Mortgage lenders in Pinellas County
19,901 mortgages were made in Pinellas County, Florida, in 2025, by 791 lenders. The median rate their borrowers got was 6.750% on a median loan of $275,000. Of 28,865 decisions, 7,535 were denials — 26.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,864 | 6.495% | $335,000 | 15.8% |
| Rocket Mortgage, LLC | 1,381 | 6.750% | $225,000 | 22.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 607 | 6.750% | $335,000 | 5.0% |
| ACHIEVA CREDIT UNION | 595 | 7.250% | $105,000 | 25.5% |
| Regions Bank | 556 | 4.990% | $105,000 | 42.2% |
| Bank of America, National Association | 478 | 6.240% | $155,000 | 47.1% |
| Truist Bank | 401 | 6.475% | $205,000 | 42.1% |
| PENNYMAC LOAN SERVICES, LLC | 399 | 6.624% | $345,000 | 19.0% |
| Third Federal Savings and Loan Association of Cleveland | 391 | 6.990% | $125,000 | 34.6% |
| Suncoast Credit Union | 390 | 7.000% | $105,000 | 20.6% |
| NEWREZ LLC | 346 | 6.625% | $310,000 | 28.0% |
| Navy Federal Credit Union | 311 | 7.250% | $205,000 | 35.3% |
| Fifth Third Bank, National Association | 277 | 7.650% | $145,000 | 43.8% |
| MIDFLORIDA | 265 | 6.250% | $105,000 | 48.9% |
| JPMorgan Chase Bank, National Association | 254 | 6.625% | $305,000 | 22.2% |
| GUARANTEED RATE, INC. | 216 | 6.625% | $355,000 | 13.7% |
| MOVEMENT MORTGAGE, LLC | 211 | 6.625% | $325,000 | 4.8% |
| Kiavi Funding, Inc. | 201 | 10.200% | $315,000 | 13.5% |
| THE LOAN STORE, INC. | 191 | 7.100% | $255,000 | 17.1% |
| EVERETT FINANCIAL, INC. | 182 | 6.813% | $300,000 | 5.7% |
| FREEDOM MORTGAGE CORPORATION | 180 | 6.250% | $345,000 | 18.4% |
| Mortgage Research Center, LLC | 171 | 6.250% | $375,000 | 34.5% |
| CMG MORTGAGE, INC. | 171 | 6.625% | $345,000 | 4.9% |
| NATIONSTAR MORTGAGE LLC | 160 | 8.188% | $120,000 | 21.5% |
| GTE Federal Credit Union | 156 | 6.750% | $150,000 | 28.5% |
| Fairway Independent Mortgage Corporation | 154 | 6.750% | $315,000 | 9.3% |
| KIND LENDING, LLC | 153 | 6.750% | $355,000 | 31.6% |
| Loandepot.Com, LLC | 150 | 7.250% | $170,000 | 36.4% |
| A&D Mortgage LLC | 145 | 6.875% | $215,000 | 12.6% |
| PNC Bank, National Association | 144 | 7.990% | $145,000 | 41.0% |
| FIGURE LENDING LLC | 141 | 8.450% | $75,000 | 28.8% |
| Republic Bank & Trust Company | 135 | 5.990% | $255,000 | 18.6% |
| VAN DYK MORTGAGE CORPORATION | 128 | 6.625% | $305,000 | 3.0% |
| LOWER, LLC | 127 | 6.624% | $315,000 | 8.6% |
| U.S. Bank National Association | 125 | 6.750% | $275,000 | 44.5% |
| NFM, INC. | 118 | 6.750% | $360,000 | 3.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 116 | 6.750% | $355,000 | 7.2% |
| Broker Solutions, Inc. | 111 | 7.125% | $285,000 | 24.2% |
| UNION HOME MORTGAGE CORP. | 110 | 6.750% | $300,000 | 6.7% |
| SPRING EQ, LLC | 108 | 8.988% | $90,000 | 62.9% |
| Paramount Residential Mortgage Group, Inc. | 107 | 6.625% | $335,000 | 8.6% |
| Coastal Community Bank | 104 | 9.990% | $45,000 | 3.1% |
