Mortgage lenders in Indian River County
4,153 mortgages were made in Indian River County, Florida, in 2025, by 452 lenders. The median rate their borrowers got was 6.625% on a median loan of $255,000. Of 6,034 decisions, 1,595 were denials — 26.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 328 | 6.442% | $285,000 | 17.0% |
| Rocket Mortgage, LLC | 311 | 6.750% | $185,000 | 17.1% |
| SPACE COAST CREDIT UNION | 209 | 5.875% | $85,000 | 30.1% |
| GUILD MORTGAGE COMPANY | 118 | 6.500% | $315,000 | 2.3% |
| MIDFLORIDA | 110 | 6.313% | $90,000 | 48.2% |
| Loandepot.Com, LLC | 103 | 6.125% | $335,000 | 27.8% |
| SouthState Bank, National Association | 98 | 6.800% | $315,000 | 19.0% |
| PNC Bank, National Association | 95 | 7.450% | $125,000 | 44.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 90 | 6.750% | $280,000 | 3.2% |
| UNION HOME MORTGAGE CORP. | 82 | 6.625% | $305,000 | 11.7% |
| PULTE MORTGAGE LLC | 79 | 6.500% | $355,000 | 10.2% |
| DHI MORTGAGE COMPANY, LTD. | 75 | 4.990% | $325,000 | 19.2% |
| Bank of America, National Association | 67 | 6.240% | $225,000 | 50.0% |
| Seacoast National Bank | 66 | 7.250% | $155,000 | 40.5% |
| CONTOUR MORTGAGE CORPORATION | 64 | 6.750% | $285,000 | 1.5% |
| NEWREZ LLC | 62 | 6.813% | $220,000 | 43.2% |
| NVR Mortgage Finance, Inc. | 62 | 6.125% | $330,000 | 11.4% |
| MOVEMENT MORTGAGE, LLC | 56 | 6.625% | $275,000 | 4.4% |
| FREEDOM MORTGAGE CORPORATION | 55 | 6.250% | $315,000 | 19.2% |
| RMC HOME MORTGAGE, LLC | 55 | 6.250% | $305,000 | 3.5% |
| JPMorgan Chase Bank, National Association | 54 | 6.625% | $265,000 | 16.7% |
| TD Bank, National Association | 52 | 7.790% | $105,000 | 40.5% |
| PENNYMAC LOAN SERVICES, LLC | 49 | 6.624% | $265,000 | 30.0% |
| Presidential Bank, FSB | 48 | 6.563% | $325,000 | 5.9% |
| Mortgage Research Center, LLC | 47 | 6.250% | $315,000 | 35.6% |
| Navy Federal Credit Union | 47 | 7.750% | $145,000 | 29.6% |
| Truist Bank | 47 | 6.490% | $195,000 | 41.5% |
| NATIONSTAR MORTGAGE LLC | 44 | 7.188% | $160,000 | 24.1% |
| Kiavi Funding, Inc. | 34 | 9.125% | $220,000 | 26.9% |
| T2 FINANCIAL LLC | 34 | 6.625% | $325,000 | 4.9% |
| INSPIRE HOME LOANS INC. | 32 | 4.875% | $305,000 | 20.9% |
| BAYSHORE MORTGAGE FUNDING, LLC | 32 | 6.750% | $300,000 | 3.0% |
| COASTAL LOANS, LLC | 30 | 4.990% | $355,000 | 9.1% |
| TOTAL MORTGAGE SERVICES, LLC | 30 | 6.750% | $415,000 | 3.1% |
| FIGURE LENDING LLC | 29 | 8.450% | $55,000 | 25.9% |
| EVERETT FINANCIAL, INC. | 28 | 6.500% | $235,000 | 17.7% |
| Marine Bank & Trust Company | 28 | Not published | $505,000 | 9.7% |
| Coastal Community Bank | 22 | 10.115% | $35,000 | 5.6% |
| SPRING EQ, LLC | 22 | 8.488% | $75,000 | 65.6% |
| Wells Fargo Bank, National Association | 22 | 6.063% | $315,000 | 35.3% |
| Fairway Independent Mortgage Corporation | 22 | 6.625% | $250,000 | 18.5% |
| ITHINK FINANCIAL Credit Union | 21 | 8.000% | $95,000 | 38.2% |
| THE LOAN STORE, INC. | 21 | 6.625% | $235,000 | 18.5% |
| AmeriSave Mortgage Corporation | 19 | 8.500% | $65,000 | 72.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 19 | 9.540% | $155,000 | 5.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.375% | $195,000 | 18.2% |
| THE MORTGAGE FIRM, INC. | 17 | 6.990% | $265,000 | 0.0% |
| Plains Commerce Bank | 17 | 6.750% | $245,000 | 5.6% |
| Third Federal Savings and Loan Association of Cleveland | 16 | 6.990% | $135,000 | 46.9% |
| Paramount Residential Mortgage Group, Inc. | 16 | 7.188% | $250,000 | 11.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 16 | 6.625% | $350,000 | 5.9% |
| HOMEXPRESS MORTGAGE CORP. | 16 | 7.250% | $220,000 | 23.8% |
| Loan Funder LLC | 15 | 9.500% | $235,000 | 11.8% |
| CHAMPIONS FUNDING, LLC | 15 | 7.750% | $235,000 | 34.8% |
| Citadel Servicing Corporation | 15 | 7.125% | $225,000 | 10.5% |
| ZILLOW HOME LOANS, LLC | 15 | 6.500% | $255,000 | 0.0% |
| Broker Solutions, Inc. | 14 | 6.933% | $230,000 | 30.0% |
| Citizens Bank, National Association | 14 | 7.775% | $355,000 | 51.7% |
| A&D Mortgage LLC | 14 | 6.750% | $285,000 | 12.5% |
| FBC MORTGAGE, LLC | 14 | 5.990% | $395,000 | 6.7% |
| Commerce Home Mortgage, Inc. | 14 | 8.063% | $250,000 | 12.5% |
