6.1%

Credit unions

42%

FHA loans

15%

VA 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

All Florida lenders 1,647 lenders Jacksonville 444 lenders Port St. Lucie 359 lenders Cape Coral 422 lenders Tampa 363 lenders Lehigh Acres 298 lenders Orlando 345 lenders St. Cloud 266 lenders St. Petersburg 346 lenders Palm Bay 258 lenders Spring Hill 261 lenders Tallahassee 233 lenders Lakewood Ranch 319 lenders

Frequently Asked Questions About Mortgage Lenders in Winter Haven, FL

Who is the largest mortgage lender in Winter Haven, FL?

By home loans closed in 2025, Southstate Bank, National Association was the largest mortgage lender in Winter Haven, Florida with 27 loans, about 1.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Winter Haven, FL have the highest approval rates?

Among lenders with meaningful volume in Winter Haven, Florida, Trailblazer Mortgage L.L.C. approved the highest share of completed applications in 2025 at 92.5 percent, against a 75.4 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.

Which Winter Haven, FL mortgage lenders offer FHA, VA and USDA loans?

112 lenders closed FHA loans in Winter Haven, Florida in 2025, led by DHI Mortgage Company, LTD. with 78. 61 lenders closed VA loans, led by United Wholesale Mortgage, and 3 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.

Are credit unions and local banks included in this Winter Haven, FL lender list?

Yes. 48 banks and 15 credit unions closed home loans in Winter Haven, Florida in 2025, alongside 152 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.

How are mortgage lenders in Winter Haven, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Winter Haven, 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 Haven, 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 Haven. 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.