Mortgage lenders in Citrus County
5,177 mortgages were made in Citrus County, Florida, in 2025, by 450 lenders. The median rate their borrowers got was 6.625% on a median loan of $205,000. Of 7,326 decisions, 1,789 were denials — 24.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 454 | 6.375% | $235,000 | 14.8% |
| Rocket Mortgage, LLC | 384 | 6.625% | $185,000 | 22.1% |
| Suncoast Credit Union | 379 | 7.000% | $75,000 | 21.0% |
| Brannen Bank | 193 | Not published | $255,000 | 8.0% |
| Mortgage Research Center, LLC | 142 | 6.250% | $255,000 | 25.7% |
| Regions Bank | 140 | 6.125% | $105,000 | 40.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 122 | 6.538% | $225,000 | 1.5% |
| Truist Bank | 114 | 6.995% | $105,000 | 38.2% |
| EVERETT FINANCIAL, INC. | 114 | 6.750% | $205,000 | 8.1% |
| Fairway Independent Mortgage Corporation | 113 | 6.750% | $215,000 | 8.7% |
| PENNYMAC LOAN SERVICES, LLC | 90 | 6.495% | $245,000 | 20.3% |
| RMC HOME MORTGAGE, LLC | 88 | 6.495% | $255,000 | 2.2% |
| Navy Federal Credit Union | 72 | 6.625% | $230,000 | 17.8% |
| Bank of America, National Association | 71 | 6.490% | $105,000 | 51.9% |
| FREEDOM MORTGAGE CORPORATION | 66 | 6.250% | $250,000 | 17.1% |
| NEWREZ LLC | 63 | 6.500% | $255,000 | 23.3% |
| Broker Solutions, Inc. | 58 | 6.875% | $225,000 | 25.3% |
| 21st Mortgage Corporation | 57 | 8.820% | $165,000 | 61.7% |
| CMG MORTGAGE, INC. | 57 | 5.500% | $215,000 | 9.7% |
| INSPIRE HOME LOANS INC. | 49 | 4.875% | $245,000 | 12.1% |
| MOVEMENT MORTGAGE, LLC | 49 | 6.990% | $205,000 | 3.4% |
| UNION HOME MORTGAGE CORP. | 43 | 6.625% | $235,000 | 10.0% |
| MIDFLORIDA | 42 | 6.375% | $270,000 | 46.8% |
| COASTAL LOANS, LLC | 41 | 4.990% | $265,000 | 2.3% |
| Loandepot.Com, LLC | 38 | 6.990% | $125,000 | 43.3% |
| Equity Prime Mortgage LLC | 38 | 6.563% | $205,000 | 11.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 37 | 6.375% | $205,000 | 2.6% |
| THE MORTGAGE FIRM, INC. | 34 | 6.750% | $215,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 32 | 3.990% | $275,000 | 30.4% |
| GTE Federal Credit Union | 32 | 6.563% | $105,000 | 10.8% |
| AmeriSave Mortgage Corporation | 31 | 7.000% | $105,000 | 66.0% |
| NATIONSTAR MORTGAGE LLC | 31 | 6.990% | $155,000 | 19.1% |
| FIGURE LENDING LLC | 29 | 9.000% | $65,000 | 28.3% |
| Seacoast National Bank | 29 | 6.750% | $315,000 | 17.1% |
| THE LOAN STORE, INC. | 28 | 6.933% | $225,000 | 15.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 28 | 6.750% | $210,000 | 15.2% |
| AMERICAN HERITAGE LENDING, LLC | 27 | 7.500% | $185,000 | 10.0% |
| ZILLOW HOME LOANS, LLC | 27 | 6.625% | $225,000 | 12.5% |
| FBC MORTGAGE, LLC | 27 | 5.625% | $255,000 | 3.6% |
| SPRING EQ, LLC | 26 | 8.925% | $65,000 | 66.7% |
| TD Bank, National Association | 26 | 7.020% | $165,000 | 25.7% |
| JPMorgan Chase Bank, National Association | 25 | 6.490% | $155,000 | 21.2% |
| PNC Bank, National Association | 25 | 7.450% | $145,000 | 36.6% |
| METROPLEX MORTGAGE SERVICES, INC. | 25 | 6.500% | $255,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.495% | $145,000 | 32.4% |
| KIND LENDING, LLC | 24 | 6.375% | $215,000 | 28.6% |
| Capital City Bank | 23 | 6.990% | $165,000 | 29.7% |
| GUARANTEED RATE, INC. | 22 | 6.250% | $265,000 | 20.0% |
| PLANET HOME LENDING, LLC | 22 | 6.500% | $245,000 | 17.9% |
| Florida Credit Union | 21 | 6.250% | $65,000 | 72.2% |
| Wells Fargo Bank, National Association | 21 | 6.500% | $235,000 | 32.3% |
| NEW DAY FINANCIAL, LLC | 20 | 6.990% | $295,000 | 53.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 20 | 6.625% | $290,000 | 4.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 20 | 6.375% | $265,000 | 4.2% |
| FINANCE OF AMERICA REVERSE LLC | 20 | 6.438% | $185,000 | 13.0% |
| GUILD MORTGAGE COMPANY | 19 | 6.500% | $265,000 | 4.4% |
| Commerce Home Mortgage, Inc. | 19 | 7.875% | $235,000 | 0.0% |
| Alcova Mortgage LLC | 19 | 6.375% | $265,000 | 9.5% |
| MORTGAGE FINANCIAL GROUP, INC. | 19 | 6.500% | $265,000 | 0.0% |
| Coastal Community Bank | 18 | 9.990% | $35,000 | 1.8% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 18 | 8.158% | $150,000 | 25.0% |
| Capital City Home Loans, LLC | 18 | 7.063% | $265,000 | 5.3% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 6.490% | $245,000 | 52.5% |
| U.S. Bank National Association | 17 | 6.875% | $165,000 | 32.0% |
| FIRST COLONY MORTGAGE CORPORATION | 17 | 6.000% | $205,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 16 | 6.875% | $300,000 | 5.9% |
| Plains Commerce Bank | 16 | 6.375% | $195,000 | 11.1% |
| SouthState Bank, National Association | 16 | 7.200% | $140,000 | 26.1% |
