Home purchase lenders in Hernando County
4,213 home purchase mortgages were made in Hernando County, Florida, in 2025, by 363 lenders. The median rate their borrowers got was 6.494% on a median loan of $285,000. Of 5,036 decisions, 691 were denials — 13.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 615 | 6.490% | $285,000 | 9.3% |
| DHI MORTGAGE COMPANY, LTD. | 184 | 4.875% | $325,000 | 9.3% |
| EVERETT FINANCIAL, INC. | 178 | 6.625% | $245,000 | 4.8% |
| Click n' Close, Inc. | 156 | 7.250% | $275,000 | 6.5% |
| Rocket Mortgage, LLC | 153 | 6.625% | $255,000 | 16.3% |
| Loandepot.Com, LLC | 133 | 5.125% | $305,000 | 37.9% |
| Suncoast Credit Union | 91 | 5.375% | $245,000 | 12.3% |
| RMC HOME MORTGAGE, LLC | 90 | 6.563% | $325,000 | 3.2% |
| CMG MORTGAGE, INC. | 82 | 6.375% | $315,000 | 1.1% |
| Mortgage Research Center, LLC | 80 | 6.250% | $315,000 | 7.9% |
| M/I FINANCIAL, LLC | 74 | 5.188% | $380,000 | 1.2% |
| Fairway Independent Mortgage Corporation | 73 | 6.750% | $255,000 | 5.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 72 | 6.813% | $275,000 | 2.7% |
| UNION HOME MORTGAGE CORP. | 67 | 6.500% | $315,000 | 4.3% |
| NEWREZ LLC | 65 | 6.500% | $315,000 | 9.7% |
| Brannen Bank | 65 | Not published | $355,000 | 8.3% |
| PULTE MORTGAGE LLC | 63 | 4.875% | $345,000 | 22.2% |
| LENNAR MORTGAGE, LLC | 56 | 4.375% | $340,000 | 13.9% |
| Paramount Residential Mortgage Group, Inc. | 46 | 6.500% | $290,000 | 9.8% |
| PENNYMAC LOAN SERVICES, LLC | 45 | 6.375% | $275,000 | 23.7% |
| MOVEMENT MORTGAGE, LLC | 43 | 6.625% | $235,000 | 2.0% |
| INSPIRE HOME LOANS INC. | 41 | 4.875% | $295,000 | 15.1% |
| MY MORTGAGE, INC. | 40 | 6.625% | $305,000 | 0.0% |
| THE MORTGAGE FIRM, INC. | 39 | 6.625% | $285,000 | 4.4% |
| NVR Mortgage Finance, Inc. | 37 | 6.125% | $265,000 | 19.6% |
| Broker Solutions, Inc. | 37 | 6.625% | $285,000 | 2.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 35 | 6.875% | $265,000 | 20.5% |
| Equity Prime Mortgage LLC | 33 | 6.625% | $265,000 | 15.4% |
| 21st Mortgage Corporation | 32 | 9.355% | $165,000 | 69.4% |
| Navy Federal Credit Union | 32 | 6.125% | $300,000 | 20.0% |
| JMAC LENDING, INC. | 30 | 6.250% | $290,000 | 0.0% |
| MIDFLORIDA | 29 | 6.375% | $325,000 | 35.6% |
| EMBRACE HOME LOANS, INC. | 28 | 5.490% | $315,000 | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 27 | 5.750% | $325,000 | 6.9% |
| GUARANTEED RATE, INC. | 26 | 5.813% | $335,000 | 10.3% |
| Capital City Home Loans, LLC | 26 | 7.500% | $315,000 | 18.8% |
| Cornerstone First Mortgage, Inc | 26 | 6.433% | $270,000 | 3.7% |
| AMERITRUST MORTGAGE CORPORATION | 25 | 6.500% | $325,000 | 3.9% |
| FREEDOM MORTGAGE CORPORATION | 25 | 6.250% | $335,000 | 13.3% |
| POINT MORTGAGE CORPORATION | 25 | 6.990% | $275,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 24 | 6.625% | $255,000 | 17.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.370% | $440,000 | 4.0% |
| THE LOAN STORE, INC. | 24 | 6.375% | $300,000 | 0.0% |
| KIND LENDING, LLC | 23 | 6.500% | $295,000 | 36.1% |
| Regions Bank | 22 | 6.438% | $510,000 | 22.6% |
| ZILLOW HOME LOANS, LLC | 21 | 6.625% | $245,000 | 8.3% |
| FBC MORTGAGE, LLC | 20 | 6.490% | $365,000 | 16.7% |
| Kiavi Funding, Inc. | 20 | 10.240% | $215,000 | 9.1% |
| GERSHMAN INVESTMENT CORP. | 19 | 6.500% | $275,000 | 9.5% |
| VAN DYK MORTGAGE CORPORATION | 19 | 6.625% | $255,000 | 5.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 19 | 6.875% | $185,000 | 0.0% |
| Bank of America, National Association | 18 | 6.188% | $235,000 | 33.3% |
| GUILD MORTGAGE COMPANY | 18 | 6.438% | $210,000 | 9.1% |
| LOWER, LLC | 18 | 6.500% | $260,000 | 21.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 17 | 6.250% | $275,000 | 3.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 17 | 6.375% | $195,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 17 | 6.750% | $255,000 | 5.6% |
| Plains Commerce Bank | 17 | 6.125% | $205,000 | 15.0% |
| GTE Federal Credit Union | 16 | 6.188% | $275,000 | 5.3% |
| PLAZA HOME MORTGAGE, INC. | 15 | 7.750% | $295,000 | 39.3% |
| Commerce Home Mortgage, Inc. | 15 | 8.000% | $255,000 | 0.0% |
| Seacoast National Bank | 15 | 6.625% | $395,000 | 6.3% |
| OCMBC, INC. | 14 | 7.875% | $260,000 | 16.7% |
| Wells Fargo Bank, National Association | 14 | 6.188% | $245,000 | 22.2% |
| Truist Bank | 14 | 6.445% | $260,000 | 12.5% |
| SouthState Bank, National Association | 14 | 6.500% | $270,000 | 0.0% |
| NFM, INC. | 14 | 6.625% | $270,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 12 | 8.563% | $240,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.875% | $255,000 | 0.0% |
| TRAILBLAZER MORTGAGE L.L.C. | 11 | 3.990% | $295,000 | 0.0% |
| U.S. Bank National Association | 11 | 6.625% | $365,000 | 26.7% |
| Luminate Bank | 11 | 6.625% | $225,000 | 15.4% |
| A&D Mortgage LLC | 11 | 6.875% | $285,000 | 15.4% |
| HANCOCK WHITNEY BANK | 11 | 6.250% | $445,000 | 8.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 10 | 6.438% | $240,000 | 41.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.870% | $245,000 | 0.0% |
| MICHIGAN MUTUAL, INC. | 10 | 6.990% | $240,000 | 18.8% |
| GENWAY HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Midwest Mortgage Associates Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Fifth Third Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SOUTHWEST STAGE FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 11.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| VYSTAR CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ACHIEVA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SAN ANTONIO CITIZENS | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Centennial Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cadence Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GO MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 212 LOANS, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOME ACCESS FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Honor Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Grow Financial Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| METROPLEX MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 82.4% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Acre Mortgage & Financial, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROSS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493000IRWB5WYTD2P48 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BayFirst National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 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 163 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.