Mortgage lenders in Hernando County
6,982 mortgages were made in Hernando County, Florida, in 2025, by 464 lenders. The median rate their borrowers got was 6.500% on a median loan of $255,000. Of 9,849 decisions, 2,459 were denials — 25.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 870 | 6.250% | $285,000 | 14.8% |
| Rocket Mortgage, LLC | 499 | 6.625% | $205,000 | 22.7% |
| Suncoast Credit Union | 499 | 7.500% | $75,000 | 22.5% |
| EVERETT FINANCIAL, INC. | 202 | 6.625% | $240,000 | 6.4% |
| DHI MORTGAGE COMPANY, LTD. | 184 | 4.875% | $325,000 | 9.3% |
| Loandepot.Com, LLC | 174 | 5.490% | $285,000 | 40.3% |
| Click n' Close, Inc. | 157 | 7.250% | $275,000 | 6.4% |
| NEWREZ LLC | 120 | 6.625% | $295,000 | 27.0% |
| Regions Bank | 119 | 6.000% | $85,000 | 43.8% |
| PENNYMAC LOAN SERVICES, LLC | 119 | 6.375% | $255,000 | 21.5% |
| Truist Bank | 113 | 7.050% | $105,000 | 49.8% |
| Mortgage Research Center, LLC | 99 | 6.250% | $315,000 | 39.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 95 | 6.750% | $275,000 | 9.3% |
| Bank of America, National Association | 93 | 6.240% | $105,000 | 48.9% |
| MIDFLORIDA | 92 | 6.500% | $110,000 | 46.3% |
| CMG MORTGAGE, INC. | 91 | 6.375% | $315,000 | 2.0% |
| RMC HOME MORTGAGE, LLC | 91 | 6.500% | $325,000 | 3.2% |
| FREEDOM MORTGAGE CORPORATION | 89 | 6.250% | $295,000 | 15.2% |
| Navy Federal Credit Union | 80 | 7.250% | $140,000 | 38.5% |
| Fairway Independent Mortgage Corporation | 79 | 6.625% | $245,000 | 11.1% |
| UNION HOME MORTGAGE CORP. | 79 | 6.500% | $295,000 | 4.8% |
| M/I FINANCIAL, LLC | 74 | 5.188% | $380,000 | 1.2% |
| Brannen Bank | 74 | Not published | $325,000 | 8.5% |
| PULTE MORTGAGE LLC | 63 | 4.875% | $345,000 | 22.2% |
| Broker Solutions, Inc. | 57 | 6.625% | $275,000 | 13.4% |
| LENNAR MORTGAGE, LLC | 56 | 4.375% | $340,000 | 13.9% |
| NATIONSTAR MORTGAGE LLC | 54 | 7.620% | $130,000 | 26.0% |
| MOVEMENT MORTGAGE, LLC | 49 | 6.625% | $235,000 | 3.5% |
| Third Federal Savings and Loan Association of Cleveland | 48 | 6.715% | $60,000 | 52.3% |
| Paramount Residential Mortgage Group, Inc. | 48 | 6.500% | $290,000 | 9.4% |
| PNC Bank, National Association | 46 | 7.000% | $85,000 | 43.9% |
| Equity Prime Mortgage LLC | 43 | 6.500% | $245,000 | 15.7% |
| THE MORTGAGE FIRM, INC. | 42 | 6.625% | $285,000 | 4.2% |
| INSPIRE HOME LOANS INC. | 41 | 4.875% | $295,000 | 15.1% |
| JPMorgan Chase Bank, National Association | 40 | 6.625% | $235,000 | 27.3% |
| MY MORTGAGE, INC. | 40 | 6.625% | $305,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 39 | 6.875% | $275,000 | 18.8% |
| FIGURE LENDING LLC | 38 | 9.363% | $80,000 | 37.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 37 | 6.250% | $315,000 | 17.4% |
| NVR Mortgage Finance, Inc. | 37 | 6.125% | $265,000 | 19.6% |
| 21st Mortgage Corporation | 33 | 9.430% | $165,000 | 70.4% |
| THE LOAN STORE, INC. | 33 | 6.750% | $275,000 | 17.8% |
| GUARANTEED RATE, INC. | 32 | 5.983% | $320,000 | 20.0% |
| GTE Federal Credit Union | 31 | 6.500% | $145,000 | 26.7% |
| KIND LENDING, LLC | 31 | 6.500% | $295,000 | 34.0% |
| SPRING EQ, LLC | 30 | 9.700% | $85,000 | 67.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 30 | 5.990% | $345,000 | 21.7% |
| Capital City Home Loans, LLC | 30 | 7.438% | $310,000 | 23.1% |
| JMAC LENDING, INC. | 30 | 6.250% | $290,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 28 | 6.250% | $255,000 | 53.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 28 | 6.125% | $260,000 | 7.7% |
| LEADERONE FINANCIAL CORPORATION | 28 | 5.750% | $330,000 | 6.7% |
| EMBRACE HOME LOANS, INC. | 28 | 5.490% | $315,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 27 | 6.375% | $275,000 | 3.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 27 | 9.725% | $185,000 | 20.6% |
| AMERITRUST MORTGAGE CORPORATION | 25 | 6.500% | $325,000 | 3.9% |
| ACHIEVA CREDIT UNION | 25 | 7.250% | $105,000 | 29.0% |
| Kiavi Funding, Inc. | 25 | 10.240% | $215,000 | 7.4% |
| POINT MORTGAGE CORPORATION | 25 | 6.990% | $275,000 | 0.0% |
| AmeriSave Mortgage Corporation | 24 | 7.250% | $85,000 | 72.5% |
| LAKEVIEW LOAN SERVICING, LLC | 24 | 6.688% | $215,000 | 61.5% |
| Wells Fargo Bank, National Association | 24 | 6.313% | $200,000 | 22.6% |
| Fifth Third Bank, National Association | 24 | 7.995% | $90,000 | 35.0% |
| GUILD MORTGAGE COMPANY | 24 | 6.438% | $205,000 | 21.2% |
| PLANET HOME LENDING, LLC | 22 | 5.995% | $260,000 | 24.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 22 | 6.750% | $260,000 | 4.4% |
| PLAZA HOME MORTGAGE, INC. | 21 | 7.125% | $285,000 | 39.5% |
| ZILLOW HOME LOANS, LLC | 21 | 6.625% | $245,000 | 8.3% |
| VAN DYK MORTGAGE CORPORATION | 21 | 6.625% | $255,000 | 4.6% |
| Capital City Bank | 20 | 6.990% | $155,000 | 37.8% |
| FBC MORTGAGE, LLC | 20 | 6.490% | $365,000 | 16.7% |
| Coastal Community Bank | 19 | 11.240% | $55,000 | 2.4% |
| U.S. Bank National Association | 19 | 6.625% | $305,000 | 54.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 19 | 6.250% | $275,000 | 5.7% |
