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Mortgage Lenders and Brokers in Winter Springs, Florida

Content reviewed by

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

Winter Springs, Florida mortgage lenders include Regions BankRegions Bank5830 Red Bug Lake Rd, Winter Springs, FL 32708A+5.0 ★Texas Ratio: 4.37%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1210 E State Road 434, Winter Springs, FL 32708A+5.0 ★Texas Ratio: 3.68%, Trustco BankTrustco Bank1295 Tuskawilla Rd, Winter Springs, FL 32708A+5.0 ★Texas Ratio: 4.14%, Bank of America NABank of America NA1445 Tuskawilla Rd, Winter Springs, FL 32708A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA5600 Red Bug Lake Rd, Winter Springs, FL 32708A+5.0 ★Texas Ratio: 5.36%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1181 East State Road 434, Winter Springs, FL 32708A+5.0 ★Texas Ratio: 3.22%, Truist BankTruist Bank5775 Red Bug Lake Rd, Winter Springs, FL 32708A+5.0 ★Texas Ratio: 2.87%, Fairwinds Credit UnionFairwinds Credit Union1475 Tuskawilla Rd, Winter Springs, FL 32708 5209A+5.0 ★Texas Ratio: 2.64%, Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, and TD BankTD Bank514 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.71%. 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 Springs, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winter Springs 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 Springs, Florida

