Home purchase lenders in Hillsborough County
17,338 home purchase mortgages were made in Hillsborough County, Florida, in 2025, by 629 lenders. The median rate their borrowers got was 6.490% on a median loan of $345,000. Of 21,050 decisions, 3,054 were denials — 14.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,282 | 6.499% | $345,000 | 11.5% |
| Click n' Close, Inc. | 843 | 7.250% | $335,000 | 5.4% |
| LENNAR MORTGAGE, LLC | 771 | 4.625% | $345,000 | 19.2% |
| Rocket Mortgage, LLC | 621 | 6.500% | $345,000 | 16.4% |
| DHI MORTGAGE COMPANY, LTD. | 577 | 4.750% | $325,000 | 12.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 447 | 6.625% | $365,000 | 2.8% |
| Suncoast Credit Union | 416 | 5.375% | $315,000 | 10.4% |
| CMG MORTGAGE, INC. | 338 | 6.000% | $425,000 | 3.9% |
| PENNYMAC LOAN SERVICES, LLC | 329 | 6.499% | $445,000 | 15.0% |
| JPMorgan Chase Bank, National Association | 279 | 6.375% | $345,000 | 12.4% |
| Mortgage Research Center, LLC | 275 | 6.125% | $385,000 | 9.3% |
| Broker Solutions, Inc. | 250 | 6.624% | $325,000 | 6.0% |
| Paramount Residential Mortgage Group, Inc. | 234 | 6.625% | $355,000 | 12.0% |
| Fairway Independent Mortgage Corporation | 223 | 6.750% | $315,000 | 6.6% |
| Navy Federal Credit Union | 205 | 6.125% | $395,000 | 16.9% |
| MY MORTGAGE, INC. | 185 | 6.625% | $375,000 | 2.1% |
| NEWREZ LLC | 182 | 6.500% | $365,000 | 15.7% |
| UNION HOME MORTGAGE CORP. | 175 | 6.500% | $325,000 | 6.4% |
| PULTE MORTGAGE LLC | 173 | 5.000% | $455,000 | 19.4% |
| Regions Bank | 172 | 6.125% | $555,000 | 15.0% |
| Truist Bank | 165 | 6.240% | $605,000 | 14.9% |
| Cornerstone First Mortgage, Inc | 162 | 6.125% | $295,000 | 4.1% |
| GUARANTEED RATE, INC. | 161 | 6.375% | $355,000 | 10.4% |
| NFM, INC. | 157 | 6.625% | $385,000 | 1.9% |
| KIND LENDING, LLC | 152 | 6.625% | $345,000 | 25.5% |
| FREEDOM MORTGAGE CORPORATION | 150 | 6.250% | $390,000 | 14.8% |
| THE LOAN STORE, INC. | 150 | 6.875% | $360,000 | 7.4% |
| MOVEMENT MORTGAGE, LLC | 139 | 6.625% | $335,000 | 3.5% |
| POINT MORTGAGE CORPORATION | 139 | 6.750% | $325,000 | 3.4% |
| Kiavi Funding, Inc. | 136 | 10.700% | $280,000 | 4.9% |
| GUILD MORTGAGE COMPANY | 136 | 6.495% | $300,000 | 3.3% |
| Bank of America, National Association | 125 | 6.125% | $345,000 | 34.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 125 | 6.125% | $335,000 | 12.1% |
| EVERETT FINANCIAL, INC. | 119 | 6.500% | $325,000 | 14.8% |
| THE MORTGAGE FIRM, INC. | 119 | 6.750% | $325,000 | 1.5% |
| GERSHMAN INVESTMENT CORP. | 118 | 6.625% | $375,000 | 5.6% |
| JMAC LENDING, INC. | 118 | 6.433% | $360,000 | 3.3% |
| LOWER, LLC | 108 | 6.500% | $385,000 | 5.2% |
| FBC MORTGAGE, LLC | 107 | 6.125% | $435,000 | 8.6% |
| AMERITRUST MORTGAGE CORPORATION | 103 | 6.750% | $395,000 | 3.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 102 | 7.250% | $335,000 | 24.3% |
| GTE Federal Credit Union | 102 | 6.125% | $325,000 | 13.5% |
| GUARANTEED RATE AFFINITY, LLC | 92 | 6.500% | $360,000 | 6.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 89 | 6.250% | $325,000 | 8.9% |
| VAN DYK MORTGAGE CORPORATION | 85 | 6.625% | $385,000 | 1.2% |
| ZILLOW HOME LOANS, LLC | 82 | 6.500% | $315,000 | 2.3% |
| A&D Mortgage LLC | 79 | 6.750% | $355,000 | 14.0% |
