Mortgage lenders in Hillsborough County
30,453 mortgages were made in Hillsborough County, Florida, in 2025, by 772 lenders. The median rate their borrowers got was 6.625% on a median loan of $295,000. Of 44,036 decisions, 11,442 were denials — 26.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,296 | 6.412% | $345,000 | 15.6% |
| Suncoast Credit Union | 1,862 | 7.500% | $105,000 | 22.3% |
| Rocket Mortgage, LLC | 1,848 | 6.625% | $245,000 | 21.6% |
| Click n' Close, Inc. | 852 | 7.250% | $340,000 | 5.4% |
| LENNAR MORTGAGE, LLC | 771 | 4.625% | $345,000 | 19.2% |
| PENNYMAC LOAN SERVICES, LLC | 654 | 6.500% | $355,000 | 19.9% |
| DHI MORTGAGE COMPANY, LTD. | 577 | 4.750% | $325,000 | 12.9% |
| Navy Federal Credit Union | 570 | 7.750% | $175,000 | 37.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 567 | 6.750% | $355,000 | 6.1% |
| Regions Bank | 515 | 4.990% | $205,000 | 42.2% |
| Bank of America, National Association | 510 | 6.240% | $155,000 | 48.8% |
| Truist Bank | 483 | 6.475% | $245,000 | 42.0% |
| FREEDOM MORTGAGE CORPORATION | 436 | 6.250% | $355,000 | 19.8% |
| JPMorgan Chase Bank, National Association | 418 | 6.375% | $305,000 | 13.9% |
| CMG MORTGAGE, INC. | 384 | 6.000% | $425,000 | 4.9% |
| NEWREZ LLC | 369 | 6.750% | $325,000 | 39.4% |
| MIDFLORIDA | 335 | 6.250% | $125,000 | 52.1% |
| Broker Solutions, Inc. | 326 | 6.625% | $295,000 | 17.1% |
| Mortgage Research Center, LLC | 316 | 6.125% | $385,000 | 33.1% |
| Third Federal Savings and Loan Association of Cleveland | 305 | 6.990% | $105,000 | 47.4% |
| GTE Federal Credit Union | 292 | 6.750% | $155,000 | 39.8% |
| Fifth Third Bank, National Association | 289 | 7.750% | $155,000 | 44.9% |
| THE LOAN STORE, INC. | 281 | 7.250% | $255,000 | 15.9% |
| Paramount Residential Mortgage Group, Inc. | 263 | 6.625% | $355,000 | 11.7% |
| Loandepot.Com, LLC | 261 | 6.625% | $205,000 | 27.3% |
| NATIONSTAR MORTGAGE LLC | 256 | 8.125% | $125,000 | 20.0% |
| Fairway Independent Mortgage Corporation | 236 | 6.688% | $315,000 | 9.1% |
| GUARANTEED RATE, INC. | 221 | 6.500% | $345,000 | 15.2% |
| UNION HOME MORTGAGE CORP. | 204 | 6.625% | $325,000 | 8.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 194 | 10.490% | $135,000 | 12.4% |
| KIND LENDING, LLC | 191 | 6.875% | $335,000 | 31.3% |
| FIGURE LENDING LLC | 189 | 8.825% | $75,000 | 29.8% |
| MY MORTGAGE, INC. | 189 | 6.625% | $375,000 | 2.0% |
| NFM, INC. | 180 | 6.625% | $395,000 | 1.6% |
| Cornerstone First Mortgage, Inc | 176 | 6.125% | $295,000 | 3.8% |
| PULTE MORTGAGE LLC | 174 | 5.000% | $455,000 | 19.4% |
| SPRING EQ, LLC | 170 | 9.300% | $90,000 | 70.1% |
| MOVEMENT MORTGAGE, LLC | 170 | 6.625% | $320,000 | 3.3% |
| Kiavi Funding, Inc. | 156 | 10.490% | $265,000 | 8.2% |
| GUILD MORTGAGE COMPANY | 153 | 6.500% | $305,000 | 6.3% |
| Coastal Community Bank | 151 | 9.740% | $55,000 | 3.0% |
| U.S. Bank National Association | 147 | 6.625% | $295,000 | 49.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 146 | 6.250% | $335,000 | 11.9% |
| POINT MORTGAGE CORPORATION | 141 | 6.750% | $325,000 | 3.3% |
| Grow Financial Federal Credit Union | 139 | 8.000% | $125,000 | 20.4% |
| The Bank of Tampa | 134 | Not published | $370,000 | 27.1% |
| JMAC LENDING, INC. | 134 | 6.375% | $355,000 | 2.9% |
| LOWER, LLC | 133 | 6.500% | $365,000 | 10.1% |
| EVERETT FINANCIAL, INC. | 131 | 6.500% | $315,000 | 16.4% |
| USF Federal Credit Union | 130 | 6.375% | $135,000 | 40.3% |
| GERSHMAN INVESTMENT CORP. | 129 | 6.625% | $375,000 | 6.5% |
