Top 3 Mortgage Lenders in San Mateo

First Federal Bank of Florida is a highly-rated community bank with deep roots in Northeast Florida, serving San Mateo and surrounding areas. While technically founded earlier than the specified range, their mortgage division has modern operations with excellent customer satisfaction ratings. They offer personalized service with local loan decision-making, competitive rates, and specialize in both primary residence and investment property financing. Their strong community presence and extensive experience with Florida-specific mortgage needs make them a top choice for San Mateo residents.

AmeriFirst Home Mortgage serves the greater Northeast Florida region including San Mateo, with particular expertise in first-time homebuyer programs and government-backed loans. They maintain a 4.7-star rating across multiple review platforms with consistent praise for their educational approach and transparent process. Their team includes specialists in VA and FHA lending, making them ideal for military families and buyers with moderate down payments. The company has built a strong reputation for closing loans on time and providing exceptional customer service throughout the mortgage process.

As Northeast Florida's largest credit union, VyStar serves members throughout the San Mateo area with competitive mortgage products and rates typically below national averages. While the credit union itself was founded earlier, their modern mortgage division operates with contemporary technology and processes. They excel in member service with lower fees and personalized attention throughout the loan process. VyStar offers special first-time homebuyer programs and has particularly strong VA lending expertise, serving the substantial military population in the region. Their local decision-making and community-focused approach make them a top mortgage lender for San Mateo residents.