| U.S. Bank National Association | 77 | 6.375% | $505,000 | 9.1% |
| MIDFLORIDA | 75 | 6.250% | $405,000 | 41.3% |
| 212 LOANS, LLC. | 75 | 11.990% | $295,000 | 0.0% |
| SouthState Bank, National Association | 74 | 6.688% | $335,000 | 21.9% |
| MATTAMY HOME FUNDING, LLC | 71 | 5.500% | $325,000 | 10.1% |
| Equity Prime Mortgage LLC | 69 | 6.625% | $335,000 | 17.9% |
| 21st Mortgage Corporation | 68 | 9.735% | $90,000 | 77.3% |
| Plains Commerce Bank | 66 | 6.125% | $285,000 | 26.7% |
| TRIAD FINANCIAL SERVICES, INC. | 65 | 9.050% | $75,000 | 52.7% |
| RESICENTRAL, LLC | 63 | 6.490% | $385,000 | 2.9% |
| Fifth Third Bank, National Association | 62 | 6.438% | $365,000 | 29.2% |
| First Horizon Bank | 61 | 6.375% | $735,000 | 7.6% |
| Loandepot.Com, LLC | 57 | 5.990% | $335,000 | 17.1% |
| Synovus Bank | 57 | 5.875% | $235,000 | 10.8% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 57 | 9.750% | $265,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 56 | 4.990% | $315,000 | 49.2% |
| OCMBC, INC. | 56 | 6.999% | $315,000 | 17.3% |
| PLAZA HOME MORTGAGE, INC. | 55 | 6.875% | $295,000 | 47.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 55 | 6.500% | $355,000 | 8.3% |
| CHAMPIONS FUNDING, LLC | 54 | 7.500% | $305,000 | 14.3% |
| Wells Fargo Bank, National Association | 53 | 6.375% | $415,000 | 25.4% |
| HANCOCK WHITNEY BANK | 52 | 6.250% | $365,000 | 3.6% |
| Commerce Home Mortgage, Inc. | 50 | 7.875% | $295,000 | 5.7% |
| LAKE MICHIGAN CREDIT UNION | 50 | 6.183% | $450,000 | 7.4% |
| EMBRACE HOME LOANS, INC. | 50 | 6.625% | $335,000 | 7.3% |
| NVR Mortgage Finance, Inc. | 49 | 5.990% | $335,000 | 43.7% |
| Republic Bank & Trust Company | 49 | 5.990% | $305,000 | 0.0% |
| KBHS HOME LOANS, LLC | 46 | 5.750% | $385,000 | 7.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 46 | 6.250% | $380,000 | 6.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 45 | 6.625% | $335,000 | 6.1% |
| Hometown Equity Mortgage, LLC | 44 | 7.250% | $345,000 | 31.3% |
| Taylor Morrison Home Funding, Inc. | 41 | 4.750% | $435,000 | 39.7% |
| AMWEST FUNDING CORP. | 41 | 7.000% | $315,000 | 10.9% |
| EMM LOANS LLC | 41 | 6.250% | $315,000 | 8.3% |
| Filo Mortgage, L.L.C. | 39 | 6.490% | $425,000 | 6.8% |
| Third Federal Savings and Loan Association of Cleveland | 39 | 6.240% | $255,000 | 10.4% |
| USAA Federal Savings Bank | 37 | 6.375% | $395,000 | 46.4% |
| USF Federal Credit Union | 37 | 6.250% | $365,000 | 15.6% |
| PLANET HOME LENDING, LLC | 37 | 6.500% | $325,000 | 13.6% |
| BoxCar Mortgage, LLC | 37 | 6.490% | $315,000 | 11.9% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 36 | 6.625% | $335,000 | 16.3% |
| M/I FINANCIAL, LLC | 36 | 5.688% | $530,000 | 10.2% |
| Tomo Mortgage, LLC | 35 | 6.125% | $465,000 | 5.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 34 | 7.499% | $330,000 | 14.6% |
| Valley National Bank | 34 | 6.158% | $1,155,000 | 2.7% |
| TrustCo Bank | 33 | 6.375% | $245,000 | 10.3% |
| Morgan Stanley Private Bank, National Association | 32 | 5.850% | $740,000 | 3.0% |
| Luminate Bank | 31 | 6.125% | $275,000 | 0.0% |
| Grow Financial Federal Credit Union | 31 | 5.875% | $355,000 | 12.8% |