Market share is the lender's share of all home loans closed in Winter Springs, 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
Regions Bank 1 office in Winter Springs 5830 Red Bug Lake Rd, Winter Springs, FL 32708 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	8 +6 HELOCs	1.1%	57.9%	$208,750	View
JPMorgan Chase Bank, NA 2 offices in Winter Springs 1210 E State Road 434, Winter Springs, FL 32708 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	8	1.1%	88.9%	$293,750	View
Trustco Bank ★ 1.8 stars, 5 reviews 2 offices in Winter Springs 1295 Tuskawilla Rd, Winter Springs, FL 32708 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +16 HELOCs	0.9%	87.5%	$269,285	View
Bank of America NA 2 offices in Winter Springs 1445 Tuskawilla Rd, Winter Springs, FL 32708 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	5 +25 HELOCs	0.7%	71.4%	$233,000	View
Wells Fargo Bank NA 1 office in Winter Springs 5600 Red Bug Lake Rd, Winter Springs, FL 32708 A+5.0 ★Texas Ratio: 5.36%	Conventional	4	0.5%	57.1%	$320,000	View
Fifth Third Bank, National Association 1 office in Winter Springs 1181 East State Road 434, Winter Springs, FL 32708 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	2 +15 HELOCs	0.3%	100%	$270,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Winter Springs 5775 Red Bug Lake Rd, Winter Springs, FL 32708 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +19 HELOCs	0.1%	100%	$155,000	View
Fairwinds Credit Union 1475 Tuskawilla Rd, Winter Springs, FL 32708 5209 A+5.0 ★Texas Ratio: 2.64%	Conventional, Jumbo, HELOC	32 +16 HELOCs	4.2%	78%	$202,187	View
Southstate Bank, National Association ★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, Jumbo, HELOC	7 +1 HELOCs	0.9%	100%	$282,142	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional	4	0.5%	100%	$137,500	View
Climate First Bank 2755 E Orange Ave, Eustis, FL 32726 A+5.0 ★Texas Ratio: 1.15%	Conventional, FHA, Jumbo	3	0.4%	100%	$711,666	View
Florida Capital Bank, N.A 241 Sw 7th Ter, Gainesville, FL 32601	Conventional	3	0.4%	100%	$421,666
Addition Financial Credit Union 847 S Orange Blossom Trl, Apopka, FL 32703 A5.0 ★Texas Ratio: 6.85%	Conventional, HELOC	2 +6 HELOCs	0.3%	100%	$170,000	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%	Conventional, HELOC	2 +6 HELOCs	0.3%	100%	$295,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	2 +5 HELOCs	0.3%	100%	$415,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	2 +2 HELOCs	0.3%	40%	$125,000	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$520,000	View
Partners Federal Credit Union 5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65%	Conventional	2	0.3%	100%	$285,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA	2	0.3%	100%	$300,000	View
Cogent Bank 1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54%	Conventional, VA	2	0.3%	100%	$390,000	View
Trustmark Bank 993 Us Highway 31 South, Defuniak Springs, FL 32435 A+5.0 ★Texas Ratio: 2.40%	Conventional, FHA	2	0.3%	100%	$190,000	View
Mccoy Federal Credit Union 931 N Park Ave, Apopka, FL 32712 A+5.0 ★Texas Ratio: 3.49%	Conventional	2	0.3%	100%	$130,000	View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	Conventional, Jumbo, HELOC	1 +4 HELOCs	0.1%	100%	$1,435,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$445,000	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$295,000	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$395,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$285,000	View
Publix Employees Federal Credit Union 482 E Altamonte Dr Ste 1010, Altamonte Springs, FL 32701 4604 A+5.0 ★Texas Ratio: 2.50%	Conventional	1	0.1%	100%	$505,000	View
Launch Credit Union 14640 Hanger Rd, Cape Canaveral, FL 32920 A5.0 ★Texas Ratio: 7.61%	Conventional	1	0.1%	100%	$35,000	View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	100%	$275,000	View
One Florida Bank 21 E 3rd St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 1.41%	Conventional	1	0.1%	100%	$645,000	View
Midflorida Credit Union ★ 1 stars, 1 review 1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.18%	Conventional	1	0.1%	25%	$35,000	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$415,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +5 HELOCs	0%	0%		View
Usf Credit Union 16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +1 HELOCs	0%	n/a		View
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +1 HELOCs	0%	n/a		View
Mattamy Home Funding LLC	Conventional, FHA, VA	42	5.5%	91.3%	$348,809
Acrisure Mortgage, LLC	Conventional, FHA, VA	22	2.9%	100%	$418,636
The Mortgage Firm	Conventional, FHA	12	1.6%	100%	$365,000
Freedom Mortgage Corporation	FHA, VA	8	1.1%	80%	$388,750
Alkan Mortgage Corporation	Conventional, FHA, VA	8	1.1%	100%	$376,250
Lakeview Loan Servicing, LLC	Conventional, FHA	3	0.4%	31.2%	$148,333
Mortgage Lenders Investment Tr	Conventional, VA	3	0.4%	100%	$391,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	50%	$255,000	View
Coastal Loans, LLC	Conventional	1	0.1%	100%	$255,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$445,000
Fairway Funding Group, Inc	Conventional	1	0.1%	100%	$335,000
Builders Choice Mortgage LLC	Conventional	1	0.1%	100%	$725,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	106 +2 HELOCs	14%	90.6%	$386,509
Rocket Mortgage	Conventional, FHA, VA, Jumbo	87	11.5%	89%	$226,954
Pennymac Loan Services LLC	Conventional, FHA, VA	27	3.6%	90%	$344,629
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	21 +1 HELOCs	2.8%	100%	$495,952
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	18 +8 HELOCs	2.4%	82.6%	$286,111
Nationstar Mortgage	Conventional, FHA	14	1.8%	100%	$162,142
Movement Mortgage, LLC	Conventional, FHA, HELOC	13 +2 HELOCs	1.7%	100%	$261,923
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	13	1.7%	100%	$414,230	View
Fairway Independent Mort Corp	Conventional, FHA, VA	12	1.6%	100%	$415,833
loanDepot.com LLC	Conventional, FHA, VA, HELOC	11 +3 HELOCs	1.5%	91.7%	$322,272
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA	11	1.5%	64.7%	$318,636	View
New American Funding, LLC.	Conventional, FHA	10	1.3%	100%	$254,000
First Community Mortgage, Inc.	Conventional, FHA, VA	7	0.9%	87.5%	$356,428
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	7	0.9%	87.5%	$306,428	View
Guaranteed Rate Affinity, LLC	Conventional	6	0.8%	85.7%	$395,000
Kind Lending, LLC	Conventional, FHA, VA	6	0.8%	85.7%	$310,000
