Mortgage lenders in Orange County
25,010 mortgages were made in Orange County, Florida, in 2025, by 766 lenders. The median rate their borrowers got was 6.625% on a median loan of $305,000. Of 37,520 decisions, 10,615 were denials — 28.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,027 | 6.375% | $345,000 | 17.5% |
| Rocket Mortgage, LLC | 1,673 | 6.750% | $255,000 | 20.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 599 | 6.750% | $355,000 | 11.5% |
| Truist Bank | 570 | 6.365% | $245,000 | 44.0% |
| FAIRWINDS CREDIT UNION | 528 | 7.000% | $105,000 | 39.3% |
| PENNYMAC LOAN SERVICES, LLC | 523 | 6.624% | $365,000 | 21.1% |
| Bank of America, National Association | 495 | 6.240% | $185,000 | 51.1% |
| Navy Federal Credit Union | 460 | 7.888% | $155,000 | 37.4% |
| DHI MORTGAGE COMPANY, LTD. | 459 | 4.750% | $385,000 | 15.4% |
| PULTE MORTGAGE LLC | 449 | 5.750% | $505,000 | 27.2% |
| JPMorgan Chase Bank, National Association | 412 | 6.500% | $325,000 | 16.5% |
| Regions Bank | 394 | 4.990% | $155,000 | 44.3% |
| Fifth Third Bank, National Association | 327 | 7.650% | $150,000 | 43.9% |
| A&D Mortgage LLC | 312 | 6.875% | $305,000 | 11.4% |
| Loandepot.Com, LLC | 297 | 6.750% | $245,000 | 28.6% |
| PARTNERS Federal Credit Union | 282 | 7.000% | $155,000 | 34.0% |
| Broker Solutions, Inc. | 276 | 6.750% | $325,000 | 22.1% |
| THE LOAN STORE, INC. | 254 | 7.300% | $230,000 | 23.8% |
| FBC MORTGAGE, LLC | 254 | 6.433% | $415,000 | 9.5% |
| NEWREZ LLC | 245 | 6.625% | $305,000 | 45.2% |
| ADDITION FINANCIAL | 245 | 6.500% | $95,000 | 29.2% |
| FREEDOM MORTGAGE CORPORATION | 240 | 6.250% | $385,000 | 18.6% |
| TrustCo Bank | 222 | 5.750% | $175,000 | 41.2% |
| FIGURE LENDING LLC | 219 | 8.800% | $85,000 | 29.5% |
| SPRING EQ, LLC | 216 | 9.263% | $95,000 | 59.9% |
| M/I FINANCIAL, LLC | 210 | 5.625% | $410,000 | 4.3% |
| NATIONSTAR MORTGAGE LLC | 207 | 8.250% | $105,000 | 22.3% |
| LENNAR MORTGAGE, LLC | 190 | 4.750% | $395,000 | 26.6% |
| SPACE COAST CREDIT UNION | 185 | 5.250% | $155,000 | 27.5% |
| MATTAMY HOME FUNDING, LLC | 185 | 5.875% | $345,000 | 15.1% |
| GUARANTEED RATE, INC. | 174 | 6.750% | $375,000 | 16.3% |
| SouthState Bank, National Association | 168 | 6.625% | $305,000 | 23.7% |
| Plains Commerce Bank | 167 | 6.500% | $355,000 | 11.6% |
| TOLL BROTHERS MORTGAGE COMPANY | 166 | 6.000% | $445,000 | 12.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 166 | 10.540% | $125,000 | 10.6% |
| AMWEST FUNDING CORP. | 165 | 6.875% | $285,000 | 6.8% |
| THE MORTGAGE FIRM, INC. | 164 | 6.625% | $385,000 | 2.3% |
| Coastal Community Bank | 162 | 10.240% | $55,000 | 2.9% |
| PNC Bank, National Association | 162 | 7.620% | $155,000 | 44.7% |
| MOVEMENT MORTGAGE, LLC | 157 | 6.625% | $325,000 | 8.9% |
| Banco do Brasil Americas | 152 | 6.500% | $465,000 | 10.4% |
| Mortgage Research Center, LLC | 150 | 6.125% | $405,000 | 38.5% |
| Wells Fargo Bank, National Association | 149 | 6.250% | $325,000 | 30.7% |
| Seacoast National Bank | 144 | 7.250% | $180,000 | 33.5% |
| Paramount Residential Mortgage Group, Inc. | 141 | 6.625% | $325,000 | 7.8% |
| Third Federal Savings and Loan Association of Cleveland | 135 | 6.990% | $145,000 | 46.9% |
| JET HOMELOANS, LP | 134 | 5.250% | $500,000 | 6.8% |
| KIND LENDING, LLC | 129 | 6.625% | $345,000 | 33.3% |
| Kiavi Funding, Inc. | 124 | 10.490% | $265,000 | 6.5% |
| TD Bank, National Association | 121 | 7.440% | $235,000 | 41.4% |
| NFM, INC. | 121 | 6.125% | $425,000 | 3.9% |