| GERSHMAN INVESTMENT CORP. | 19 | 6.500% | $275,000 | 9.5% |
| CHAMPIONS FUNDING, LLC | 19 | 8.375% | $225,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 19 | 6.875% | $185,000 | 0.0% |
| LOWER, LLC | 18 | 6.500% | $260,000 | 33.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 18 | 6.438% | $180,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 18 | 8.250% | $245,000 | 14.3% |
| A&D Mortgage LLC | 18 | 6.990% | $225,000 | 14.3% |
| HANCOCK WHITNEY BANK | 18 | 6.188% | $385,000 | 5.3% |
| Plains Commerce Bank | 17 | 6.125% | $205,000 | 15.0% |
| OCMBC, INC. | 16 | 7.875% | $250,000 | 14.3% |
| SouthState Bank, National Association | 16 | 6.563% | $260,000 | 5.6% |
| Lendage, LLC | 16 | 11.125% | $50,000 | 13.6% |
| Seacoast National Bank | 16 | 6.625% | $380,000 | 15.8% |
| BETTER MORTGAGE CORPORATION | 15 | 7.500% | $175,000 | 40.7% |
| GoodLeap, LLC | 15 | 5.500% | $205,000 | 42.9% |
| Luminate Bank | 14 | 6.625% | $240,000 | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 14 | 6.438% | $125,000 | 6.7% |
| NFM, INC. | 14 | 6.625% | $270,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 13 | 6.865% | $325,000 | 66.7% |
| Cadence Bank | 13 | 7.000% | $195,000 | 12.5% |
| TD Bank, National Association | 12 | 7.790% | $120,000 | 38.1% |
| MICHIGAN MUTUAL, INC. | 12 | 6.990% | $265,000 | 21.1% |
| AMWEST FUNDING CORP. | 12 | 7.000% | $225,000 | 14.3% |
| GENEVA FINANCIAL, LLC | 12 | 7.125% | $175,000 | 0.0% |
| Easy Street Capital, LLC | 12 | 9.900% | $210,000 | 0.0% |
| TRAILBLAZER MORTGAGE L.L.C. | 11 | 3.990% | $295,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 11 | 7.125% | $225,000 | 52.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.375% | $285,000 | 8.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 6.990% | $255,000 | 0.0% |
| Grow Financial Federal Credit Union | 11 | 8.000% | $115,000 | 26.7% |
| GUARANTEED RATE AFFINITY, LLC | 11 | 6.625% | $305,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 10 | 6.313% | $255,000 | 37.5% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 10 | 6.438% | $240,000 | 41.2% |
| USAA Federal Savings Bank | 10 | 6.500% | $335,000 | 33.3% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 10 | 6.250% | $225,000 | 16.7% |
| TIDEWATER MORTGAGE SERVICES, INC. | 10 | 6.750% | $160,000 | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| TOP FLITE FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 8.3% |
| KEYSTONE FUNDING, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 47.1% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Midwest Mortgage Associates Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| EMM LOANS LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Alcova Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BayFirst National Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 89.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 60.0% |
| Republic Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 22.2% |
| SAN ANTONIO CITIZENS | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Mid-Continent Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| METROPLEX MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 69.2% |
| Centennial Bank | 4 | Under 10 loans | Under 10 loans | 37.5% |
| INTELLILOAN, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 11.1% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Synovus Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAUNCH CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RPE Home, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LAKE MICHIGAN CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOME ACCESS FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TAMPA POSTAL FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 33.3% |
| USF Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank OZK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FAIRWINDS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEARPATH LENDING | 3 | 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 264 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Hernando County
28 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 7 | $915.1 million |
| Regions Bank | 4 | $312.7 million |
| Bank of America, National Association | 3 | $713.2 million |
| Capital City Bank | 3 | $179.4 million |
| JPMorgan Chase Bank, National Association | 2 | $299.4 million |
| Wells Fargo Bank, National Association | 2 | $262.7 million |
| Brannen Bank | 2 | $142.6 million |
| PNC Bank, National Association | 2 | $135.7 million |
| The Huntington National Bank | 2 | $109.7 million |
| Centennial Bank | 1 | $70.4 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 6023 Spring Hill Dr, Spring Hill
- Cadence Bank, 1300 Pinehurst Dr, Spring Hill
- Cadence Bank, 14211 Powell Rd, Brooksville
Get told when this changes
When the next year’s lending figures are out for Hernando 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.