Waterstone Mortgage Corporation	Conventional, FHA	6	0.8%	75%	$336,666
Mortgage Research Center	VA	6	0.8%	75%	$461,666
Discover Bank	Conventional	5	0.7%	41.7%	$133,000
Zillow Home Loans, LLC	Conventional, FHA	5	0.7%	100%	$309,000
Paramount Residential Mortgage	Conventional, FHA	5	0.7%	71.4%	$299,000
Spring Eq, LLC	Conventional, HELOC	4 +3 HELOCs	0.5%	57.1%	$145,000
Primelending	Conventional, FHA	4	0.5%	100%	$285,000
Union Home Mortgage Corp.	Conventional, FHA, VA	4	0.5%	100%	$412,500
Mortgage Equity Partners LLC	Conventional, FHA	4	0.5%	66.7%	$310,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	4	0.5%	66.7%	$267,500	View
JMAC Lending, Inc.	Conventional, FHA	4	0.5%	100%	$350,000
American Financial Resources LLC	Conventional, FHA	3	0.4%	100%	$268,333
American Financial Network, Inc.	Conventional	3	0.4%	100%	$435,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA	3	0.4%	66.7%	$481,666	View
Securitynational Mortgage Company	Conventional, FHA	3	0.4%	100%	$331,666
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, VA	3	0.4%	100%	$431,666	View
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional	3	0.4%	100%	$245,000	View
Nexera Holding LLC	Conventional	3	0.4%	100%	$398,333
Guaranteed Rate, Inc.	Conventional, FHA	2	0.3%	100%	$380,000
Royal United Mortgage LLC	Conventional	2	0.3%	100%	$80,000
Primary Residential Mortgage, INC.	Conventional	2	0.3%	100%	$130,000
Everett Financial, Inc.	FHA	2	0.3%	100%	$365,000
Filo Mortgage, LLC	Conventional	2	0.3%	100%	$480,000
Oaktree Funding Corp	Conventional	2	0.3%	100%	$305,000
Amerisave Mortgage Company	Conventional	2	0.3%	18.2%	$95,000
Guild Mortgage Company	Conventional, FHA	2	0.3%	100%	$320,000
Das Acquisition Company, LLC	Conventional	2	0.3%	100%	$485,000
Nfm, Inc	Conventional, VA	2	0.3%	100%	$300,000
Planet Home Lending, LLC	Conventional, FHA	2	0.3%	100%	$430,000
Lendsure Mortgage Corp.	Conventional	2	0.3%	100%	$675,000
Park Lane Finance SolutionsLLC	Conventional	2	0.3%	100%	$125,000
Better Mortgage Corporation	Conventional	2	0.3%	66.7%	$295,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	2	0.3%	100%	$260,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.3%	100%	$400,000	View
Plaza Home Mortgage, Inc	Conventional, VA	2	0.3%	100%	$300,000
Top Flite Financial, Inc.	Conventional, FHA	2	0.3%	100%	$245,000
Leaderone Financial Corp.	Conventional, VA	2	0.3%	66.7%	$475,000
Champions Funding, LLC	Conventional	2	0.3%	100%	$320,000
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	2	0.3%	100%	$240,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$295,000
The Loan Store, Inc	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$285,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$1,005,000	View
Quorum Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$425,000
EMM Loans LLC	Conventional	1	0.1%	100%	$215,000
Equity Resources Inc	Conventional	1	0.1%	100%	$335,000
Originpoint, LLC	Conventional	1	0.1%	100%	$245,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$305,000
Neighborhood Loans, Inc	Conventional	1	0.1%	100%	$15,000
Goodleap, LLC	Conventional	1	0.1%	50%	$65,000
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.1%	100%	$345,000
Brighton Bank	Conventional	1	0.1%	100%	$265,000
Nbkc Bank	Conventional	1	0.1%	100%	$175,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.1%	100%	$255,000
Loanunited.Com, LLC	Conventional	1	0.1%	100%	$565,000
Advancial Federal Credit Union	Conventional	1	0.1%	100%	$225,000
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$95,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$185,000
Valley West Corporation	VA	1	0.1%	100%	$645,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	VA	1	0.1%	100%	$425,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	VA	1	0.1%	100%	$355,000	View
Ahl Funding	Conventional	1	0.1%	100%	$215,000
Intercoastal Mortgage, LLC A+5.0 ★Texas Ratio: 0.40%	VA	1	0.1%	100%	$635,000	View
Click n' Close, Inc.	Conventional	1	0.1%	100%	$105,000
Network Capital Funding Corporation	Conventional	1	0.1%	50%	$255,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$395,000
ClearPath Lending	VA	1	0.1%	100%	$395,000
Bay Equity LLC	Conventional	1	0.1%	100%	$795,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$235,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.1%	100%	$205,000
Homeowners Financial Group, LLC	Conventional	1	0.1%	100%	$675,000
Bokf NA A+5.0 ★Texas Ratio: 1.05%	Conventional	1	0.1%	100%	$405,000	View
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	FHA	1	0.1%	100%	$365,000	View
Point Mortgage Corp	Conventional	1	0.1%	50%	$545,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$65,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	50%	$205,000	View
Embrace Home Loans, Inc.	FHA	1	0.1%	100%	$425,000
Nations Lending Corporation	FHA	1	0.1%	100%	$375,000
T2 Financial LLC	FHA	1	0.1%	100%	$405,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	100%	$275,000
American Pacific Mortgage Corporation	VA	1	0.1%	100%	$345,000
Nasa Federal Credit Union	Conventional	1	0.1%	100%	$155,000
Firefighters First Federal Credit Union	Conventional	1	0.1%	100%	$115,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$85,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$485,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$275,000	View
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$385,000
Summit Funding.Inc	Conventional	1	0.1%	100%	$355,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$115,000
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$295,000
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	1	0.1%	100%	$295,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$595,000	View
21St Mortgage	Conventional	1	0.1%	33.3%	$35,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$155,000
Union Capital Mortgage Corp	VA	1	0.1%	100%	$295,000
Gershman Investment Corp.	Conventional	1	0.1%	100%	$295,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$85,000
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +7 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +6 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +4 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Communityamerica Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Longbridge Financial, LLC	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 Springs 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 Springs, Florida

