Mortgage Lenders and Brokers in Zephyrhills, 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
Zephyrhills, Florida mortgage lenders include Southstate Bank, National AssociationSouthstate Bank, National Association6930 Gall Blvd, Zephyrhills, FL 33542A+5.0 ★Texas Ratio: 2.27%, Truist BankTruist Bank7809 Gall Blvd, Zephyrhills, FL 33541A+5.0 ★Texas Ratio: 2.87%, Centennial BankCentennial Bank37741 Eiland Blvd, Zephyrhills, FL 33542A+5.0 ★Texas Ratio: 3.14%, Bank of America NABank of America NA5632 Gall Blvd, Zephyrhills, FL 33542A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA7800 Gall Blvd, Zephyrhills, FL 33541A+5.0 ★Texas Ratio: 3.68%, Suncoast Credit UnionSuncoast Credit Union32745 Eiland Blvd, Zephyrhills, FL 33545 5268A5.0 ★Texas Ratio: 6.26%, San Antonio Citizens Federal Credit UnionSan Antonio Citizens Federal Credit Union7301 Gall Blvd, Zephyrhills, FL 33541A+5.0 ★Texas Ratio: 1.09%, Triad Financial Services, Inc.Triad Financial Services, Inc.36239 Pure Water Way, Zephyrhills, FL 33541A+5.0 ★Texas Ratio: 5.93%, Gte Federal Credit UnionGte Federal Credit Union7375 University Pkwy, Bradenton, FL 34202 2300A5.0 ★Texas Ratio: 7.65%, and Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%. 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 Zephyrhills, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Zephyrhills 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 Zephyrhills, Florida
Market share is the lender's share of all home loans closed in Zephyrhills, 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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★ 5 stars, 1 review 1 office in Zephyrhills 6930 Gall Blvd, Zephyrhills, FL 33542 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA, HELOC | 22 +1 HELOCs |
4% | 81.5% | $198,181 | View |
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★ 1 stars, 1 review 1 office in Zephyrhills 7809 Gall Blvd, Zephyrhills, FL 33541 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 3 +9 HELOCs |
0.5% | 100% | $195,000 | View |
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1 office in Zephyrhills 37741 Eiland Blvd, Zephyrhills, FL 33542 A+5.0 ★Texas Ratio: 3.14% |
Conventional, FHA | 3 | 0.5% | 75% | $108,333 | View |
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1 office in Zephyrhills 5632 Gall Blvd, Zephyrhills, FL 33542 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +5 HELOCs |
0.2% | 50% | $215,000 | View |
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1 office in Zephyrhills 7800 Gall Blvd, Zephyrhills, FL 33541 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 50% | $125,000 | View |
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32745 Eiland Blvd, Zephyrhills, FL 33545 5268 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 8 +21 HELOCs |
1.5% | 72.7% | $266,250 | View |
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7301 Gall Blvd, Zephyrhills, FL 33541 A+5.0 ★Texas Ratio: 1.09% |
Conventional | 6 | 1.1% | 70% | $228,333 | View |
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36239 Pure Water Way, Zephyrhills, FL 33541 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 5 | 0.9% | 45.5% | $73,000 | View |
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7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
Conventional | 5 | 0.9% | 55.6% | $125,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 4 +1 HELOCs |
0.7% | 80% | $70,000 | View |
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16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $280,000 | View |
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2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
Conventional, FHA | 2 | 0.4% | 100% | $380,000 | 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% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $115,000 | View |
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12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $325,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 50% | $35,000 | 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% | $175,000 | View |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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701 9th St W, Bradenton, FL 34205 8656 A+5.0 ★Texas Ratio: 5.46% |
Conventional | 1 | 0.2% | 100% | $45,000 | View |
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101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.2% | 50% | $485,000 | 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 | 1 | 0.2% | 20% | $435,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional | 1 | 0.2% | 100% | $535,000 | View |
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211 Havendale Blvd, Auburndale, FL 33823 D2.1 ★Texas Ratio: 5.22% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Trailblazer Mortgage L.L.C.