| Citibank, National Association | 30 | 6.188% | $355,000 | 3.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 30 | 6.750% | $320,000 | 14.3% |
| LEADERONE FINANCIAL CORPORATION | 30 | 6.625% | $325,000 | 6.3% |
| TOWNE MORTGAGE COMPANY | 30 | 6.750% | $320,000 | 0.0% |
| TD Bank, National Association | 29 | 6.750% | $615,000 | 12.1% |
| The Bank of Tampa | 28 | Not published | $575,000 | 28.3% |
| T2 FINANCIAL LLC | 28 | 6.750% | $335,000 | 12.1% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 28 | 6.625% | $285,000 | 0.0% |
| Citadel Servicing Corporation | 27 | 7.375% | $345,000 | 2.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 27 | 6.500% | $365,000 | 18.2% |
| Raymond James Bank | 27 | 5.125% | $905,000 | 3.6% |
| HOMEXPRESS MORTGAGE CORP. | 26 | 7.438% | $325,000 | 33.3% |
| CLEAREDGE LENDING LLC | 26 | 6.999% | $340,000 | 15.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 26 | 5.990% | $300,000 | 3.7% |
| HOMEAMERICAN MORTGAGE CORPORATION | 26 | 4.563% | $440,000 | 15.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 25 | 6.375% | $345,000 | 22.2% |
| DFCU FINANCIAL | 25 | 6.125% | $875,000 | 0.0% |
| LOANFLIGHT LENDING, LLC | 24 | 6.500% | $365,000 | 4.0% |
| Loan Funder LLC | 23 | 10.750% | $285,000 | 25.8% |
| TOP FLITE FINANCIAL, INC. | 23 | 6.490% | $315,000 | 3.9% |
| Ixonia Bank | 23 | 6.750% | $345,000 | 4.2% |
| NATIONSTAR MORTGAGE LLC | 22 | 6.625% | $390,000 | 11.5% |
| VYSTAR CREDIT UNION | 22 | 5.813% | $610,000 | 12.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 22 | 6.375% | $295,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 6.625% | $325,000 | 12.9% |
| HOME ACCESS FINANCIAL, LLC | 21 | 6.875% | $355,000 | 0.0% |
| NJ LENDERS CORP. | 21 | 6.375% | $335,000 | 8.7% |
| EQUITY RESOURCES, INC. | 21 | 6.750% | $235,000 | 0.0% |
| GRACE HOME LENDING, LLC | 21 | 5.750% | $495,000 | 0.0% |
| PNC Bank, National Association | 20 | 6.500% | $350,000 | 25.9% |
| RMC HOME MORTGAGE, LLC | 20 | 6.563% | $595,000 | 13.0% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 20 | 6.813% | $445,000 | 4.8% |
| TRAILBLAZER MORTGAGE L.L.C. | 20 | 3.990% | $390,000 | 9.1% |
| FIRST COLONY MORTGAGE CORPORATION | 20 | 6.625% | $390,000 | 4.4% |
| Waterstone Mortgage Corporation | 20 | 6.563% | $320,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 19 | 6.375% | $375,000 | 13.6% |
| PENTAGON FEDERAL CREDIT UNION | 19 | 6.625% | $365,000 | 26.9% |
| Acre Mortgage & Financial, Inc. | 19 | 6.625% | $415,000 | 13.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 19 | 6.250% | $295,000 | 0.0% |
| SELECT LENDING SERVICES LLC | 19 | 6.875% | $435,000 | 4.8% |
| City Lending Inc. | 19 | 6.625% | $355,000 | 13.6% |
| American Momentum Bank | 19 | Not published | $385,000 | 13.6% |
| First Option Mortgage, LLC | 18 | 6.625% | $355,000 | 11.5% |
| Reliable Holdings Manager dba Lendz Financial | 18 | 7.500% | $225,000 | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 17 | 6.625% | $345,000 | 19.1% |
| DEEPHAVEN MORTGAGE LLC | 17 | 7.250% | $295,000 | 34.6% |
| SECURITYNATIONAL MORTGAGE COMPANY | 17 | 6.125% | $185,000 | 15.0% |
| Charles Schwab Bank, SSB | 17 | 5.625% | $605,000 | 0.0% |
| Flagstar Bank, N.A. | 16 | 6.500% | $305,000 | 46.7% |
| NEXERA HOLDING LLC | 16 | 7.563% | $400,000 | 15.0% |
