Mortgage Lenders and Brokers in Zephyrhills West, 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 West, Florida mortgage lenders include Suncoast Credit UnionSuncoast Credit Union1328 E Oak St, Arcadia, FL 34266A5.0 ★Texas Ratio: 6.26%, Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, Citizens Bank, NACitizens Bank, NA2222 Ponce De Leon Blvd, Coral Gables, FL 33134A+5.0 ★Texas Ratio: 5.44%, Usf Credit UnionUsf Credit Union16032 Preserve Marketplace Blvd, Odessa, FL 33556A+5.0 ★Texas Ratio: 5.76%, PNC Bank N.A.PNC Bank N.A.900 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.24%, Lakeview Loan Servicing, LLCLakeview Loan Servicing, LLCCoral Gables, FL, Acrisure Mortgage, LLCAcrisure Mortgage, LLCOrlando, FL, A&D Mortgage LLCA&D Mortgage LLCFt. Lauderdale, FLA+5.0 ★Texas Ratio: 4.11%, The Mortgage FirmThe Mortgage FirmAltamonte Springs, FL, and DHI Mortgage Company, LTD.. 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 West, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Zephyrhills West 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 West, Florida
Market share is the lender's share of all home loans closed in Zephyrhills West, 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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1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
Conventional | 2 | 1.5% | 100% | $115,000 | 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 | 2 | 1.5% | 100% | $210,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.7% | 100% | $425,000 | View |
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16032 Preserve Marketplace Blvd, Odessa, FL 33556 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 1 | 0.7% | 100% | $945,000 | View |
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★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lakeview Loan Servicing, LLC
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FHA | 2 | 1.5% | 37.5% | $315,000 | |
Acrisure Mortgage, LLC
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Conventional, FHA | 2 | 1.5% | 100% | $290,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.7% | 100% | $215,000 | View |
The Mortgage Firm
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Conventional | 1 | 0.7% | 100% | $185,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 68 | 50.4% | 86.1% | $325,147 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 22 | 16.3% | 92.3% | $194,090 | |
Rocket Mortgage
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Conventional, FHA, VA | 6 | 4.4% | 85.7% | $186,666 | |
Mortgage Research Center
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VA | 5 | 3.7% | 83.3% | $323,000 | |
Pennymac Loan Services LLC
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FHA | 3 | 2.2% | 66.7% | $291,666 | |
First Option Mortgage, LLC
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Conventional, FHA | 2 | 1.5% | 100% | $200,000 | |
21St Mortgage
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Conventional | 2 | 1.5% | 66.7% | $155,000 | |
Everett Financial, Inc.
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VA | 1 | 0.7% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 1 | 0.7% | 33.3% | $195,000 | View |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $325,000 | |
loanDepot.com LLC
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FHA | 1 | 0.7% | 100% | $185,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.7% | 100% | $205,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.7% | 100% | $255,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.7% | 100% | $145,000 | |
New American Funding, LLC.
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FHA | 1 | 0.7% | 50% | $165,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.7% | 100% | $275,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
Fairway Independent Mort Corp
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FHA | 1 | 0.7% | 100% | $365,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.7% | 100% | $75,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.7% | 100% | $155,000 | |
Village Capital & Investment
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FHA | 1 | 0.7% | 100% | $215,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.7% | 100% | $375,000 |
Zephyrhills West 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 West, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Zephyrhills West? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Zephyrhills West in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Zephyrhills West, FL
Use these to narrow the list above. Each category shows how many Zephyrhills West, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Zephyrhills West, FL
Independent mortgage companies closed 94.8 percent of home loans in Zephyrhills West, Florida in 2025, banks 3 percent and credit unions 2.2 percent. Lakeview Loan Servicing, LLC 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, Suncoast Credit Union led with 2 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 West, FL
By home loans closed in 2025, Suncoast Credit Union was the largest mortgage lender in Zephyrhills West, Florida with 2 loans, about 1.5 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 West, Florida, DHI Mortgage Company, LTD. approved the highest share of completed applications in 2025 at 86.1 percent, against a 84.2 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.
14 lenders closed FHA loans in Zephyrhills West, Florida in 2025, led by DHI Mortgage Company, LTD. with 39. 5 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 1 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. 4 banks and 2 credit unions closed home loans in Zephyrhills West, Florida in 2025, alongside 25 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 West, 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 West, 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 West. 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.