| MIDFLORIDA | 117 | 5.990% | $155,000 | 60.0% |
| ALKAN MORTGAGE CORPORATION | 117 | 6.750% | $395,000 | 3.9% |
| CHAMPIONS FUNDING, LLC | 116 | 7.625% | $325,000 | 17.5% |
| CMG MORTGAGE, INC. | 113 | 6.875% | $365,000 | 11.4% |
| Cornerstone First Mortgage, Inc | 111 | 6.750% | $335,000 | 6.7% |
| Waterstone Mortgage Corporation | 109 | 6.500% | $355,000 | 6.0% |
| OCMBC, INC. | 108 | 7.125% | $295,000 | 18.2% |
| U.S. Bank National Association | 103 | 6.875% | $305,000 | 52.5% |
| Fairway Independent Mortgage Corporation | 103 | 6.625% | $355,000 | 5.4% |
| ZILLOW HOME LOANS, LLC | 96 | 6.500% | $330,000 | 10.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 93 | 7.625% | $155,000 | 28.5% |
| GUARANTEED RATE AFFINITY, LLC | 93 | 6.500% | $375,000 | 9.4% |
| Hometown Equity Mortgage, LLC | 88 | 7.125% | $310,000 | 45.0% |
| UNION HOME MORTGAGE CORP. | 88 | 6.375% | $350,000 | 8.9% |
| HOMEXPRESS MORTGAGE CORP. | 86 | 7.313% | $245,000 | 42.3% |
| Citizens Bank, National Association | 84 | 8.150% | $140,000 | 39.9% |
| Citadel Servicing Corporation | 82 | 7.500% | $260,000 | 5.9% |
| BETTER MORTGAGE CORPORATION | 81 | 8.125% | $155,000 | 46.4% |
| LAKEVIEW LOAN SERVICING, LLC | 80 | 6.725% | $225,000 | 67.7% |
| MORTGAGE EQUITY PARTNERS LLC | 80 | 6.625% | $325,000 | 0.0% |
| AmeriSave Mortgage Corporation | 78 | 8.500% | $105,000 | 74.6% |
| NORTHPOINT MORTGAGE, INC. | 74 | 6.625% | $405,000 | 1.3% |
| GUILD MORTGAGE COMPANY | 72 | 6.250% | $310,000 | 11.3% |
| Ixonia Bank | 72 | 6.625% | $345,000 | 14.1% |
| McCoy Federal Credit Union | 71 | Not published | $75,000 | 45.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 71 | 6.875% | $355,000 | 29.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 69 | 7.125% | $275,000 | 21.3% |
| Lendage, LLC | 69 | 10.250% | $65,000 | 15.8% |
| JMAC LENDING, INC. | 69 | 6.490% | $345,000 | 1.4% |
| NVR Mortgage Finance, Inc. | 65 | 5.990% | $415,000 | 27.8% |
| BRADESCO BANK | 65 | 6.375% | $435,000 | 4.4% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 64 | 6.188% | $530,000 | 22.0% |
| TRIAD FINANCIAL SERVICES, INC. | 62 | 9.590% | $75,000 | 58.6% |
| LOWER, LLC | 62 | 6.625% | $320,000 | 17.1% |
| Commerce Home Mortgage, Inc. | 62 | 7.750% | $370,000 | 15.1% |
| Suncoast Credit Union | 61 | 7.000% | $255,000 | 23.8% |
| PENTAGON FEDERAL CREDIT UNION | 60 | 7.625% | $175,000 | 53.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 6.250% | $250,000 | 29.5% |
| First Horizon Bank | 60 | 6.625% | $505,000 | 25.9% |
| EVERETT FINANCIAL, INC. | 59 | 6.625% | $365,000 | 9.0% |
| DEEPHAVEN MORTGAGE LLC | 57 | 7.500% | $245,000 | 26.0% |
| Discover Bank | 55 | 8.680% | $85,000 | 80.3% |
| PLAZA HOME MORTGAGE, INC. | 54 | 6.933% | $300,000 | 38.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 53 | 6.625% | $355,000 | 1.8% |
| 21st Mortgage Corporation | 52 | 10.790% | $85,000 | 78.5% |
| VYSTAR CREDIT UNION | 52 | 6.500% | $205,000 | 51.4% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 52 | 6.625% | $355,000 | 4.7% |
| CLEAREDGE LENDING LLC | 52 | 7.125% | $450,000 | 20.0% |
| Luminate Bank | 48 | 6.500% | $325,000 | 4.0% |
| RESICENTRAL, LLC | 48 | 6.375% | $395,000 | 9.4% |
| Click n' Close, Inc. | 48 | 7.063% | $305,000 | 2.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 47 | 6.749% | $205,000 | 61.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 47 | 5.990% | $415,000 | 8.9% |
