Home purchase lenders in Osceola County
8,105 home purchase mortgages were made in Osceola County, Florida, in 2025, by 459 lenders. The median rate their borrowers got was 6.250% on a median loan of $355,000. Of 10,267 decisions, 1,922 were denials — 18.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 928 | 6.499% | $335,000 | 16.3% |
| DHI MORTGAGE COMPANY, LTD. | 665 | 4.750% | $385,000 | 14.5% |
| LENNAR MORTGAGE, LLC | 369 | 4.750% | $365,000 | 32.5% |
| PULTE MORTGAGE LLC | 333 | 5.000% | $395,000 | 29.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 246 | 6.750% | $305,000 | 7.4% |
| A&D Mortgage LLC | 182 | 6.990% | $265,000 | 7.6% |
| Rocket Mortgage, LLC | 176 | 6.433% | $355,000 | 21.1% |
| Loandepot.Com, LLC | 164 | 5.125% | $365,000 | 23.6% |
| NFM, INC. | 162 | 4.990% | $455,000 | 4.1% |
| Cornerstone First Mortgage, Inc | 161 | 6.875% | $295,000 | 1.8% |
| TRAILBLAZER MORTGAGE L.L.C. | 152 | 4.688% | $435,000 | 7.8% |
| M/I FINANCIAL, LLC | 150 | 4.875% | $410,000 | 8.3% |
| FBC MORTGAGE, LLC | 139 | 5.750% | $405,000 | 11.4% |
| Taylor Morrison Home Funding, Inc. | 133 | 5.375% | $395,000 | 42.9% |
| Broker Solutions, Inc. | 130 | 6.750% | $335,000 | 7.8% |
| Banco do Brasil Americas | 125 | 6.750% | $345,000 | 9.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 116 | 5.375% | $345,000 | 22.4% |
| JPMorgan Chase Bank, National Association | 113 | 6.375% | $315,000 | 12.9% |
| THE MORTGAGE FIRM, INC. | 93 | 6.750% | $315,000 | 3.0% |
| AMWEST FUNDING CORP. | 83 | 6.875% | $255,000 | 5.7% |
| Paramount Residential Mortgage Group, Inc. | 77 | 6.625% | $345,000 | 9.4% |
| PENNYMAC LOAN SERVICES, LLC | 76 | 6.499% | $385,000 | 22.0% |
| NEWREZ LLC | 75 | 6.750% | $335,000 | 10.7% |
| GUARANTEED RATE, INC. | 69 | 6.625% | $385,000 | 14.8% |
| Hometown Equity Mortgage, LLC | 68 | 7.375% | $310,000 | 36.4% |
| CHAMPIONS FUNDING, LLC | 66 | 7.500% | $305,000 | 26.4% |
| STG MORTGAGE INC | 66 | 6.125% | $385,000 | 8.0% |
| MOVEMENT MORTGAGE, LLC | 65 | 6.750% | $305,000 | 6.3% |
| Mortgage Research Center, LLC | 64 | 6.438% | $370,000 | 13.3% |
| NORTHPOINT MORTGAGE, INC. | 58 | 6.688% | $395,000 | 3.3% |
| CMG MORTGAGE, INC. | 57 | 6.563% | $365,000 | 6.2% |
| First Heritage Mortgage, LLC | 54 | 4.990% | $395,000 | 6.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 53 | 6.624% | $385,000 | 3.6% |
| SouthState Bank, National Association | 50 | 6.500% | $375,000 | 21.9% |
| KIND LENDING, LLC | 48 | 6.563% | $370,000 | 32.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 48 | 5.490% | $340,000 | 7.4% |
| OCMBC, INC. | 45 | 6.990% | $305,000 | 14.1% |
| ZILLOW HOME LOANS, LLC | 45 | 6.625% | $325,000 | 11.5% |
| PFN Lending Group, Inc. | 45 | 5.990% | $445,000 | 4.3% |
| KBHS HOME LOANS, LLC | 44 | 5.750% | $375,000 | 25.4% |
| THE LOAN STORE, INC. | 43 | 6.875% | $325,000 | 15.8% |
| JET HOMELOANS, LP | 41 | 4.990% | $475,000 | 4.4% |
| GUILD MORTGAGE COMPANY | 41 | 6.125% | $345,000 | 4.7% |
| Plains Commerce Bank | 40 | 6.375% | $285,000 | 14.9% |
| HOMEXPRESS MORTGAGE CORP. | 38 | 7.375% | $245,000 | 33.9% |
| FREEDOM MORTGAGE CORPORATION | 37 | 6.250% | $385,000 | 14.0% |
| Navy Federal Credit Union | 36 | 6.438% | $375,000 | 28.8% |
| Fairway Independent Mortgage Corporation | 36 | 6.933% | $365,000 | 10.0% |
| BRADESCO BANK | 36 | 6.625% | $340,000 | 2.7% |
| ACOPIA, LLC | 36 | 5.875% | $390,000 | 5.0% |
| NVR Mortgage Finance, Inc. | 35 | 5.990% | $435,000 | 34.0% |
| Bank of America, National Association | 34 | 6.375% | $285,000 | 44.3% |
| Reliable Holdings Manager dba Lendz Financial | 34 | 7.688% | $260,000 | 5.6% |
| Commerce Home Mortgage, Inc. | 32 | 7.375% | $300,000 | 20.0% |
| Wells Fargo Bank, National Association | 31 | 6.500% | $315,000 | 29.5% |
| 21st Mortgage Corporation | 30 | 10.280% | $85,000 | 75.8% |
| ALKAN MORTGAGE CORPORATION | 30 | 6.750% | $320,000 | 10.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 29 | 7.125% | $335,000 | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 29 | 7.625% | $365,000 | 31.0% |
| Citadel Servicing Corporation | 29 | 7.625% | $305,000 | 0.0% |
| RMC HOME MORTGAGE, LLC | 28 | 6.125% | $325,000 | 15.2% |
| HOMEAMERICAN MORTGAGE CORPORATION | 28 | 4.625% | $475,000 | 6.5% |
| Waterstone Mortgage Corporation | 27 | 6.375% | $295,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 26 | 6.870% | $270,000 | 8.1% |
| GEO-CORP, INC. | 25 | 6.625% | $375,000 | 10.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 24 | 6.813% | $325,000 | 33.3% |
| U.S. Bank National Association | 24 | 6.000% | $495,000 | 16.7% |
| MORTGAGE EQUITY PARTNERS LLC | 24 | 6.562% | $370,000 | 7.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 23 | 7.124% | $245,000 | 14.8% |
| Kiavi Funding, Inc. | 22 | 11.095% | $235,000 | 0.0% |
| JMAC LENDING, INC. | 21 | 6.250% | $305,000 | 4.6% |
| Truist Bank | 21 | 6.250% | $485,000 | 19.2% |
