Mortgage lenders in Okaloosa County
5,593 mortgages were made in Okaloosa County, Florida, in 2025, by 485 lenders. The median rate their borrowers got was 6.250% on a median loan of $305,000. Of 7,566 decisions, 1,566 were denials — 20.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 489 | 6.000% | $335,000 | 12.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 321 | 6.500% | $305,000 | 1.8% |
| Rocket Mortgage, LLC | 316 | 6.375% | $255,000 | 21.1% |
| MOVEMENT MORTGAGE, LLC | 252 | 6.281% | $315,000 | 2.1% |
| DHI MORTGAGE COMPANY, LTD. | 246 | 4.990% | $325,000 | 10.4% |
| Navy Federal Credit Union | 194 | 6.563% | $250,000 | 31.9% |
| Mortgage Research Center, LLC | 187 | 6.125% | $325,000 | 34.5% |
| University Bank | 154 | 6.250% | $335,000 | 4.3% |
| Eglin Credit Union | 148 | Not published | $95,000 | 9.1% |
| Waterstone Mortgage Corporation | 117 | 6.500% | $285,000 | 4.8% |
| FREEDOM MORTGAGE CORPORATION | 111 | 6.125% | $325,000 | 4.2% |
| Regions Bank | 103 | 4.990% | $105,000 | 43.7% |
| PENNYMAC LOAN SERVICES, LLC | 95 | 6.125% | $285,000 | 17.7% |
| NEWREZ LLC | 86 | 6.250% | $325,000 | 23.2% |
| Broker Solutions, Inc. | 81 | 6.490% | $295,000 | 19.8% |
| Community Bank of Mississippi | 70 | 6.995% | $245,000 | 2.7% |
| CMG MORTGAGE, INC. | 65 | 5.875% | $425,000 | 2.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 61 | 6.250% | $305,000 | 13.5% |
| TOWNE MORTGAGE COMPANY | 56 | 6.250% | $355,000 | 1.7% |
| NATIONSTAR MORTGAGE LLC | 53 | 7.125% | $175,000 | 14.3% |
| Kiavi Funding, Inc. | 52 | 10.200% | $245,000 | 5.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 50 | 6.495% | $325,000 | 0.0% |
| Trustmark National Bank | 49 | 6.375% | $405,000 | 2.0% |
| Assurance Financial Group, L.L.C. | 49 | 6.125% | $405,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 46 | 5.990% | $325,000 | 2.1% |
| Cadence Bank | 46 | 7.000% | $250,000 | 14.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 45 | 5.625% | $285,000 | 40.9% |
| GUARANTEED RATE, INC. | 40 | 6.613% | $305,000 | 8.9% |
| Northpointe Bank | 40 | 6.875% | $230,000 | 4.8% |
| Synovus Bank | 39 | 8.000% | $155,000 | 35.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 39 | 6.375% | $295,000 | 9.3% |
| USAA Federal Savings Bank | 36 | 6.375% | $350,000 | 39.0% |
| Loandepot.Com, LLC | 35 | 7.250% | $155,000 | 37.5% |
| FIGURE LENDING LLC | 35 | 8.650% | $75,000 | 24.3% |
| PENTAGON FEDERAL CREDIT UNION | 35 | 6.625% | $285,000 | 30.0% |
| Ameris Bank | 35 | 5.990% | $255,000 | 12.5% |
| ALL IN FEDERAL CREDIT UNION | 31 | 7.500% | $145,000 | 42.4% |
| FBC MORTGAGE, LLC | 31 | 4.990% | $345,000 | 0.0% |
| PNC Bank, National Association | 30 | 7.530% | $130,000 | 39.6% |
| Bank of England | 30 | 6.563% | $285,000 | 3.2% |
| Renasant Bank | 29 | 7.250% | $275,000 | 27.9% |
| GUILD MORTGAGE COMPANY | 29 | 6.625% | $365,000 | 8.3% |
| Bank of America, National Association | 27 | 6.490% | $115,000 | 61.1% |
| BankPlus | 27 | 6.125% | $405,000 | 15.6% |
| NEW DAY FINANCIAL, LLC | 25 | 6.875% | $245,000 | 42.6% |
| SPRING EQ, LLC | 25 | 10.075% | $105,000 | 58.0% |
| Centennial Bank | 25 | 6.125% | $305,000 | 3.9% |
| Citizens Bank, National Association | 24 | 7.775% | $205,000 | 31.4% |
| HANCOCK WHITNEY BANK | 24 | 6.063% | $185,000 | 22.9% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 24 | 7.188% | $285,000 | 0.0% |
| ServisFirst Bank | 24 | 6.563% | $320,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 23 | 6.250% | $355,000 | 4.2% |
| Paramount Residential Mortgage Group, Inc. | 23 | 6.125% | $415,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 23 | 6.250% | $275,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 22 | 5.625% | $310,000 | 55.4% |
| Coastal Community Bank | 22 | 9.740% | $50,000 | 1.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 22 | 5.750% | $375,000 | 17.7% |
| DSLD MORTGAGE, LLC | 22 | 5.875% | $365,000 | 4.4% |
| PRINCETON MORTGAGE CORPORATION | 21 | 6.625% | $325,000 | 7.7% |
| NFM, INC. | 21 | 6.750% | $295,000 | 0.0% |
| Wells Fargo Bank, National Association | 20 | 6.250% | $265,000 | 37.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 20 | 6.250% | $390,000 | 10.7% |
| KIND LENDING, LLC | 20 | 6.125% | $325,000 | 28.6% |
| LENNAR MORTGAGE, LLC | 20 | 4.188% | $285,000 | 8.7% |
| 21st Mortgage Corporation | 19 | 9.380% | $175,000 | 84.0% |
| U.S. Bank National Association | 19 | 6.375% | $305,000 | 38.7% |
| THE LOAN STORE, INC. | 19 | 7.990% | $275,000 | 6.5% |
| PLANET HOME LENDING, LLC | 19 | 5.990% | $415,000 | 13.6% |
| ZILLOW HOME LOANS, LLC | 18 | 6.625% | $270,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 17 | 9.000% | $135,000 | 56.6% |
