Mortgage Lenders in Florida

Finding a mortgage lender in Florida starts with knowing what each type of lender brings. Banks may offer account relationships, credit unions serve their members, and independent mortgage companies focus only on home loans. All lenders use the same federal Loan Estimate form, which makes comparison easier. Pick your city below to learn how the lending process works and what to ask before you choose who will fund your loan.

Questions about mortgage lenders in Florida?

Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.

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Mortgage lenders, brokers and loan originators serving Florida are licensed by the Florida Office of Financial Regulation. You can confirm any company's or loan officer's license on NMLS Consumer Access before you apply.

Where mortgage lenders activity is highest in Florida

County	loans originated (2024 HMDA)
Miami-Dade County	29,321
Broward County	29,055
Hillsborough County	28,135
Palm Beach County	24,332
Orange County	22,134
Lee County	20,290
Polk County	19,450
Duval County	19,195
Pasco County	18,541
Pinellas County	17,191

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Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.

Takes a few minutes
Reviewed by a licensed loan officer
No obligation to proceed

Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Mortgage Lenders by city in Florida

Common questions

Does a bank, credit union or mortgage company offer different loans?

Program menus vary by lender rather than by category. Some banks focus on conventional loans, some credit unions keep certain loans in their own portfolio, and many mortgage companies offer FHA, VA, USDA and conventional options. Ask each lender which programs it offers and whether it can handle your situation before you apply.

How do I check whether a lender is licensed?

Use NMLS Consumer Access, a free public website run by the Nationwide Multistate Licensing System. Search by company name, individual name or NMLS ID. The results show which states the company or loan officer is licensed in and whether any regulatory actions have been taken. Your state banking or financial services regulator may also offer a license lookup.

What is the difference between a mortgage lender and a loan officer?

The lender is the company that approves and funds your loan. The loan officer is the licensed individual at that company who takes your application, explains programs and guides you through the process. Both should have their own NMLS ID. You can look up each one separately on NMLS Consumer Access to confirm they are licensed to do business in your state.

2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025