| Click n' Close, Inc. | 20 | 6.625% | $280,000 | 12.5% |
| Regions Bank | 20 | 6.563% | $375,000 | 15.4% |
| Centennial Bank | 20 | 7.000% | $485,000 | 9.1% |
| PLAZA HOME MORTGAGE, INC. | 19 | 6.490% | $295,000 | 36.7% |
| Ixonia Bank | 19 | 6.750% | $345,000 | 13.6% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 18 | 6.813% | $250,000 | 5.3% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 18 | 7.063% | $270,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 17 | 6.500% | $285,000 | 18.2% |
| PLANET HOME LENDING, LLC | 17 | 6.750% | $295,000 | 5.6% |
| TRIAD FINANCIAL SERVICES, INC. | 16 | 9.175% | $75,000 | 71.3% |
| INSPIRE HOME LOANS INC. | 16 | 4.875% | $295,000 | 20.0% |
| UNION HOME MORTGAGE CORP. | 16 | 6.375% | $335,000 | 11.1% |
| CLEAREDGE LENDING LLC | 15 | 7.125% | $255,000 | 23.8% |
| EVERETT FINANCIAL, INC. | 14 | 6.933% | $350,000 | 30.0% |
| PARTNERS Federal Credit Union | 14 | 5.933% | $240,000 | 6.7% |
| NEXERA HOLDING LLC | 14 | 7.125% | $315,000 | 6.7% |
| MATTAMY HOME FUNDING, LLC | 14 | 6.375% | $625,000 | 17.7% |
| CLIFFCO, INC. | 14 | 6.188% | $315,000 | 0.0% |
| MY MORTGAGE, INC. | 14 | 6.688% | $380,000 | 5.9% |
| 2549005Z23HAAZ6QDM98 | 14 | 7.250% | $210,000 | 0.0% |
| 2549005FUF02T1IFCA22 | 14 | 7.188% | $335,000 | 12.5% |
| PARK SQUARE HOME MORTGAGE, LLC | 14 | 4.990% | $375,000 | 6.7% |
| GUARANTEED RATE AFFINITY, LLC | 13 | 6.125% | $395,000 | 12.5% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 13 | 6.375% | $295,000 | 0.0% |
| SPACE COAST CREDIT UNION | 12 | 6.625% | $280,000 | 13.3% |
| City Lending Inc. | 12 | 6.563% | $255,000 | 36.8% |
| RESICENTRAL, LLC | 12 | 6.490% | $330,000 | 18.8% |
| SECURITYNATIONAL MORTGAGE COMPANY | 12 | 7.313% | $295,000 | 25.0% |
| City National Bank of Florida | 12 | 6.063% | $280,000 | 7.1% |
| FOUNDATION MORTGAGE CORPORATION | 12 | 7.313% | $395,000 | 17.7% |
| POINT MORTGAGE CORPORATION | 12 | 7.125% | $350,000 | 0.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 12 | 6.933% | $325,000 | 0.0% |
| Fifth Third Bank, National Association | 11 | 6.750% | $355,000 | 47.6% |
| TrustCo Bank | 11 | 6.500% | $375,000 | 8.3% |
| RBC Bank, (Georgia) National Association | 11 | 5.750% | $435,000 | 15.4% |
| BETTER MORTGAGE CORPORATION | 10 | 6.625% | $345,000 | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.437% | $310,000 | 25.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 10 | 6.620% | $380,000 | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 6.563% | $330,000 | 9.1% |
| Intercredit Bank, National Association | 10 | Not published | $330,000 | 9.1% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 6.625% | $250,000 | 8.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 6.000% | $290,000 | 0.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 35.7% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 9 | Under 10 loans | Under 10 loans | 30.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 7.7% |
| Logan Finance Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| EMM LOANS LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 52.9% |
| ARC HOME LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FAIRWINDS CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 18.2% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LENDSURE MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MIDFLORIDA | 7 | Under 10 loans | Under 10 loans | 58.8% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Tomo Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| 9845005BP6974AE5D838 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MICHIGAN MUTUAL, INC. | 7 | Under 10 loans | Under 10 loans | 8.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Helm Bank USA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 50.0% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 53.8% |
| 254900CTT87ZKAUTIJ37 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 75.0% |
| SOUTHWEST STAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 38.5% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Filo Mortgage, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 12.5% |
| TOLL BROTHERS MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 22.2% |
| Bell Bank | 5 | Under 10 loans | Under 10 loans | 25.0% |
| LUXURY MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ADDITION FINANCIAL | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UIF CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| American Momentum Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 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% |
| Gateway First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NORWICH COMMERCIAL GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900K39SBWA2QOUF69 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 3 | 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 259 lenders each made 3 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.