Home purchase lenders in Bay County
4,023 home purchase mortgages were made in Bay County, Florida, in 2025, by 426 lenders. The median rate their borrowers got was 6.490% on a median loan of $305,000. Of 5,031 decisions, 833 were denials — 16.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 532 | 4.750% | $325,000 | 14.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 291 | 6.249% | $295,000 | 12.1% |
| Rocket Mortgage, LLC | 173 | 6.625% | $265,000 | 18.0% |
| Trustmark National Bank | 150 | 6.375% | $255,000 | 5.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 148 | 6.750% | $275,000 | 5.7% |
| FBC MORTGAGE, LLC | 136 | 6.375% | $360,000 | 1.4% |
| Mortgage Research Center, LLC | 115 | 6.250% | $315,000 | 7.8% |
| Wells Fargo Bank, National Association | 89 | 6.125% | $365,000 | 8.3% |
| Centennial Bank | 88 | 6.500% | $280,000 | 24.6% |
| Tyndall Federal Credit Union | 79 | 6.250% | $245,000 | 11.2% |
| Navy Federal Credit Union | 74 | 6.125% | $315,000 | 11.9% |
| LENDSURE MORTGAGE CORP. | 74 | 7.500% | $260,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 69 | 6.375% | $215,000 | 9.5% |
| Regions Bank | 63 | 6.250% | $315,000 | 9.3% |
| Cadence Bank | 56 | 6.750% | $370,000 | 10.8% |
| 21st Mortgage Corporation | 50 | 8.880% | $165,000 | 70.8% |
| NEWREZ LLC | 47 | 6.875% | $335,000 | 18.6% |
| Northpointe Bank | 40 | 7.500% | $295,000 | 6.7% |
| Community Bank of Mississippi | 37 | 7.000% | $395,000 | 2.4% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 36 | 6.375% | $275,000 | 10.0% |
| VICTORY MORTGAGE, L.L.C. | 35 | 5.875% | $455,000 | 10.3% |
| GUARANTEED RATE AFFINITY, LLC | 34 | 6.563% | $250,000 | 19.1% |
| T2 FINANCIAL LLC | 34 | 6.313% | $250,000 | 15.6% |
| POINT MORTGAGE CORPORATION | 34 | 6.625% | $295,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 32 | 6.062% | $310,000 | 15.8% |
| Ameris Bank | 31 | 6.625% | $295,000 | 6.1% |
| Fairway Independent Mortgage Corporation | 31 | 6.625% | $325,000 | 11.4% |
| THE LOAN STORE, INC. | 30 | 6.688% | $315,000 | 10.5% |
| Capital City Home Loans, LLC | 30 | 6.688% | $335,000 | 3.2% |
| Broker Solutions, Inc. | 28 | 6.375% | $375,000 | 12.5% |
| GUARANTEED RATE, INC. | 27 | 6.550% | $245,000 | 3.2% |
| CMG MORTGAGE, INC. | 27 | 6.990% | $325,000 | 6.1% |
| INSPIRE HOME LOANS INC. | 25 | 4.875% | $295,000 | 11.8% |
| TOLL BROTHERS MORTGAGE COMPANY | 25 | 5.990% | $505,000 | 6.1% |
| TOWNE MORTGAGE COMPANY | 25 | 6.000% | $235,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 22 | 7.120% | $335,000 | 73.7% |
| USAA Federal Savings Bank | 21 | 6.375% | $335,000 | 25.0% |
| MOVEMENT MORTGAGE, LLC | 21 | 6.875% | $335,000 | 13.3% |
| Waterstone Mortgage Corporation | 20 | 6.188% | $350,000 | 4.8% |
| KIND LENDING, LLC | 19 | 6.625% | $275,000 | 40.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 19 | 6.750% | $245,000 | 0.0% |
| Panhandle Credit Union | 18 | Not published | $300,000 | 8.7% |
| First Federal Bank | 17 | 6.875% | $395,000 | 10.5% |
| NFM, INC. | 17 | 6.750% | $265,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 16 | 6.688% | $295,000 | 5.9% |
| SmartBank | 16 | 6.438% | $305,000 | 0.0% |
| ServisFirst Bank | 16 | 7.063% | $340,000 | 5.9% |
| Kiavi Funding, Inc. | 15 | 11.700% | $165,000 | 11.8% |
| U.S. Bank National Association | 15 | 6.375% | $375,000 | 11.1% |
| A&D Mortgage LLC | 15 | 6.990% | $225,000 | 6.3% |
| EVERETT FINANCIAL, INC. | 14 | 6.563% | $240,000 | 0.0% |
| Loandepot.Com, LLC | 14 | 7.058% | $275,000 | 12.5% |
| Equity Prime Mortgage LLC | 14 | 7.000% | $165,000 | 6.7% |
| AMERICAN HERITAGE LENDING, LLC | 14 | 7.688% | $210,000 | 0.0% |
| Renasant Bank | 14 | 7.375% | $375,000 | 11.8% |
| Bank of England | 13 | 6.625% | $225,000 | 13.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 7.000% | $285,000 | 7.1% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.990% | $185,000 | 27.8% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 13 | 7.499% | $245,000 | 7.1% |
| Plains Commerce Bank | 12 | 6.688% | $270,000 | 14.3% |
| CALCON MUTUAL MORTGAGE LLC | 12 | 6.688% | $265,000 | 7.7% |
| BankPlus | 12 | 6.438% | $315,000 | 20.0% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 8.780% | $125,000 | 47.6% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.250% | $325,000 | 21.4% |
| Click n' Close, Inc. | 11 | 7.500% | $255,000 | 15.4% |
| Truist Bank | 10 | 6.313% | $375,000 | 41.2% |
| MORIA DEVELOPMENT, INC. | 10 | 6.625% | $265,000 | 16.7% |
| JPMorgan Chase Bank, National Association | 10 | 6.875% | $330,000 | 16.7% |
| LENNAR MORTGAGE, LLC | 10 | 4.188% | $320,000 | 21.4% |
| OCMBC, INC. | 10 | 7.125% | $240,000 | 21.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.813% | $370,000 | 9.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| STG MORTGAGE INC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Armed Forces Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesSouth Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| GENWAY HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Primis Mortgage Company | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HANCOCK WHITNEY BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| River Bank & Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SouthPoint Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BankSouth | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 72.0% |
| CANOPY MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CONSUMER REAL ESTATE FINANCE CO. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Innovations Financial Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| SouthState Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMERCE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DAS Acquisition Company, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Pinnacle Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 3 | Under 10 loans | Under 10 loans | 58.3% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Generations Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Gulf Coast Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Arvest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Port City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 86.4% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EUSTIS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Red River Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Decatur County | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Coosa Valley Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TENNESSEE VALLEY FCU | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidSouth Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEESLER | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Troy Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Exchange Bank of Alabama | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 226 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.