| Hometown Equity Mortgage, LLC | 16 | 7.250% | $245,000 | 23.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 15 | 5.750% | $255,000 | 49.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 7.000% | $195,000 | 47.6% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 15 | 6.375% | $175,000 | 0.0% |
| CAMPUS USA CREDIT UNION | 15 | 6.625% | $155,000 | 16.7% |
| CHAMPIONS FUNDING, LLC | 15 | 7.625% | $195,000 | 16.7% |
| Third Federal Savings and Loan Association of Cleveland | 14 | 6.990% | $105,000 | 53.3% |
| Click n' Close, Inc. | 14 | 7.813% | $150,000 | 16.7% |
| A&D Mortgage LLC | 14 | 7.433% | $215,000 | 17.7% |
| VAN DYK MORTGAGE CORPORATION | 14 | 6.563% | $215,000 | 0.0% |
| USAA Federal Savings Bank | 13 | 6.125% | $255,000 | 35.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 13 | 7.000% | $215,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 13 | 7.000% | $185,000 | 23.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 13 | 6.750% | $215,000 | 23.5% |
| Cadence Bank | 12 | 7.000% | $110,000 | 45.8% |
| TOP FLITE FINANCIAL, INC. | 12 | 6.875% | $165,000 | 14.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 12 | 6.375% | $185,000 | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.500% | $245,000 | 15.4% |
| Flagstar Bank, N.A. | 11 | 6.375% | $265,000 | 38.9% |
| VISTA POINT MORTGAGE, LLC | 11 | 8.500% | $195,000 | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 11 | 6.625% | $215,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 11 | 7.000% | $175,000 | 0.0% |
| Nations Lending Corporation | 11 | 6.750% | $175,000 | 15.4% |
| Fifth Third Bank, National Association | 10 | 7.700% | $105,000 | 61.5% |
| Citadel Servicing Corporation | 10 | 7.250% | $220,000 | 12.5% |
| VYSTAR CREDIT UNION | 10 | 5.875% | $215,000 | 37.5% |
| Luminate Bank | 10 | 6.245% | $190,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 10 | 6.188% | $195,000 | 8.3% |
| Ameris Bank | 10 | 7.500% | $580,000 | 0.0% |
| NFM, INC. | 10 | 6.750% | $295,000 | 0.0% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 35.7% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 26.7% |
| JMAC LENDING, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Easy Street Capital, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 45.3% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 75.0% |
| Citizens First Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 8.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 7.1% |
| Waterstone Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Barrington Bank & Trust Company, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ACHIEVA CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Valon Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 38.7% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 46.2% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ABL RPC Residential Credit Acquisition LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| LIMA ONE CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| KEYSTONE FUNDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 80.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPACE COAST CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| EMBRACE HOME LOANS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 61.5% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 73.9% |
| Centennial Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Bell Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Heritage Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Southern Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| 254900O723MCLR701H50 | 3 | Under 10 loans | Under 10 loans | 62.5% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY CREDIT UNION of FLORIDA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 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 250 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Citrus County
32 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Brannen Bank | 9 | $707.8 million |
| Truist Bank | 6 | $764.7 million |
| Regions Bank | 4 | $340.0 million |
| Bank of America, National Association | 3 | $524.8 million |
| Capital City Bank | 3 | $100.6 million |
| Wells Fargo Bank, National Association | 2 | $209.0 million |
| The Huntington National Bank | 2 | $148.0 million |
| Seacoast National Bank | 2 | $68.0 million |
| PNC Bank, National Association | 1 | $50.6 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 301 S Us Highway 41, Inverness
- Cadence Bank, 3860 N Lecanto Hwy, Beverly Hills
- Citizens First Bank, 2623 N. Forest Ridge Blvd., Hernando
- TD Bank, National Association, 1000 Se Us Highway 19, Crystal River
Get told when this changes
When the next year’s lending figures are out for Citrus County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.