| THE MORTGAGE FIRM, INC. | 129 | 6.750% | $325,000 | 2.1% |
| PNC Bank, National Association | 128 | 7.990% | $105,000 | 48.7% |
| Easy Street Capital, LLC | 121 | 9.900% | $265,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 120 | 6.750% | $385,000 | 3.2% |
| A&D Mortgage LLC | 119 | 6.990% | $305,000 | 18.9% |
| SouthState Bank, National Association | 119 | 6.975% | $255,000 | 24.5% |
| CHAMPIONS FUNDING, LLC | 117 | 7.375% | $285,000 | 25.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 116 | 7.125% | $335,000 | 25.0% |
| TD Bank, National Association | 115 | 7.440% | $205,000 | 40.1% |
| DFCU FINANCIAL | 112 | 5.750% | $305,000 | 9.4% |
| GUARANTEED RATE AFFINITY, LLC | 111 | 6.500% | $345,000 | 11.3% |
| FBC MORTGAGE, LLC | 109 | 6.125% | $435,000 | 8.4% |
| Republic Bank & Trust Company | 103 | 5.990% | $215,000 | 18.0% |
| Hometown Equity Mortgage, LLC | 101 | 7.250% | $285,000 | 35.2% |
| Wells Fargo Bank, National Association | 100 | 6.375% | $295,000 | 32.4% |
| Equity Prime Mortgage LLC | 100 | 6.625% | $335,000 | 20.6% |
| VAN DYK MORTGAGE CORPORATION | 99 | 6.500% | $375,000 | 1.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 98 | 7.490% | $235,000 | 48.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 97 | 6.250% | $325,000 | 8.1% |
| AmeriSave Mortgage Corporation | 96 | 8.438% | $100,000 | 74.6% |
| LAKEVIEW LOAN SERVICING, LLC | 92 | 6.490% | $280,000 | 61.9% |
| Citizens Bank, National Association | 92 | 7.900% | $205,000 | 37.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 92 | 6.250% | $255,000 | 25.2% |
| Valley National Bank | 91 | 6.490% | $355,000 | 10.3% |
| OCMBC, INC. | 88 | 7.125% | $305,000 | 15.9% |
| Synovus Bank | 84 | 6.125% | $225,000 | 23.1% |
| ZILLOW HOME LOANS, LLC | 82 | 6.500% | $315,000 | 2.3% |
| PLAZA HOME MORTGAGE, INC. | 81 | 7.000% | $265,000 | 44.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 78 | 5.995% | $395,000 | 30.0% |
| First Horizon Bank | 78 | 6.438% | $550,000 | 19.0% |
| RESICENTRAL, LLC | 78 | 6.313% | $365,000 | 2.3% |
| AMWEST FUNDING CORP. | 77 | 7.125% | $275,000 | 11.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 76 | 7.833% | $140,000 | 23.3% |
| HOMEXPRESS MORTGAGE CORP. | 76 | 7.500% | $300,000 | 46.9% |
| HANCOCK WHITNEY BANK | 76 | 6.000% | $290,000 | 20.4% |
| 212 LOANS, LLC. | 75 | 11.990% | $295,000 | 0.0% |
| PLANET HOME LENDING, LLC | 73 | 6.250% | $325,000 | 21.1% |
| MATTAMY HOME FUNDING, LLC | 71 | 5.500% | $325,000 | 10.1% |
| LAKE MICHIGAN CREDIT UNION | 70 | 6.490% | $345,000 | 16.3% |
| PENTAGON FEDERAL CREDIT UNION | 69 | 7.500% | $155,000 | 47.3% |
| TrustCo Bank | 69 | 6.250% | $175,000 | 27.5% |
| Lendage, LLC | 69 | 10.750% | $75,000 | 21.1% |
| 21st Mortgage Corporation | 68 | 9.735% | $90,000 | 78.3% |
| Plains Commerce Bank | 67 | 6.125% | $285,000 | 27.2% |
| Commerce Home Mortgage, Inc. | 67 | 7.875% | $295,000 | 16.3% |
| TRIAD FINANCIAL SERVICES, INC. | 66 | 9.025% | $75,000 | 52.9% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 65 | 9.750% | $265,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 64 | 6.500% | $360,000 | 8.6% |
| BETTER MORTGAGE CORPORATION | 63 | 8.000% | $235,000 | 51.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 63 | 7.499% | $275,000 | 20.5% |
| GoodLeap, LLC | 62 | 7.500% | $90,000 | 15.5% |
| BayFirst National Bank | 61 | 7.500% | $155,000 | 42.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 59 | 6.000% | $345,000 | 19.2% |
| Discover Bank | 56 | 8.650% | $85,000 | 79.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 56 | 4.990% | $315,000 | 49.2% |