| PLANET HOME LENDING, LLC | 14 | 6.188% | $310,000 | 0.0% |
| U.S. Bank National Association | 13 | 6.875% | $265,000 | 38.1% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 7.000% | $150,000 | 53.3% |
| Regions Bank | 12 | 6.688% | $160,000 | 36.0% |
| Morgan Stanley Private Bank, National Association | 12 | 6.025% | $525,000 | 0.0% |
| City National Bank of Florida | 12 | 6.500% | $290,000 | 7.7% |
| CMG MORTGAGE, INC. | 11 | 6.500% | $305,000 | 25.0% |
| TrustCo Bank | 11 | 6.250% | $85,000 | 35.0% |
| OCMBC, INC. | 11 | 7.375% | $215,000 | 21.4% |
| BAY CAPITAL MORTGAGE CORPORATION | 11 | 6.750% | $335,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 11 | 6.125% | $405,000 | 8.3% |
| LENNAR MORTGAGE, LLC | 10 | 4.183% | $295,000 | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | 7.437% | $315,000 | 16.7% |
| Bethpage Federal Credit Union | 10 | 6.490% | $100,000 | 28.6% |
| COAST ONE MORTGAGE LLC | 10 | 6.750% | $255,000 | 16.7% |
| TRIAD FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 64.0% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 59.1% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 47.4% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| FINANCE OF AMERICA REVERSE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 7 | Under 10 loans | Under 10 loans | 10.0% |
| NQM FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 41.7% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| EMM LOANS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 84.4% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY CREDIT UNION of FLORIDA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 77.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 21.4% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 16.7% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 33.3% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Suncoast Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Horizon Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 3 | Under 10 loans | Under 10 loans | 80.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 60.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 75.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Florida Credit Union | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LAUNCH CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 28.6% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| POLICE & FIRE | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DYBN FINANCIAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Partner Mortgage Services | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 77.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DG PINNACLE FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE INVESTORS GROUP, INC. | 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 252 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Indian River County
38 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| PNC Bank, National Association | 5 | $933.0 million |
| Wells Fargo Bank, National Association | 5 | $907.5 million |
| Bank of America, National Association | 4 | $747.3 million |
| JPMorgan Chase Bank, National Association | 4 | $554.3 million |
| Seacoast National Bank | 4 | $489.3 million |
| TD Bank, National Association | 3 | $453.7 million |
| Truist Bank | 3 | $316.2 million |
| SouthState Bank, National Association | 2 | $296.0 million |
| The Northern Trust Company | 1 | $410.2 million |
| First American Trust, FSB | 1 | $242.3 million |
| BankUnited, National Association | 1 | $137.4 million |
| Valley National Bank | 1 | $116.8 million |
| Pinnacle Bank | 1 | $33.8 million |
| TrustCo Bank | 1 | $16.3 million |
| Cypress Bank & Trust | 1 | $7.0 million |
| Wilmington Trust, National Association | 1 | $0 |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Marine Bank & Trust Company, 1020 Us Highway 1, Sebastian
- Marine Bank & Trust Company, 1450 Us Highway 1, Vero Beach
- Marine Bank & Trust Company, 571 Beachland Blvd, Vero Beach
- Synovus Bank, 4000 20th St, Vero Beach
Get told when this changes
When the next year’s lending figures are out for Indian River 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.