| NBKC BANK | 16 | 6.125% | $455,000 | 5.9% |
| Sierra Pacific Mortgage Company, Inc. | 15 | 6.750% | $285,000 | 21.1% |
| Bank OZK | 15 | 7.250% | $265,000 | 25.0% |
| KEYSTONE FUNDING, INC. | 15 | 6.375% | $295,000 | 5.0% |
| City National Bank of Florida | 15 | 6.000% | $295,000 | 6.3% |
| MORTGAGEONE, INC. | 14 | 6.438% | $380,000 | 0.0% |
| LIMA ONE CAPITAL, LLC | 14 | 9.000% | $345,000 | 26.3% |
| PREFERRED LENDING SERVICES, LLC | 14 | 6.563% | $370,000 | 6.7% |
| NexBank | 14 | 6.688% | $385,000 | 12.5% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 14 | 7.750% | $330,000 | 0.0% |
| STG MORTGAGE INC | 13 | 6.500% | $355,000 | 17.7% |
| AMERICAN HERITAGE LENDING, LLC | 13 | 8.250% | $265,000 | 11.8% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 13 | 7.750% | $355,000 | 5.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 13 | 6.490% | $265,000 | 13.3% |
| Seacoast National Bank | 13 | 6.625% | $305,000 | 13.3% |
| First National Bank of Pennsylvania | 13 | 6.125% | $705,000 | 0.0% |
| BAY EQUITY LLC | 12 | 6.625% | $310,000 | 13.3% |
| GUIDANCE RESIDENTIAL, LLC | 12 | 6.563% | $335,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 3.688% | $290,000 | 12.5% |
| First Federal Bank | 12 | 6.188% | $415,000 | 7.7% |
| LEGEND LENDING CORPORATION | 12 | 6.563% | $295,000 | 0.0% |
| GENEVA FINANCIAL, LLC | 12 | 6.938% | $360,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 12 | 6.500% | $295,000 | 20.0% |
| UIF CORPORATION | 12 | 6.995% | $385,000 | 0.0% |
| Bell Bank | 11 | 6.375% | $505,000 | 20.0% |
| Home Mortgage Alliance Corporation (HMAC) | 11 | 6.990% | $255,000 | 13.3% |
| ALLIANT CREDIT UNION | 11 | 7.250% | $315,000 | 15.4% |
| 5493000IRWB5WYTD2P48 | 11 | 6.750% | $395,000 | 0.0% |
| PARK SQUARE HOME MORTGAGE, LLC | 11 | 5.490% | $525,000 | 8.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 11 | 6.750% | $385,000 | 0.0% |
| LENDINGONE, LLC | 10 | 9.740% | $335,000 | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 10 | 8.300% | $65,000 | 50.9% |
| GENWAY HOME MORTGAGE, INC. | 10 | 7.125% | $275,000 | 52.4% |
| 254900CTT87ZKAUTIJ37 | 10 | 7.625% | $405,000 | 35.3% |
| Citizens Bank, National Association | 10 | 6.688% | $285,000 | 37.5% |
| NORWICH COMMERCIAL GROUP, INC. | 10 | 6.500% | $265,000 | 28.6% |
| FIRST COMMUNITY MORTGAGE, INC. | 10 | 6.063% | $345,000 | 15.4% |
| Manufacturers and Traders Trust Company | 10 | 6.000% | $425,000 | 0.0% |
| MLD MORTGAGE INC. | 10 | 6.495% | $415,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 9.365% | $250,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 16.7% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ACHIEVA CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| UBS Bank USA | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Nations Lending Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWAY FUNDING GROUP, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 8 | Under 10 loans | Under 10 loans | 21.7% |
| V.I.P. MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPACE COAST CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| STOCKTON MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 429 lenders each made 8 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.