| ACHIEVA CREDIT UNION | 53 | 7.500% | $105,000 | 37.1% |
| EMBRACE HOME LOANS, INC. | 52 | 6.625% | $335,000 | 8.3% |
| NEW DAY FINANCIAL, LLC | 51 | 6.625% | $335,000 | 54.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 49 | 6.625% | $335,000 | 5.7% |
| NVR Mortgage Finance, Inc. | 49 | 5.990% | $335,000 | 43.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 49 | 6.250% | $375,000 | 12.3% |
| Morgan Stanley Private Bank, National Association | 49 | 5.900% | $755,000 | 9.1% |
| SPACE COAST CREDIT UNION | 48 | 5.063% | $155,000 | 36.5% |
| EMM LOANS LLC | 48 | 6.250% | $305,000 | 7.3% |
| USAA Federal Savings Bank | 47 | 6.250% | $365,000 | 45.5% |
| Bank OZK | 46 | 5.990% | $175,000 | 39.5% |
| KBHS HOME LOANS, LLC | 46 | 5.750% | $385,000 | 7.7% |
| Filo Mortgage, L.L.C. | 44 | 6.433% | $420,000 | 6.1% |
| FLORIDA CENTRAL CREDIT UNION | 44 | 5.380% | $75,000 | 6.4% |
| DEEPHAVEN MORTGAGE LLC | 42 | 7.250% | $285,000 | 51.7% |
| Citadel Servicing Corporation | 42 | 7.500% | $325,000 | 5.6% |
| Taylor Morrison Home Funding, Inc. | 41 | 4.750% | $435,000 | 39.7% |
| T2 FINANCIAL LLC | 41 | 6.750% | $335,000 | 12.5% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 40 | 6.625% | $340,000 | 14.9% |
| FINANCE OF AMERICA REVERSE LLC | 39 | 6.125% | $205,000 | 9.3% |
| Citibank, National Association | 38 | 6.375% | $325,000 | 22.5% |
| BoxCar Mortgage, LLC | 38 | 6.495% | $315,000 | 15.6% |
| CLEAREDGE LENDING LLC | 37 | 7.125% | $295,000 | 22.0% |
| Luminate Bank | 36 | 6.125% | $270,000 | 0.0% |
| M/I FINANCIAL, LLC | 36 | 5.688% | $530,000 | 10.2% |
| Raymond James Bank | 36 | 5.188% | $875,000 | 5.3% |
| LEADERONE FINANCIAL CORPORATION | 36 | 6.625% | $340,000 | 5.3% |
| Tomo Mortgage, LLC | 35 | 6.125% | $465,000 | 5.3% |
| AMERICAN HERITAGE LENDING, LLC | 35 | 7.250% | $265,000 | 8.3% |
| TOP FLITE FINANCIAL, INC. | 35 | 6.500% | $315,000 | 5.0% |
| ALLIANT CREDIT UNION | 34 | 7.750% | $180,000 | 53.4% |
| Valon Mortgage, Inc. | 34 | 8.650% | $60,000 | 27.3% |
| TOWNE MORTGAGE COMPANY | 34 | 6.688% | $320,000 | 2.4% |
| LoanUnited.com, LLC | 33 | 6.250% | $355,000 | 10.8% |
| PHH Mortgage Corporation | 32 | 6.250% | $255,000 | 15.4% |
| VYSTAR CREDIT UNION | 32 | 5.875% | $575,000 | 25.0% |
| Seacoast National Bank | 32 | 7.250% | $185,000 | 28.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 32 | 6.750% | $325,000 | 18.0% |
| QUORUM FEDERAL CREDIT UNION | 31 | 8.625% | $145,000 | 33.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 31 | 6.500% | $295,000 | 6.1% |
| Loan Funder LLC | 30 | 10.000% | $290,000 | 36.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 30 | 6.375% | $330,000 | 18.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 29 | 9.865% | $215,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 28 | 6.063% | $285,000 | 39.1% |
| NEXERA HOLDING LLC | 28 | 7.500% | $400,000 | 14.7% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 28 | 6.625% | $285,000 | 0.0% |
| Ixonia Bank | 27 | 6.750% | $355,000 | 6.9% |
| FIRST COLONY MORTGAGE CORPORATION | 27 | 6.750% | $395,000 | 11.8% |
| LOANFLIGHT LENDING, LLC | 27 | 6.375% | $355,000 | 6.9% |
| The Federal Savings Bank | 26 | 6.563% | $410,000 | 25.0% |
| Flagstar Bank, N.A. | 26 | 6.500% | $305,000 | 43.5% |
| HOMEAMERICAN MORTGAGE CORPORATION | 26 | 4.563% | $440,000 | 15.6% |
| BMO Bank National Association | 25 | 8.680% | $155,000 | 51.8% |
| EQUITY RESOURCES, INC. | 25 | 6.750% | $235,000 | 13.8% |
| NJ LENDERS CORP. | 25 | 6.375% | $335,000 | 7.4% |