| KBHS HOME LOANS, LLC | 46 | 5.933% | $425,000 | 9.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 45 | 6.375% | $425,000 | 16.4% |
| United Community Bank | 45 | 6.500% | $375,000 | 23.3% |
| GoodLeap, LLC | 44 | 7.475% | $90,000 | 36.9% |
| ALLIANT CREDIT UNION | 44 | 8.000% | $170,000 | 47.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 44 | 6.688% | $305,000 | 7.8% |
| USAA Federal Savings Bank | 43 | 6.375% | $405,000 | 38.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 43 | 6.750% | $305,000 | 29.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 40 | 5.870% | $360,000 | 30.6% |
| PLANET HOME LENDING, LLC | 40 | 6.250% | $355,000 | 25.9% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 40 | 7.480% | $240,000 | 0.0% |
| Equity Prime Mortgage LLC | 39 | 6.625% | $335,000 | 23.5% |
| Flagstar Bank, N.A. | 38 | 6.500% | $365,000 | 37.7% |
| TRAILBLAZER MORTGAGE L.L.C. | 37 | 5.875% | $425,000 | 0.0% |
| STG MORTGAGE INC | 36 | 6.250% | $415,000 | 9.3% |
| 254900HL2VMAYA3J5494 | 35 | 7.250% | $695,000 | 24.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 35 | 9.865% | $185,000 | 0.0% |
| Valon Mortgage, Inc. | 35 | 8.450% | $75,000 | 17.0% |
| NEXERA HOLDING LLC | 34 | 7.500% | $340,000 | 29.2% |
| General Mortgage Capital Corporation | 34 | 6.625% | $345,000 | 2.9% |
| AMERICAN HERITAGE LENDING, LLC | 33 | 8.000% | $245,000 | 6.3% |
| 2549005Z23HAAZ6QDM98 | 33 | 6.500% | $325,000 | 5.7% |
| T2 FINANCIAL LLC | 33 | 6.875% | $295,000 | 8.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 32 | 6.063% | $335,000 | 25.9% |
| Ameris Bank | 32 | 6.813% | $515,000 | 20.0% |
| 212 LOANS, LLC. | 31 | 11.990% | $235,000 | 0.0% |
| Easy Street Capital, LLC | 31 | 9.900% | $245,000 | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 29 | 7.000% | $325,000 | 23.7% |
| Synovus Bank | 29 | 7.900% | $265,000 | 39.2% |
| PFN Lending Group, Inc. | 29 | 6.500% | $535,000 | 25.6% |
| FINANCE OF AMERICA REVERSE LLC | 29 | 6.375% | $175,000 | 14.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 29 | 6.490% | $335,000 | 0.0% |
| Bell Bank | 29 | 6.625% | $495,000 | 3.2% |
| Helm Bank USA | 29 | Not published | $375,000 | 3.3% |
| Tomo Mortgage, LLC | 28 | 6.000% | $415,000 | 12.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 28 | 6.375% | $345,000 | 19.4% |
| Morgan Stanley Private Bank, National Association | 28 | 5.875% | $715,000 | 8.8% |
| NEW DAY FINANCIAL, LLC | 27 | 6.750% | $315,000 | 63.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 27 | 6.375% | $305,000 | 10.5% |
| Taylor Morrison Home Funding, Inc. | 27 | 5.375% | $555,000 | 18.2% |
| PHH Mortgage Corporation | 26 | 6.433% | $245,000 | 20.0% |
| Reliable Holdings Manager dba Lendz Financial | 26 | 7.375% | $285,000 | 16.1% |
| Filo Mortgage, L.L.C. | 26 | 6.250% | $415,000 | 3.5% |
| ARC HOME LLC | 26 | 7.000% | $385,000 | 23.5% |
| POINT MORTGAGE CORPORATION | 26 | 7.125% | $375,000 | 3.3% |
| Loan Funder LLC | 25 | 10.500% | $265,000 | 34.2% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 25 | 6.250% | $325,000 | 10.7% |
| 254900M2C4Q6DATP2889 | 24 | 5.990% | $275,000 | 29.4% |
| Bethpage Federal Credit Union | 24 | 6.990% | $240,000 | 52.6% |
| QUORUM FEDERAL CREDIT UNION | 24 | 9.188% | $195,000 | 46.3% |
| NBKC BANK | 24 | 6.000% | $520,000 | 16.7% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 24 | 6.875% | $300,000 | 0.0% |
| Wings Financial Credit Union | 23 | 7.250% | $135,000 | 3.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 22 | 5.933% | $435,000 | 22.6% |