| NBKC BANK | 17 | 5.875% | $415,000 | 5.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 17 | 6.990% | $325,000 | 10.5% |
| HOMEXPRESS MORTGAGE CORP. | 17 | 7.375% | $245,000 | 5.6% |
| Equity Prime Mortgage LLC | 16 | 6.438% | $300,000 | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 16 | 6.550% | $320,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 16 | 7.688% | $225,000 | 0.0% |
| MSA MORTGAGE, LLC | 16 | 6.250% | $375,000 | 0.0% |
| AmeriSave Mortgage Corporation | 15 | 7.750% | $105,000 | 77.8% |
| JPMorgan Chase Bank, National Association | 15 | 6.875% | $285,000 | 21.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 14 | 6.688% | $310,000 | 33.3% |
| United Community Bank | 14 | 6.500% | $420,000 | 34.8% |
| SouthState Bank, National Association | 14 | 6.550% | $325,000 | 12.5% |
| Hometown Equity Mortgage, LLC | 13 | 7.125% | $285,000 | 51.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.250% | $325,000 | 35.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 12 | 6.563% | $220,000 | 7.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 5.750% | $255,000 | 4.4% |
| Manufacturers and Traders Trust Company | 10 | 3.000% | $375,000 | 16.7% |
| Truist Bank | 9 | Under 10 loans | Under 10 loans | 54.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| LoanUnited.com, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Third Federal Savings and Loan Association of Cleveland | 8 | Under 10 loans | Under 10 loans | 55.6% |
| Fifth Third Bank, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 15.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 10.0% |
| PNB Community Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 14.3% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| City National Bank of Florida | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Tyndall Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| THE MORTGAGE FIRM, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 80.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 72.2% |
| MORIA DEVELOPMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Mid-Continent Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| INSPIRE HOME LOANS INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| First Security Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ONE OF THE SOUTH, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Pen Air Credit Union | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| VYSTAR CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BUILDERS CHOICE MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CCB Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900HL2VMAYA3J5494 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Thomasville National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SmartBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Granite Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Troy Bank and Trust Company | 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 285 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Okaloosa County
54 FDIC-insured branches from 22 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Regions Bank | 7 | $662.9 million |
| FNBT BANK | 7 | $474.8 million |
| Pinnacle Bank | 5 | $742.9 million |
| Hancock Whitney Bank | 4 | $627.6 million |
| PNC Bank, National Association | 4 | $191.9 million |
| Bank of America, National Association | 3 | $522.7 million |
| Wells Fargo Bank, National Association | 3 | $388.3 million |
| Renasant Bank | 3 | $280.5 million |
| Trustmark Bank | 2 | $157.5 million |
| Truist Bank | 2 | $134.8 million |
| CCB Community Bank | 2 | $126.5 million |
| Community Bank of Mississippi | 2 | $79.7 million |
| United Fidelity Bank, fsb | 1 | $328.8 million |
| ServisFirst Bank | 1 | $102.5 million |
| SmartBank | 1 | $98.7 million |
| PNB Community Bank | 1 | $93.6 million |
| United Community Bank | 1 | $57.9 million |
| The Huntington National Bank | 1 | $55.1 million |
| Centennial Bank | 1 | $47.4 million |
| Origin Bank | 1 | $41.3 million |
| MidSouth Bank | 1 | $28.3 million |
| River Bank & Trust | 1 | $6.9 million |
Closed since the 2025 survey
7 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 32 Beal Pkwy Nw, Fort Walton Beach
- Renasant Bank, 36254 Emerald Coast Pkwy, Destin
- Synovus Bank, 1001 John Sims Pkwy E, Niceville
- Synovus Bank, 1139 Industrial Dr, Crestview
- Synovus Bank, 34910 Emerald Coast Pkwy, Destin
- Synovus Bank, 4300 E Highway 20, Niceville
- Synovus Bank, 71 Beal Pkwy Ne, Fort Walton Beach
Get told when this changes
When the next year’s lending figures are out for Okaloosa County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.