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Conventional, FHA, VA | 41 | 7.5% | 93.3% | $237,195 | |
Freedom Mortgage Corporation
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FHA, VA | 11 | 2% | 73.3% | $293,181 | |
The Mortgage Firm
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Conventional, FHA, VA | 8 | 1.5% | 100% | $241,250 | |
PHH Mortgage Corporation
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Conventional, FHA | 2 | 0.4% | 100% | $190,000 | |
American Bancshares Mortgage, LLC
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Conventional | 2 | 0.4% | 100% | $130,000 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.2% | 14.3% | $375,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 0.2% | 50% | $255,000 | |
Alkan Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $505,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 11.1% | $145,000 | |
Mortgage Lenders Investment Tr
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FHA | 1 | 0.2% | 100% | $265,000 | |
Metroplex Mortgage Services
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FHA | 1 | 0.2% | 100% | $225,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, HELOC | 76 +1 HELOCs |
13.8% | 74.5% | $242,894 | |
Rocket Mortgage
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Conventional, FHA, VA | 36 | 6.6% | 61% | $220,277 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 27 | 4.9% | 75% | $308,703 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA, Jumbo | 16 | 2.9% | 72.7% | $301,250 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 15 +1 HELOCs |
2.7% | 78.9% | $240,333 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 15 | 2.7% | 75% | $286,333 | |
Mortgage Research Center
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FHA, VA | 11 | 2% | 61.1% | $264,090 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 10 | 1.8% | 93.3% | $211,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 7 +3 HELOCs |
1.3% | 57.1% | $175,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 7 +1 HELOCs |
1.3% | 100% | $200,714 | |
Equity Prime Mortgage LLC
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FHA, VA, USDA | 7 | 1.3% | 87.5% | $257,857 | |
The Loan Store, Inc
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Conventional, FHA | 7 | 1.3% | 100% | $300,714 | |
Everett Financial, Inc.
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Conventional, FHA | 6 | 1.1% | 100% | $140,000 | |
Nationstar Mortgage
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Conventional | 6 | 1.1% | 100% | $131,666 | |
Fairway Independent Mort Corp
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Conventional, FHA | 6 | 1.1% | 100% | $253,333 | |
Union Home Mortgage Corp.
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Conventional, FHA, HELOC | 5 +1 HELOCs |
0.9% | 100% | $241,000 | |
Kind Lending, LLC
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Conventional, FHA | 5 | 0.9% | 83.3% | $205,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 5 | 0.9% | 100% | $195,000 | |
New American Funding, LLC.
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Conventional, FHA | 5 | 0.9% | 83.3% | $261,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA, USDA | 5 | 0.9% | 83.3% | $283,000 | |
Gershman Investment Corp.
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Conventional, FHA | 5 | 0.9% | 100% | $259,000 | |
loanDepot.com LLC
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Conventional, HELOC | 4 +1 HELOCs |
0.7% | 44.4% | $82,500 | |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 0.7% | 22.2% | $130,000 | |
Paramount Residential Mortgage
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FHA | 4 | 0.7% | 100% | $250,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
FHA, VA | 4 | 0.7% | 60% | $255,000 | View |
American Neighborhood Mortgage Acceptance Company
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FHA, USDA | 4 | 0.7% | 100% | $242,500 | |
EMM Loans LLC
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Conventional, FHA | 3 | 0.5% | 75% | $211,666 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 3 | 0.5% | 100% | $175,000 | |
Guild Mortgage Company
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Conventional, VA | 3 | 0.5% | 100% | $168,333 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA | 3 | 0.5% | 100% | $208,333 | View |
NJ Lenders Corp
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Conventional, FHA | 3 | 0.5% | 100% | $235,000 | |
Discover Bank
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Conventional | 3 | 0.5% | 27.3% | $55,000 | |
Top Flite Financial, Inc.
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Conventional, FHA | 3 | 0.5% | 100% | $158,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.4% | 40% | $60,000 | |
American Financial Resources LLC
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FHA | 2 | 0.4% | 100% | $290,000 | |
American Financial Network, Inc.
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FHA | 2 | 0.4% | 50% | $160,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional, FHA | 2 | 0.4% | 100% | $215,000 | View |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $150,000 | |
VanDyk Mortgage Corporation
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Conventional, FHA | 2 | 0.4% | 100% | $305,000 | |
Planet Home Lending, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $395,000 | |
BoxCar Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $360,000 | |
Gardner Financial Services
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Conventional, FHA | 2 | 0.4% | 100% | $280,000 | |
Lake Michigan Credit Union
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Conventional | 2 | 0.4% | 66.7% | $210,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.4% | 100% | $265,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.4% | 50% | $85,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 2 | 0.4% | 100% | $275,000 | View |
Southwest Stage Funding LLC
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Conventional | 2 | 0.4% | 66.7% | $160,000 | |
21St Mortgage
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Conventional | 2 | 0.4% | 14.3% | $170,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.4% | 100% | $115,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.4% | 50% | $50,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 0.4% | 100% | $100,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 2 | 0.4% | 33.3% | $155,000 | |
JMAC Lending, Inc.
