Top mortgage lenders in Florida
These are the most active mortgage lenders in Florida by 2025 federal HMDA volume — the banks, credit unions and nonbank lenders that wrote the most home loans in the state. Volume isn't the same as the best deal for you, so use it as a shortlist, then compare quotes.
| # | Lender | Type | 2025 loans |
|---|---|---|---|
| 1 | United Wholesale Mortgage | Nonbank lender | 71,790 |
| 2 | Rocket Mortgage | Nonbank lender | 51,107 |
| 3 | PennyMac | Nonbank lender | 43,205 |
| 4 | Chase | Bank | 29,501 |
| 5 | Bank of America | Bank | 25,882 |
| 6 | Newrez | Nonbank lender | 24,074 |
| 7 | Lakeview Loan Servicing | Nonbank lender | 21,398 |
| 8 | Navy Federal Credit Union | Credit union | 19,529 |
| 9 | CrossCountry Mortgage | Nonbank lender | 19,271 |
| 10 | Freedom Mortgage | Nonbank lender | 18,431 |
| 11 | Amerihome Mortgage Company, LLC | — | 17,443 |
| 12 | Truist | Bank | 17,438 |
| 13 | DHI Mortgage | Nonbank lender | 16,697 |
| 14 | Lennar Mortgage | Nonbank lender | 15,013 |
| 15 | Regions Bank | Bank | 14,068 |
| 16 | Veterans United | Nonbank lender | 14,059 |
| 17 | loanDepot | Nonbank lender | 13,216 |
| 18 | Suncoast Credit Union | — | 12,829 |
| 19 | Coastal Community Bank | — | 12,416 |
| 20 | Space Coast Credit Union | — | 12,006 |
| 21 | 21st Mortgage Corporation | — | 11,603 |
| 22 | Spring Eq, LLC | — | 11,291 |
| 23 | Figure Lending LLC | — | 11,055 |
| 24 | New American Funding | Nonbank lender | 10,391 |
| 25 | PNC Bank | Bank | 9,709 |
Ranked by Florida home-loan applications reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA), FFIEC/CFPB. A neutral measure of lending activity — not a quality score. Names we review link to a full lender review.
How to choose a lender in Florida
The lender that writes the most loans isn't automatically the one that will quote you the lowest rate. Your rate depends on your credit, down payment and loan type — not a lender's market share. The reliable way to find the best deal is to get a Loan Estimate from three or more of these lenders in the same two-week window (it counts as a single credit inquiry) and compare the APRs.
Weigh national lenders and online brokers, which often lead on price, against Florida banks and credit unions, which may offer relationship pricing and access to Florida Housing programs. Start with the local benchmark and assistance below.
Florida lender FAQ
Who is the biggest mortgage lender in Florida?
By 2025 federal HMDA activity, United Wholesale Mortgage handled the most home loans in Florida (about 71,790 applications reported). The biggest lender isn't automatically the cheapest for you, though — rankings reflect volume, not the rate you'd be quoted.
How many mortgage lenders operate in Florida?
Hundreds of banks, credit unions and nonbank lenders report Florida home loans each year under HMDA. The table above shows the most active by volume; you can also shop national lenders and local credit unions not listed here.
How were these Florida lender rankings determined?
We ranked lenders by the number of Florida home-loan applications each reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA) — a neutral public measure of lending activity in the state. It is not a quality score or an endorsement.
Should I use a local or national lender in Florida?
Both can be competitive. National lenders and online brokers often lead on price and speed; local banks and credit unions may offer relationship pricing, Florida Housing down-payment programs and in-person service.
Get a Loan Estimate from at least one of each and compare the APR.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
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