Home purchase lenders in Okaloosa County
3,567 home purchase mortgages were made in Okaloosa County, Florida, in 2025, by 362 lenders. The median rate their borrowers got was 6.250% on a median loan of $325,000. Of 4,190 decisions, 482 were denials — 11.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 295 | 6.500% | $305,000 | 0.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 249 | 6.150% | $325,000 | 10.3% |
| DHI MORTGAGE COMPANY, LTD. | 246 | 4.990% | $325,000 | 10.4% |
| MOVEMENT MORTGAGE, LLC | 208 | 6.281% | $315,000 | 1.7% |
| Mortgage Research Center, LLC | 159 | 6.250% | $335,000 | 12.0% |
| University Bank | 145 | 6.125% | $335,000 | 4.0% |
| Waterstone Mortgage Corporation | 110 | 6.500% | $285,000 | 3.5% |
| Rocket Mortgage, LLC | 110 | 6.250% | $340,000 | 11.1% |
| Navy Federal Credit Union | 102 | 6.000% | $335,000 | 17.6% |
| CMG MORTGAGE, INC. | 61 | 5.875% | $425,000 | 1.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 58 | 6.250% | $315,000 | 10.5% |
| Broker Solutions, Inc. | 49 | 6.500% | $305,000 | 9.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 48 | 6.500% | $325,000 | 0.0% |
| Assurance Financial Group, L.L.C. | 46 | 6.125% | $405,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 46 | 5.990% | $325,000 | 2.1% |
| NEWREZ LLC | 45 | 6.625% | $345,000 | 18.2% |
| Kiavi Funding, Inc. | 41 | 10.200% | $255,000 | 2.2% |
| Community Bank of Mississippi | 41 | 6.750% | $245,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 40 | 6.250% | $355,000 | 2.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 39 | 6.375% | $295,000 | 4.9% |
| Trustmark National Bank | 39 | 6.375% | $435,000 | 0.0% |
| Northpointe Bank | 37 | 6.875% | $235,000 | 2.6% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 5.999% | $355,000 | 16.3% |
| FREEDOM MORTGAGE CORPORATION | 34 | 5.990% | $320,000 | 5.6% |
| GUARANTEED RATE, INC. | 31 | 6.600% | $295,000 | 3.1% |
| Ameris Bank | 31 | 5.990% | $275,000 | 6.1% |
| FBC MORTGAGE, LLC | 30 | 4.990% | $350,000 | 0.0% |
| Bank of England | 29 | 6.500% | $285,000 | 3.3% |
| USAA Federal Savings Bank | 27 | 6.500% | $375,000 | 40.0% |
| Eglin Credit Union | 27 | Not published | $255,000 | 6.9% |
| GUILD MORTGAGE COMPANY | 25 | 6.625% | $365,000 | 6.9% |
| Cadence Bank | 25 | 6.750% | $275,000 | 7.4% |
| BankPlus | 24 | 6.125% | $405,000 | 17.2% |
| Centennial Bank | 24 | 6.125% | $305,000 | 4.0% |
| DSLD MORTGAGE, LLC | 22 | 5.875% | $365,000 | 4.4% |
| Paramount Residential Mortgage Group, Inc. | 21 | 5.875% | $425,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 20 | 3.000% | $330,000 | 16.0% |
| LENNAR MORTGAGE, LLC | 20 | 4.188% | $285,000 | 8.7% |
| UNION HOME MORTGAGE CORP. | 20 | 6.250% | $270,000 | 0.0% |
| 21st Mortgage Corporation | 19 | 9.380% | $175,000 | 83.6% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 19 | 6.250% | $395,000 | 11.1% |
| Fairway Independent Mortgage Corporation | 19 | 6.250% | $365,000 | 5.0% |
| NFM, INC. | 19 | 6.750% | $295,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 18 | 6.625% | $270,000 | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 18 | 7.500% | $280,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 18 | 5.750% | $315,000 | 5.3% |
| Regions Bank | 17 | 6.500% | $395,000 | 16.7% |
| KIND LENDING, LLC | 17 | 6.125% | $325,000 | 29.2% |
| PRINCETON MORTGAGE CORPORATION | 17 | 6.750% | $365,000 | 4.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 16 | 9.125% | $130,000 | 57.7% |
| LENDSURE MORTGAGE CORP. | 16 | 7.688% | $225,000 | 0.0% |
| NBKC BANK | 16 | 5.938% | $405,000 | 0.0% |
| Renasant Bank | 16 | 7.000% | $310,000 | 5.6% |
| MSA MORTGAGE, LLC | 16 | 6.250% | $375,000 | 0.0% |
| Synovus Bank | 15 | 6.625% | $325,000 | 21.1% |
| GUARANTEED RATE AFFINITY, LLC | 15 | 6.600% | $345,000 | 0.0% |
| ServisFirst Bank | 15 | 6.490% | $275,000 | 0.0% |
| Wells Fargo Bank, National Association | 13 | 6.125% | $345,000 | 38.1% |
| PENTAGON FEDERAL CREDIT UNION | 13 | 6.000% | $345,000 | 13.3% |
| SouthState Bank, National Association | 12 | 6.550% | $325,000 | 7.7% |
| HOMEXPRESS MORTGAGE CORP. | 12 | 7.313% | $230,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 6.990% | $325,000 | 15.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 11 | 6.625% | $215,000 | 8.3% |
| U.S. Bank National Association | 10 | 6.000% | $400,000 | 0.0% |
| Manufacturers and Traders Trust Company | 9 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Truist Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 58.8% |
| Loandepot.Com, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| City National Bank of Florida | 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% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY 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% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 11.1% |
| INSPIRE HOME LOANS INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ALL IN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| 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% |
| PNB Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MORIA DEVELOPMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BUILDERS CHOICE MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VYSTAR CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Thomasville National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pen Air Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Security Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 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% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PRIDE BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidSouth Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PACOR MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 15.8% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gulf Coast Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CORTRUST MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Plains National Bank | 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 162 lenders each made 1 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.