Home purchase lenders in Clay County
3,517 home purchase mortgages were made in Clay County, Florida, in 2025, by 296 lenders. The median rate their borrowers got was 6.125% on a median loan of $305,000. Of 4,157 decisions, 528 were denials — 12.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 417 | 6.379% | $305,000 | 5.4% |
| LENNAR MORTGAGE, LLC | 254 | 4.500% | $305,000 | 12.4% |
| JET HOMELOANS, LP | 217 | 4.990% | $395,000 | 3.9% |
| DHI MORTGAGE COMPANY, LTD. | 171 | 3.990% | $265,000 | 18.6% |
| GUILD MORTGAGE COMPANY | 121 | 6.375% | $265,000 | 5.7% |
| Navy Federal Credit Union | 114 | 6.125% | $325,000 | 7.3% |
| Rocket Mortgage, LLC | 107 | 6.375% | $285,000 | 11.5% |
| Mortgage Research Center, LLC | 104 | 6.250% | $325,000 | 7.1% |
| PULTE MORTGAGE LLC | 87 | 5.125% | $405,000 | 14.6% |
| Loandepot.Com, LLC | 79 | 5.500% | $325,000 | 36.8% |
| CMG MORTGAGE, INC. | 67 | 6.625% | $245,000 | 5.0% |
| VYSTAR CREDIT UNION | 59 | 6.250% | $275,000 | 12.3% |
| MOVEMENT MORTGAGE, LLC | 57 | 6.125% | $285,000 | 3.1% |
| LOANPEOPLE, LLC | 57 | 6.375% | $305,000 | 0.0% |
| MATTAMY HOME FUNDING, LLC | 56 | 5.125% | $350,000 | 15.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 52 | 6.600% | $285,000 | 5.4% |
| First Federal Bank | 52 | 6.188% | $285,000 | 7.1% |
| NETWORK FUNDING, L.P. | 47 | 6.500% | $285,000 | 4.0% |
| Fairway Independent Mortgage Corporation | 42 | 6.625% | $235,000 | 6.5% |
| PENNYMAC LOAN SERVICES, LLC | 42 | 6.375% | $305,000 | 15.7% |
| Ameris Bank | 38 | 6.433% | $305,000 | 2.5% |
| KIND LENDING, LLC | 36 | 6.750% | $290,000 | 23.4% |
| FREEDOM MORTGAGE CORPORATION | 36 | 6.250% | $380,000 | 16.3% |
| EMM LOANS LLC | 34 | 6.500% | $315,000 | 2.8% |
| EVERETT FINANCIAL, INC. | 33 | 6.625% | $245,000 | 5.7% |
| GUARANTEED RATE, INC. | 32 | 6.500% | $340,000 | 8.6% |
| PLAZA HOME MORTGAGE, INC. | 31 | 6.490% | $295,000 | 24.4% |
| Gateway First Bank | 30 | 6.500% | $255,000 | 3.2% |
| KBHS HOME LOANS, LLC | 30 | 5.990% | $310,000 | 3.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 29 | 6.500% | $235,000 | 13.5% |
| PLANET HOME LENDING, LLC | 29 | 6.500% | $265,000 | 9.4% |
| ZILLOW HOME LOANS, LLC | 28 | 6.500% | $340,000 | 6.7% |
| FBC MORTGAGE, LLC | 27 | 4.990% | $325,000 | 10.0% |
| Broker Solutions, Inc. | 26 | 6.500% | $295,000 | 13.3% |
| NEWREZ LLC | 26 | 6.250% | $375,000 | 7.1% |
| 21st Mortgage Corporation | 24 | 9.015% | $170,000 | 70.0% |
| Paramount Residential Mortgage Group, Inc. | 24 | 6.375% | $340,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 23 | 6.375% | $345,000 | 6.9% |
| Prosperity Home Mortgage, LLC | 22 | 6.250% | $345,000 | 4.4% |
| UNION HOME MORTGAGE CORP. | 21 | 6.500% | $325,000 | 12.5% |
| HOMEAMERICAN MORTGAGE CORPORATION | 21 | 4.500% | $415,000 | 12.0% |
| Plains Commerce Bank | 20 | 6.125% | $220,000 | 0.0% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 20 | 6.188% | $265,000 | 4.8% |
| Kiavi Funding, Inc. | 19 | 10.950% | $225,000 | 13.6% |
| Wells Fargo Bank, National Association | 16 | 5.875% | $290,000 | 11.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 15 | 6.000% | $335,000 | 11.8% |
| HANCOCK WHITNEY BANK | 15 | 6.125% | $315,000 | 6.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 15 | 6.500% | $305,000 | 0.0% |
| Equity Prime Mortgage LLC | 14 | 6.625% | $290,000 | 33.3% |
| SWBC MORTGAGE CORPORATION | 14 | 6.125% | $255,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 14 | 6.870% | $230,000 | 6.7% |
| JPMorgan Chase Bank, National Association | 14 | 6.433% | $270,000 | 11.8% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 13 | 6.625% | $195,000 | 7.1% |
| TOWNE MORTGAGE COMPANY | 13 | 6.125% | $225,000 | 17.7% |
| RadiFi Credit Union | 13 | 6.375% | $245,000 | 7.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | 6.688% | $320,000 | 20.0% |
| THE LOAN STORE, INC. | 12 | 6.625% | $310,000 | 14.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12 | 6.870% | $310,000 | 0.0% |
| JMAC LENDING, INC. | 12 | 6.563% | $335,000 | 0.0% |
| Flagstar Bank, N.A. | 11 | 6.125% | $325,000 | 15.4% |
| Bank of America, National Association | 10 | 6.188% | $295,000 | 31.3% |
| A&D Mortgage LLC | 10 | 6.688% | $190,000 | 0.0% |
| Click n' Close, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 46.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VAN DYK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| CALCON MUTUAL MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Alcova Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HARTFORD FUNDING, LTD. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SPACE COAST CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| KEYSTONE FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Presidential Bank, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 75.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 37.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RMC HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Summit Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST EQUITY MORTGAGE INCORPORATED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 212 LOANS, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COASTLINE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| HomePromise Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Mortgage Lenders Investment Trading Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MIDFLORIDA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| City National Bank of Florida | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 2549005Z23HAAZ6QDM98 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Seacoast National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LAKE MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OnPath Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SHELTER HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | 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 96 lenders each made 1 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.