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

Types of Mortgage Lenders in Winter Springs, FL

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

Mortgage companies and brokers 103 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 47 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 20 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 48 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 33 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 8 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 29 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Winter Springs, FL

Independent mortgage companies closed 74.1 percent of home loans in Winter Springs, Florida in 2025, banks 16.8 percent and credit unions 9.1 percent. Mattamy Home Funding LLC was the largest mortgage company, Regions Bank the largest bank and Fairwinds Credit Union the largest credit union. Among lenders headquartered in Florida, Fairwinds Credit Union led with 32 loans.

74.1%

Mortgage companies

16.8%

Banks

9.1%

Credit unions

16%

FHA loans

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 Springs, FL

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

By home loans closed in 2025, Regions Bank was the largest mortgage lender in Winter Springs, Florida with 8 loans, about 1.1 percent of the market. The largest lender headquartered in Florida was Fairwinds Credit Union with 32 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Winter Springs, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 90.6 percent, against a 85.4 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 Springs, FL mortgage lenders offer FHA, VA and USDA loans?

48 lenders closed FHA loans in Winter Springs, Florida in 2025, led by United Wholesale Mortgage with 22. 33 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.

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

Yes. 47 banks and 20 credit unions closed home loans in Winter Springs, Florida in 2025, alongside 103 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 Springs, FL ranked on this page?

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