Mortgage Lenders and Brokers in Zephyrhills South, 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 South, Florida mortgage lenders include Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, Triad Financial Services, Inc.Triad Financial Services, Inc.1209 Kingsway Rd, Brandon, FL 33510A+5.0 ★Texas Ratio: 5.93%, Trustco BankTrustco Bank909 West State Rd 434, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.14%, Suncoast Credit UnionSuncoast Credit Union1328 E Oak St, Arcadia, FL 34266A5.0 ★Texas Ratio: 6.26%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Third Federal Savings and LoanThird Federal Savings and Loan70 S Dixie Hwy, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.32%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Fifth Third Bank, National AssociationFifth Third Bank, National Association254 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.22%, and US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%. 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 South, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Zephyrhills South 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 South, Florida
Market share is the lender's share of all home loans closed in Zephyrhills South, 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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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo, HELOC | 15 +1 HELOCs |
1.5% | 83.3% | $817,000 | 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, HELOC | 8 +1 HELOCs |
0.8% | 88.9% | $106,250 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 6 | 0.6% | 68.8% | $56,666 | 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, HELOC | 4 +1 HELOCs |
0.4% | 80% | $462,500 | View |
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1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 3 +5 HELOCs |
0.3% | 75% | $251,666 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.2% | 100% | $330,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional, Jumbo | 2 | 0.2% | 100% | $525,000 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 2 | 0.2% | 100% | $935,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $345,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
VA | 1 | 0.1% | 100% | $405,000 | 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, Jumbo | 1 | 0.1% | 100% | $1,045,000 | View |
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38149 Sprocket Way, Dade City, FL 33525 A+5.0 ★Texas Ratio: 1.09% |
Conventional | 1 | 0.1% | 33.3% | $55,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.1% | 100% | $635,000 | View |
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101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.1% | 100% | $965,000 | View |
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7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
FHA | 1 | 0.1% | 33.3% | $265,000 | View |
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22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.1% | 100% | $325,000 | 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% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Lennar Mortgage, LLC
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Conventional, FHA, VA, USDA | 115 | 11.4% | 77.2% | $327,173 | |
Taylor Morrison Home Funding, Inc.
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Conventional | 12 | 1.2% | 100% | $519,166 | |
Park Square Home Mortgage, LLC
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Conventional, VA | 7 | 0.7% | 87.5% | $515,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 2 | 0.2% | 75% | $285,000 | |
American Bancshares Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $275,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.1% | 50% | $285,000 | |
Acrisure Mortgage, LLC
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FHA | 1 | 0.1% | 50% | $345,000 | |
New Day Financial, LLC.
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VA | 1 | 0.1% | 100% | $215,000 | |
The Mortgage Firm
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FHA | 1 | 0.1% | 100% | $215,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 154 | 15.3% | 90.1% | $363,181 | |
Pulte Mortgage LLC
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Conventional, FHA, VA, Jumbo | 111 | 11% | 76.7% | $470,135 | |
Kbhs Home Loans, LLC
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Conventional, FHA, VA | 80 | 7.9% | 88.9% | $306,750 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 68 +1 HELOCs |
6.8% | 90.7% | $408,235 | |
M/I Financial. LLC
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Conventional, FHA, VA | 68 | 6.8% | 95.2% | $398,823 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 59 | 5.9% | 92.4% | $287,881 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, Jumbo | 44 | 4.4% | 96.3% | $494,545 | View |
loanDepot.com LLC
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Conventional, FHA, VA | 42 | 4.2% | 86.5% | $346,190 | |
Cardinal Financial Company, Li
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Conventional, FHA, VA | 23 | 2.3% | 86.7% | $328,913 | |
Rocket Mortgage
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Conventional, FHA | 22 | 2.2% | 75.8% | $248,181 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 14 | 1.4% | 93.8% | $431,428 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 12 | 1.2% | 100% | $375,833 | |
Mortgage Research Center
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Conventional, FHA, VA | 10 | 1% | 78.6% | $239,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 10 | 1% | 83.3% | $211,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 6 | 0.6% | 75% | $320,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA | 4 | 0.4% | 57.1% | $237,500 | View |
Equity Prime Mortgage LLC
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Conventional, FHA, VA | 4 | 0.4% | 100% | $227,500 | |
Kind Lending, LLC
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Conventional, VA | 4 | 0.4% | 80% | $377,500 | |
21St Mortgage
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Conventional | 4 | 0.4% | 41.7% | $72,500 | |
Guidance Residential, LLC
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Conventional | 3 | 0.3% | 100% | $348,333 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.3% | 75% | $478,333 | |
Southwest Stage Funding LLC
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Conventional, FHA | 3 | 0.3% | 100% | $178,333 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 3 | 0.3% | 75% | $395,000 | |
JMAC Lending, Inc.
