Mortgage lenders in Monroe County
1,632 mortgages were made in Monroe County, Florida, in 2025, by 347 lenders. The median rate their borrowers got was 6.868% on a median loan of $585,000. Of 2,419 decisions, 701 were denials — 29.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 239 | 6.539% | $605,000 | 19.7% |
| First Horizon Bank | 162 | 6.375% | $450,000 | 29.4% |
| Rocket Mortgage, LLC | 80 | 6.750% | $405,000 | 25.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 51 | 6.875% | $705,000 | 3.7% |
| SouthState Bank, National Association | 43 | 6.875% | $495,000 | 14.0% |
| Centennial Bank | 42 | 7.250% | $415,000 | 24.6% |
| A&D Mortgage LLC | 39 | 6.990% | $555,000 | 13.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 31 | 7.124% | $765,000 | 8.8% |
| Citizens Bank, National Association | 27 | 7.240% | $465,000 | 27.0% |
| Navy Federal Credit Union | 26 | 7.750% | $190,000 | 37.2% |
| DEEPHAVEN MORTGAGE LLC | 25 | 7.625% | $565,000 | 37.5% |
| THE LOAN STORE, INC. | 25 | 7.125% | $565,000 | 15.2% |
| Bank of America, National Association | 23 | 5.875% | $1,105,000 | 57.4% |
| PENNYMAC LOAN SERVICES, LLC | 22 | 6.750% | $580,000 | 31.4% |
| Truist Bank | 20 | 6.620% | $415,000 | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 20 | 7.250% | $640,000 | 42.9% |
| JPMorgan Chase Bank, National Association | 19 | 6.500% | $1,005,000 | 17.4% |
| CLEAREDGE LENDING LLC | 18 | 6.999% | $665,000 | 18.2% |
| FIGURE LENDING LLC | 15 | 9.000% | $105,000 | 44.8% |
| LENNAR MORTGAGE, LLC | 14 | 4.500% | $490,000 | 36.4% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.870% | $485,000 | 22.2% |
| CHAMPIONS FUNDING, LLC | 14 | 7.438% | $740,000 | 30.0% |
| Morgan Stanley Private Bank, National Association | 14 | 5.950% | $1,235,000 | 0.0% |
| Citadel Servicing Corporation | 13 | 7.125% | $605,000 | 11.1% |
| Loandepot.Com, LLC | 13 | 7.875% | $125,000 | 23.5% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.625% | $365,000 | 23.5% |
| TD Bank, National Association | 12 | 7.315% | $535,000 | 36.8% |
| Hometown Equity Mortgage, LLC | 12 | 7.250% | $770,000 | 42.9% |
| CMG MORTGAGE, INC. | 12 | 6.716% | $645,000 | 13.3% |
| NEWREZ LLC | 11 | 6.500% | $555,000 | 56.0% |
| SPACE COAST CREDIT UNION | 11 | 7.375% | $205,000 | 50.0% |
| Mortgage Research Center, LLC | 10 | 5.870% | $620,000 | 37.5% |
| Third Federal Savings and Loan Association of Cleveland | 10 | 6.990% | $160,000 | 23.1% |
| Plains Commerce Bank | 10 | 6.000% | $585,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 67.7% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| City National Bank of Florida | 9 | Under 10 loans | Under 10 loans | 18.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Regions Bank | 7 | Under 10 loans | Under 10 loans | 54.6% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 41.7% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Reliable Holdings Manager dba Lendz Financial | 7 | Under 10 loans | Under 10 loans | 12.5% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 64.7% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 22.2% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 87.5% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Home Mortgage Alliance Corporation (HMAC) | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prime Meridian Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 70.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LAKE MICHIGAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Synovus Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 18.8% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 56.3% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 77.8% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DADE COUNTY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Popular Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DG PINNACLE FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Towne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cogent Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FineMark National Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mercantile Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Seacoast National Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Suncoast Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCOTT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TROPICAL FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Momentum Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MIAMI FIREFIGHTERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Partner Mortgage Services | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Grayson Bancorp, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARIXA SECURED INCOME FUND, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Schaumburg Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | 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 147 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Monroe County
35 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First Horizon Bank | 8 | $1.2 billion |
| First State Bank | 8 | $1.1 billion |
| Centennial Bank | 8 | $828.6 million |
| Bank of America, National Association | 4 | $595.4 million |
| Wells Fargo Bank, National Association | 2 | $313.9 million |
| Truist Bank | 2 | $251.6 million |
| SouthState Bank, National Association | 1 | $144.8 million |
| Gulf Atlantic Bank | 1 | $44.9 million |
| The Northern Trust Company | 1 | $3.1 million |
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When the next year’s lending figures are out for Monroe 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.