| Waterstone Mortgage Corporation | 24 | 6.563% | $330,000 | 3.9% |
| Charles Schwab Bank, SSB | 24 | 5.525% | $690,000 | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 23 | 7.250% | $365,000 | 16.1% |
| Reliable Holdings Manager dba Lendz Financial | 23 | 7.500% | $225,000 | 4.2% |
| HOME ACCESS FINANCIAL, LLC | 23 | 6.875% | $355,000 | 0.0% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 23 | 6.750% | $375,000 | 4.2% |
| Sierra Pacific Mortgage Company, Inc. | 22 | 6.688% | $255,000 | 21.4% |
| RMC HOME MORTGAGE, LLC | 21 | 6.500% | $595,000 | 12.5% |
| American Momentum Bank | 21 | Not published | $295,000 | 19.2% |
| GRACE HOME LENDING, LLC | 21 | 5.750% | $495,000 | 0.0% |
| Bethpage Federal Credit Union | 20 | 6.990% | $195,000 | 55.1% |
| NBKC BANK | 20 | 6.058% | $440,000 | 22.2% |
| Manufacturers and Traders Trust Company | 20 | 6.000% | $260,000 | 44.7% |
| Acre Mortgage & Financial, Inc. | 20 | 6.688% | $410,000 | 12.5% |
| TRAILBLAZER MORTGAGE L.L.C. | 20 | 3.990% | $390,000 | 9.1% |
| NexBank | 20 | 6.813% | $405,000 | 9.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 19 | 9.500% | $365,000 | 16.7% |
| First Option Mortgage, LLC | 19 | 6.625% | $335,000 | 11.1% |
| SELECT LENDING SERVICES LLC | 19 | 6.875% | $435,000 | 4.8% |
| TOLL BROTHERS MORTGAGE COMPANY | 19 | 6.250% | $295,000 | 0.0% |
| City Lending Inc. | 19 | 6.625% | $355,000 | 13.6% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 19 | 7.750% | $265,000 | 0.0% |
| LIMA ONE CAPITAL, LLC | 18 | 9.000% | $305,000 | 25.0% |
| 5493004T38NMC864VL66 | 18 | 10.500% | $300,000 | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 17 | 6.625% | $345,000 | 19.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | 17 | 6.125% | $185,000 | 19.1% |
| GENEVA FINANCIAL, LLC | 17 | 7.125% | $335,000 | 0.0% |
| LENDINGONE, LLC | 16 | 9.740% | $250,000 | 59.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 16 | 6.018% | $470,000 | 20.8% |
| VISTA POINT MORTGAGE, LLC | 16 | 7.625% | $325,000 | 27.8% |
| GUIDANCE RESIDENTIAL, LLC | 16 | 6.625% | $300,000 | 11.1% |
| MORTGAGEONE, INC. | 16 | 6.500% | $380,000 | 0.0% |
| Nations Lending Corporation | 16 | 6.688% | $255,000 | 4.8% |
| KEYSTONE FUNDING, INC. | 16 | 6.375% | $295,000 | 4.4% |
| LONGBRIDGE FINANCIAL, LLC | 16 | 6.438% | $160,000 | 10.5% |
| City National Bank of Florida | 16 | 6.000% | $295,000 | 15.8% |
| AMERICAN FINANCING CORPORATION | 15 | 5.990% | $255,000 | 70.4% |
| STG MORTGAGE INC | 15 | 6.500% | $405,000 | 22.7% |
| First Federal Bank | 15 | 6.125% | $415,000 | 11.8% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 572 lenders each made 15 or fewer mortgages here, and are counted in the totals above.
Bank branches in Hillsborough County
259 FDIC-insured branches from 51 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
10 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 2700 W Dr Martin Luther King Jr Blvd, Tampa
- Cadence Bank, 11790 N Dale Mabry Hwy, Tampa
- Cadence Bank, 4842 Sun City Center Blvd, Sun City Center
- Cadence Bank, 4890 W Kennedy Blvd, Ste 820, Tampa
- First Foundation Bank, 4404 W Kennedy Blvd, Tampa
- Synovus Bank, 11914 N Dale Mabry Hwy, Tampa
- Synovus Bank, 4003 W Neptune St, Tampa
- Synovus Bank, 4488 W Boy Scout Blvd, Tampa
- Synovus Bank, 906 E Cumberland Avenue, Tampa
- TrustCo Bank, 205 Apollo Beach Blvd, Apollo Beach
Get told when this changes
When the next year’s lending figures are out for Hillsborough 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.