Home loans in Florida
569mortgage lenders2,430mortgage brokers194banks195credit unions
3,388 firms approved to make or arrange home loans have a Florida office, in 483 cities. Another 3,698 companies are licensed in Florida without a local office and will appear on the national lender pages. Inactive licensees are never listed.
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Cities
A city gets a page at 3 or more firms; loan type pages appear once 5 firms list the same loan. Smaller towns are on their county page.
- Miami(487 firms)
- Orlando(291 firms)
- Tampa(274 firms)
- Jacksonville(159 firms)
- Boca Raton(157 firms)
- Fort Lauderdale(138 firms)
- Sarasota(124 firms)
- Coral Gables(115 firms)
- Naples(113 firms)
Coming next: Fort Myers, St Petersburg, West Palm Beach, Doral, Cape Coral, Coral Springs, Clearwater, Hollywood, Delray Beach, Kissimmee, Pembroke Pines, Pensacola and 269 more.
Loan types across Florida
- Conventional mortgages(568 firms)
- FHA loans(761 firms)
- VA loans(624 firms)
- USDA loans(530 firms)
- Jumbo loans(633 firms)
- First time home buyer loans and programs(863 firms)
- Renovation loans(222 firms)
- Construction loans(305 firms)
- Manufactured home loans(199 firms)
- Condo mortgages(71 firms)
- Rate buydown mortgages(82 firms)
- Physician mortgages(36 firms)
- Adjustable rate mortgages (ARM)(518 firms)
- Second home mortgages(409 firms)
- Refinance(962 firms)
- Cash out refinance(536 firms)
- FHA streamline refinance(99 firms)
- VA IRRRL refinance(105 firms)
- HELOCs(435 firms)
- Home equity loans(256 firms)
- Reverse mortgages(339 firms)
- Florida Housing and Hometown Heroes loans(228 firms)
- Down payment assistance programs(234 firms)
- Mortgage credit certificates(6 firms)
- Bank statement loans(198 firms)
- 1099 income loans(50 firms)
- P&L only loans(46 firms)
- WVOE only loans(11 firms)
- Asset depletion loans(127 firms)
- No doc loans(77 firms)
- One year tax return loans(7 firms)
- Crypto backed mortgages(5 firms)
- Non QM loans(274 firms)
- ITIN mortgages(86 firms)
- Foreign national mortgages(225 firms)
- DACA and visa holder mortgages(29 firms)
- Mortgages after bankruptcy or foreclosure(123 firms)
- Interest only mortgages(286 firms)
- 40 year mortgages(7 firms)
- 15 year fixed mortgages(184 firms)
- 10 year fixed mortgages(56 firms)
- Assumable mortgages(77 firms)
- Non warrantable condo loans(58 firms)
- Condotel loans(31 firms)
- Unique property mortgages(52 firms)
- Land loans(72 firms)
- Bridge loans(149 firms)
- DSCR loans(290 firms)
- Short term rental DSCR loans(65 firms)
- Fix and flip loans(147 firms)
- Hard money and private money loans(201 firms)
- Spec construction loans(34 firms)
- Blanket and portfolio loans(45 firms)
- LLC cash out refinance(20 firms)
- Investment property and rental loans(635 firms)
- Commercial real estate loans(348 firms)
- Hotel financing(57 firms)
- Industrial property financing(32 firms)
- Business acquisition loans(59 firms)
- Retail property financing(68 firms)
- Net lease financing(28 firms)
- SBA loans(146 firms)
- Small business loans(229 firms)
- USDA business loans(6 firms)
- Equipment financing(98 firms)
- Microloans(7 firms)
- Solar financing(6 firms)
- Farm loans(17 firms)
- Office building financing(55 firms)
- Mixed use property financing(69 firms)
- Restaurant financing(28 firms)
Florida counties
| County | 2025 originations | Denial rate | FHA share | 2026 conforming limit | 2026 FHA limit |
|---|---|---|---|---|---|
| Miami-Dade | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Broward | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Hillsborough | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Palm Beach | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Orange | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Lee | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Duval | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Polk | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Pinellas | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Pasco | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Brevard | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Volusia | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Marion | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Manatee | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Sarasota | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Lake | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Osceola | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| St. Johns | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| St. Lucie | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Seminole | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Collier | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Charlotte | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Escambia | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Hernando | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Santa Rosa | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Clay | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Bay | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Sumter | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Okaloosa | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Citrus | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Leon | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Flagler | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Alachua | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Indian River | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Walton | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Martin | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Nassau | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Highlands | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Monroe | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Putnam | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Columbia | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Wakulla | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Levy | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Hendry | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Suwannee | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Okeechobee | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Jackson | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Baker | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Bradford | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Gadsden | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Gulf | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Washington | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Desoto | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Gilchrist | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Franklin | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Hardee | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Jefferson | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Taylor | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Holmes | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Madison | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Dixie | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Glades | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Calhoun | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Union | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Hamilton | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Liberty | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
| Lafayette | {H.get("orig", 0):,} | {pct(H.get("denied", 0), H.get("apps", 0))} | {pct(H.get("lt_fha", 0), H.get("orig", 0))} | {money(LIMITS[f]["u1"])} | {money(F.get("fha_u1")) if F else ""} |
As of October 15, 2026Sources: FFIEC HMDA 2025, FHFA 2026 conforming limits, HUD 2026 FHA limits.
Questions people ask
How many mortgage lenders and brokers are licensed in Florida?
The Florida Office of Financial Regulation file lists 3,388 approved mortgage lenders and brokers with a Florida office plus FDIC banks and NCUA credit unions counted here, and about 3,698 more companies licensed in Florida from other states. LendResearch lists only approved and insured firms, never inactive licenses or individual loan officers.
Is a bank, a credit union, a mortgage lender or a broker better for a home loan?
None is better by definition. A bank or credit union lends its own deposits, a mortgage lender funds loans through credit lines and sells them, and a broker shops your file to several lenders. Compare rates and fees from at least two kinds. Each firm card says which kind it is.