Florida › HELOCs

HELOCs in Florida

By Kunal (KJ), former licensed mortgage loan originator · Sources: Florida OFR license file, FDIC, NCUA, firm websites, HMDA

435 firms with a Florida office list HELOCs on their own sites: 57 mortgage lenders, 205 mortgage brokers, 80 banks, 93 credit unions. Pick a city for the local list, or scan the firms with the most complete public data below.

By city

• Miami52 firms
• Tampa49 firms
• Orlando45 firms
• Boca Raton39 firms
• Jacksonville29 firms
• Fort Lauderdale25 firms
• Sarasota25 firms
• Coral Gables24 firms
• Naples22 firms

24 of the 435 firms

Firms appear here as their city goes live.

• ACCredit union

  Achieva Credit Union

  Cape Coral +14 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Construction loans
  • First time home buyer loans and programs
  • +9 more
  1,310 FL loans in 2025See this credit union
• Mortgage lender

  Acre Mortgage & Financial, INC.

  Tampa NMLS 2450241

  • Cash out refinance
  • Construction loans
  • Conventional mortgages
  • Down payment assistance programs
  • +14 more
  96 FL loans in 2025See this lender
• Credit union

  American Airlines Federal Credit Union

  Miami

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Construction loans
  • +12 more
  282 FL loans in 2025See this credit union
• Mortgage lender

  American Liberty Mortgage, Incorporated

  Lakeland +2 more NMLS 1424318

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Construction loans
  • +14 more
  76 FL loans in 2025See this lender
• Bank

  BayFirst National Bank

  Belleair Bluffs +7 more

  • Conventional mortgages
  • FHA loans
  • First time home buyer loans and programs
  • HELOCs
  • +6 more
  463 FL loans in 2025See this bank
• Bank

  Climate First Bank

  Eustis +3 more

  • Asset depletion loans
  • Business acquisition loans
  • Commercial real estate loans
  • Construction loans
  • +8 more
  136 FL loans in 2025See this bank
• Credit union

  Coastline

  Jacksonville

  • Cash out refinance
  • Construction loans
  • Conventional mortgages
  • First time home buyer loans and programs
  • +9 more
  81 FL loans in 2025See this credit union
• CFCredit union

  Community First Credit Union Of Flo

  Jacksonville

  • 10 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Commercial real estate loans
  • +9 more
  1,135 FL loans in 2025See this credit union
• Credit union

  Dade County

  Cutler Bay +7 more

  • Cash out refinance
  • FHA loans
  • HELOCs
  • Home equity loans
  • +5 more
  296 FL loans in 2025See this credit union
• Credit union

  DFCU Financial

  Brandon +2 more

  • Adjustable rate mortgages (ARM)
  • Construction loans
  • HELOCs
  • Home equity loans
  • +4 more
  295 FL loans in 2025See this credit union
• ECredit union

  Educational

  Miami

  • First time home buyer loans and programs
  • HELOCs
  • Home equity loans
  • Jumbo loans
  • +2 more
  318 FL loans in 2025See this credit union
• Credit union

  First Florida

  Doral +7 more

  • First time home buyer loans and programs
  • HELOCs
  • Land loans
  • Net lease financing
  • +1 more
  116 FL loans in 2025See this credit union
• Credit union

  Florida

  Belleview +7 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Blanket and portfolio loans
  • Cash out refinance
  • +18 more
  840 FL loans in 2025See this credit union
• Credit union

  Floridacentral

  Bradenton +9 more

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • First time home buyer loans and programs
  • HELOCs
  • +3 more
  174 FL loans in 2025See this credit union
• Credit union

  Grow Financial

  Bradenton +12 more

  • Commercial real estate loans
  • HELOCs
  • Home equity loans
  • Investment property and rental loans
  • +2 more
  360 FL loans in 2025See this credit union
• GMMortgage lender

  Guild Mortgage Company LLC

  Boca Raton +22 more NMLS 1771956

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • +18 more
  2,790 FL loans in 2025See this lender
• IFCredit union

  Ithink Financial

  Boca Raton

  • Commercial real estate loans
  • HELOCs
  • Refinance
  375 FL loans in 2025See this credit union
• Bank

  Liberty Savings Bank, F.S.B.

  Bradenton +3 more

  • Adjustable rate mortgages (ARM)
  • HELOCs
  • Jumbo loans
  • Refinance
  • +1 more
  29 FL loans in 2025See this bank
• Bank

  Manufacturers and Traders Trust Company

  Naples +2 more

  • Assumable mortgages
  • Cash out refinance
  • FHA loans
  • HELOCs
  • +7 more
  342 FL loans in 2025See this bank
• Mortgage broker

  Mortgagehotline.Net LLC

  Orlando NMLS 2306288

  • Asset depletion loans
  • Bank statement loans
  • Conventional mortgages
  • DSCR loans
  • +15 more
  20 FL loans in 2025See this broker
• MMMortgage lender

  Movement Mortgage, LLC

  Bonita Springs +24 more NMLS 1166394

  • Cash out refinance
  • Condo mortgages
  • Conventional mortgages
  • DSCR loans
  • +12 more
  4,122 FL loans in 2025See this lender
• NFCredit union

  Navy Federal Credit Union

  Altamonte Springs +24 more

  • HELOCs
  • Home equity loans
  • Refinance
  • Restaurant financing
  • +2 more
  8,416 FL loans in 2025See this credit union
• Mortgage lender

  Newrez LLC

  Bonita Springs +5 more NMLS 1428691

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • Crypto backed mortgages
  • +12 more
  5,643 FL loans in 2025See this lender
• Credit union

  Orlando

  Orlando

  • 15 year fixed mortgages
  • Cash out refinance
  • Conventional mortgages
  • FHA loans
  • +8 more
  15 FL loans in 2025See this credit union

• All of FloridaEvery city and loan type

Questions people ask

How many Florida lenders offer HELOCs?

435 firms with a Florida office list HELOCs on their own websites as of October 15, 2026: 57 mortgage lenders, 205 mortgage brokers, 80 banks, 93 credit unions. Out-of-state companies licensed in Florida without a local office are not counted here.