| LEADERONE FINANCIAL CORPORATION | 22 | 6.688% | $395,000 | 15.4% |
| CLIFFCO, INC. | 22 | 6.562% | $355,000 | 4.4% |
| LoanUnited.com, LLC | 21 | 5.750% | $395,000 | 22.2% |
| 254900CTT87ZKAUTIJ37 | 21 | 8.375% | $215,000 | 24.1% |
| City Lending Inc. | 21 | 6.625% | $315,000 | 8.7% |
| CALCON MUTUAL MORTGAGE LLC | 21 | 6.625% | $285,000 | 8.7% |
| COMMUNITY CREDIT UNION of FLORIDA | 20 | 7.750% | $130,000 | 33.3% |
| PARK SQUARE HOME MORTGAGE, LLC | 20 | 4.990% | $365,000 | 16.7% |
| GENEVA FINANCIAL, LLC | 20 | 7.000% | $290,000 | 0.0% |
| LUXURY MORTGAGE CORP. | 20 | 7.125% | $415,000 | 4.8% |
| LAUNCH CREDIT UNION | 19 | 6.250% | $115,000 | 32.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 19 | 6.625% | $375,000 | 20.0% |
| The Federal Savings Bank | 19 | 6.625% | $495,000 | 4.4% |
| NEW WAVE LENDING GROUP INC | 19 | 7.000% | $345,000 | 0.0% |
| Florida Credit Union | 18 | 5.990% | $105,000 | 77.2% |
| Logan Finance Corporation | 18 | 7.312% | $310,000 | 16.7% |
| Sierra Pacific Mortgage Company, Inc. | 18 | 6.933% | $330,000 | 23.1% |
| GENWAY HOME MORTGAGE, INC. | 18 | 7.750% | $160,000 | 18.2% |
| MY MORTGAGE, INC. | 18 | 6.688% | $365,000 | 5.3% |
| Citibank, National Association | 17 | 6.375% | $405,000 | 37.9% |
| LENDSURE MORTGAGE CORP. | 17 | 7.625% | $445,000 | 13.0% |
| First Federal Bank | 17 | 6.375% | $425,000 | 10.5% |
| Mortgage Lenders Investment Trading Corporation | 17 | 7.125% | $255,000 | 9.1% |
| First National Bank of Pennsylvania | 16 | 6.313% | $720,000 | 15.8% |
| EMM LOANS LLC | 16 | 6.375% | $370,000 | 18.2% |
| EMBRACE HOME LOANS, INC. | 16 | 6.875% | $380,000 | 14.3% |
| BAY EQUITY LLC | 16 | 6.750% | $415,000 | 11.1% |
| GTE Federal Credit Union | 15 | 7.750% | $175,000 | 31.8% |
| VISTA POINT MORTGAGE, LLC | 15 | 7.875% | $235,000 | 16.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 15 | 6.625% | $385,000 | 10.5% |
| AML FUNDING LLC | 15 | 6.500% | $235,000 | 11.8% |
| NQM FUNDING, LLC | 15 | 7.375% | $525,000 | 19.1% |
| LONGBRIDGE FINANCIAL, LLC | 14 | 5.938% | $215,000 | 30.0% |
| AAA CAPITAL INVESTMENT, INC. | 14 | 6.750% | $345,000 | 4.4% |
| GEO-CORP, INC. | 14 | 6.813% | $350,000 | 6.7% |
| City National Bank of Florida | 14 | 6.250% | $370,000 | 6.7% |
| USALLIANCE FEDERAL CREDIT UNION | 14 | 8.000% | $210,000 | 30.0% |
| BPL MORTGAGE TRUST, LLC | 14 | 7.375% | $195,000 | 11.1% |
| Valley National Bank | 14 | 6.490% | $205,000 | 16.7% |
| OriginPoint, LLC | 13 | 6.875% | $585,000 | 7.1% |
| Prosperity Home Mortgage, LLC | 13 | 6.750% | $455,000 | 27.8% |
| First-Citizens Bank & Trust Company | 13 | 6.500% | $305,000 | 27.8% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 566 lenders each made 13 or fewer mortgages here, and are counted in the totals above.
Bank branches in Orange County
256 FDIC-insured branches from 40 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
7 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 7105 Silver Star Rd, Orlando
- Synovus Bank, 11860 Narcoossee Rd, Orlando
- Synovus Bank, 130 S Park Ave, Apopka
- Synovus Bank, 369 N New York Ave, Winter Park
- Synovus Bank, 8910 Conroy Windermere Rd, Orlando
- TrustCo Bank, 3020 Lamberton Blvd, Orlando
- Winter Park National Bank, 201 N New York Ave, Ste 100, Winter Park
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When the next year’s lending figures are out for Orange 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.