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FHA | 2 | 0.4% | 100% | $270,000 | |
Goodleap, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 20% | $235,000 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $305,000 | |
Hartford Funding, Ltd.
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Conventional | 1 | 0.2% | 100% | $295,000 | |
Guaranteed Rate Affinity, LLC
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FHA | 1 | 0.2% | 100% | $185,000 | |
Cliffco, Inc.
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FHA | 1 | 0.2% | 100% | $215,000 | |
Primelending
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VA | 1 | 0.2% | 100% | $665,000 | |
MortgageOne, Inc
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VA | 1 | 0.2% | 100% | $265,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $115,000 | |
Norwich Commercial Group Inc
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FHA | 1 | 0.2% | 50% | $195,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.2% | 100% | $115,000 | |
Filo Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $125,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Bridgeway Lending Partners, LLC
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Conventional | 1 | 0.2% | 100% | $275,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.2% | 50% | $265,000 | |
Mortgage 1 Incorporated
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VA | 1 | 0.2% | 100% | $295,000 | |
Michigan Mutual, Inc
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FHA | 1 | 0.2% | 100% | $245,000 | |
Evergreen Bank Group
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Conventional | 1 | 0.2% | 100% | $35,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.2% | 25% | $105,000 | |
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A+5.0 ★Texas Ratio: 5.50% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $385,000 | |
Bay Equity LLC
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Conventional | 1 | 0.2% | 100% | $195,000 | |
My Mortgage, Inc
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FHA | 1 | 0.2% | 100% | $315,000 | |
Nfm, Inc
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FHA | 1 | 0.2% | 100% | $245,000 | |
Point Mortgage Corp
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FHA | 1 | 0.2% | 100% | $275,000 | |
Evergreen Moneysource Mortgage Company
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VA | 1 | 0.2% | 100% | $105,000 | |
Nations Lending Corporation
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FHA | 1 | 0.2% | 100% | $225,000 | |
Synovus Bank
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FHA | 1 | 0.2% | 100% | $375,000 | |
Milend, Inc
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VA | 1 | 0.2% | 100% | $235,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $385,000 | |
DFCU Financial
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Conventional | 1 | 0.2% | 100% | $105,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0.2% | 100% | $245,000 | View |
Zillow Home Loans, LLC
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FHA | 1 | 0.2% | 100% | $275,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
Atkins Savings Bank & Trust
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Conventional | 1 | 0.2% | 100% | $25,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
FHA | 1 | 0.2% | 50% | $155,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.2% | 100% | $255,000 | View |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.2% | 100% | $505,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 0.2% | 50% | $35,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 55.6% | $245,000 | |
Bank Ozk
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HELOC | 0 +4 HELOCs |
0% | 0% | ||
Coastal Community Bank
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
TruMark Financial Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Zephyrhills 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 Zephyrhills, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Zephyrhills? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Zephyrhills in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Zephyrhills, FL
Use these to narrow the list above. Each category shows how many Zephyrhills, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Zephyrhills, FL
Independent mortgage companies closed 82.3 percent of home loans in Zephyrhills, Florida in 2025, banks 11.3 percent and credit unions 6.4 percent. Triad Financial Services, Inc. was the largest mortgage company, Southstate Bank, National Association the largest bank and Suncoast Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 22 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 Zephyrhills, FL
By home loans closed in 2025, Southstate Bank, National Association was the largest mortgage lender in Zephyrhills, Florida with 22 loans, about 4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Zephyrhills, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 74.5 percent, against a 70.9 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.
64 lenders closed FHA loans in Zephyrhills, Florida in 2025, led by Trailblazer Mortgage L.L.C. with 35. 28 lenders closed VA loans, led by United Wholesale Mortgage, and 4 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.
Yes. 33 banks and 12 credit unions closed home loans in Zephyrhills, Florida in 2025, alongside 92 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 Zephyrhills, 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 Zephyrhills, 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 Zephyrhills. 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.