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Conventional, FHA | 3 | 0.3% | 100% | $331,666 | |
The Loan Store, Inc
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Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $460,000 | |
Loanunited.Com, LLC
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VA | 2 | 0.2% | 100% | $480,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.2% | 100% | $75,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional, FHA | 2 | 0.2% | 100% | $270,000 | View |
NJ Lenders Corp
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Conventional, FHA, Jumbo | 2 | 0.2% | 100% | $630,000 | |
Sun West Mortgage Company, Inc
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Conventional, FHA | 2 | 0.2% | 100% | $85,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.2% | 100% | $155,000 | |
Nfm, Inc
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FHA | 2 | 0.2% | 100% | $350,000 | |
Point Mortgage Corp
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Conventional, FHA | 2 | 0.2% | 100% | $165,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.2% | 100% | $325,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 0.2% | 100% | $185,000 | View |
Village Capital & Investment
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Conventional, FHA | 2 | 0.2% | 66.7% | $240,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 2 | 0.2% | 100% | $360,000 | |
Lake Michigan Credit Union
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.1% | 100% | $1,045,000 | |
Genisys Credit Union
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Conventional | 1 | 0.1% | 100% | $755,000 | |
Equity Resources Inc
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Conventional | 1 | 0.1% | 100% | $145,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.1% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.1% | 100% | $165,000 | View |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 0.1% | 100% | $145,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.1% | 50% | $805,000 | |
Resicentral LLC
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Conventional | 1 | 0.1% | 100% | $285,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.1% | 33.3% | $135,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.1% | 100% | $245,000 | |
HomeBridge Financial Services, Inc
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USDA | 1 | 0.1% | 100% | $205,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.1% | 40% | $35,000 | |
Union Home Mortgage Corp.
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Conventional, Jumbo | 1 | 0.1% | 100% | $805,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA, Jumbo | 1 | 0.1% | 50% | $955,000 | View |
T2 Financial LLC
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FHA | 1 | 0.1% | 100% | $185,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Lendsure Mortgage Corp.
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,105,000 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 1 | 0.1% | 100% | $935,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.1% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $325,000 | View |
Member First Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $265,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Ardri LLC
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Park Lane Finance SolutionsLLC
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Conventional | 1 | 0.1% | 50% | $35,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $335,000 | |
Mld Mortgage, Inc.Dba the Money Store
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FHA | 1 | 0.1% | 100% | $415,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.1% | 33.3% | $525,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.1% | 100% | $715,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.1% | 100% | $65,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.1% | 50% | $45,000 | |
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A5.0 ★Texas Ratio: 12.75% |
Conventional | 1 | 0.1% | 100% | $25,000 | View |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 50% | $725,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 0.1% | 50% | $135,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Zephyrhills South 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 South, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Zephyrhills South? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Zephyrhills South in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Zephyrhills South, FL
Use these to narrow the list above. Each category shows how many Zephyrhills South, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Zephyrhills South, FL
Independent mortgage companies closed 94.3 percent of home loans in Zephyrhills South, Florida in 2025, banks 4.6 percent and credit unions 1.1 percent. Triad Financial Services, Inc. was the largest mortgage company, Regions Bank the largest bank and Suncoast Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association 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 Zephyrhills South, FL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Zephyrhills South, Florida with 15 loans, about 1.5 percent of the market. The largest lender headquartered in Florida was Southstate Bank, National Association with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Zephyrhills South, Florida, M/I Financial. LLC approved the highest share of completed applications in 2025 at 95.2 percent, against a 84.7 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.
41 lenders closed FHA loans in Zephyrhills South, Florida in 2025, led by DHI Mortgage Company, LTD. with 92. 25 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 2 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. 19 banks and 9 credit unions closed home loans in Zephyrhills South, Florida in 2025, alongside 73 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 South, 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 South, 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 South. 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.