| Wells Fargo Bank, National Association | 103 | 6.500% | $280,000 | 38.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 102 | 6.813% | $320,000 | 13.3% |
| GUARANTEED RATE AFFINITY, LLC | 101 | 6.475% | $275,000 | 12.6% |
| BayFirst National Bank | 100 | 7.500% | $125,000 | 34.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 96 | 9.900% | $150,000 | 19.8% |
| JMAC LENDING, INC. | 94 | 6.500% | $375,000 | 3.1% |
| AmeriSave Mortgage Corporation | 90 | 8.058% | $95,000 | 69.7% |
| CHAMPIONS FUNDING, LLC | 90 | 7.500% | $320,000 | 28.0% |
| THE MORTGAGE FIRM, INC. | 90 | 6.875% | $325,000 | 0.0% |
| TOP FLITE FINANCIAL, INC. | 89 | 6.624% | $315,000 | 8.2% |
| Grow Financial Federal Credit Union | 88 | 6.625% | $120,000 | 19.3% |
| Click n' Close, Inc. | 88 | 7.125% | $315,000 | 2.2% |
| LEGEND LENDING CORPORATION | 87 | 6.875% | $355,000 | 1.1% |
| Easy Street Capital, LLC | 87 | 9.900% | $265,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 86 | 6.495% | $290,000 | 26.2% |
| DHI MORTGAGE COMPANY, LTD. | 86 | 4.933% | $350,000 | 12.1% |
| Bank OZK | 84 | 5.990% | $155,000 | 37.9% |
| GERSHMAN INVESTMENT CORP. | 83 | 6.625% | $375,000 | 7.6% |
| TD Bank, National Association | 77 | 7.790% | $165,000 | 46.0% |
| SouthState Bank, National Association | 77 | 6.875% | $285,000 | 29.5% |
| ZILLOW HOME LOANS, LLC | 74 | 6.625% | $320,000 | 9.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 74 | 9.500% | $325,000 | 0.0% |
| Valley National Bank | 72 | 6.490% | $355,000 | 23.5% |
| HANCOCK WHITNEY BANK | 71 | 6.000% | $215,000 | 28.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 68 | 7.374% | $275,000 | 21.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 67 | 6.625% | $295,000 | 4.3% |
| Citizens Bank, National Association | 62 | 7.900% | $205,000 | 45.2% |
| HOMEXPRESS MORTGAGE CORP. | 62 | 7.313% | $290,000 | 43.2% |
| 212 LOANS, LLC. | 62 | 11.990% | $290,000 | 0.0% |
| FBC MORTGAGE, LLC | 61 | 6.490% | $355,000 | 6.0% |
| LAKEVIEW LOAN SERVICING, LLC | 60 | 6.250% | $325,000 | 61.3% |
| AMWEST FUNDING CORP. | 59 | 6.875% | $275,000 | 9.2% |
| The Bank of Tampa | 58 | Not published | $405,000 | 24.4% |
| GUILD MORTGAGE COMPANY | 57 | 6.875% | $305,000 | 5.8% |
| FLORIDA CENTRAL CREDIT UNION | 57 | 4.990% | $105,000 | 3.4% |
| Waterstone Mortgage Corporation | 56 | 6.500% | $275,000 | 3.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 55 | 7.249% | $235,000 | 53.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 55 | 6.500% | $325,000 | 15.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 54 | 6.995% | $140,000 | 26.7% |
| Commerce Home Mortgage, Inc. | 54 | 7.438% | $355,000 | 11.5% |
| Cornerstone First Mortgage, Inc | 54 | 6.688% | $335,000 | 1.8% |
| GoodLeap, LLC | 51 | 6.990% | $105,000 | 26.6% |
| Hometown Equity Mortgage, LLC | 51 | 7.250% | $315,000 | 38.8% |
| First Horizon Bank | 51 | 6.625% | $355,000 | 17.5% |
| Plains Commerce Bank | 50 | 6.313% | $310,000 | 13.8% |
| RESICENTRAL, LLC | 50 | 6.313% | $345,000 | 5.1% |
| 21st Mortgage Corporation | 49 | 10.180% | $85,000 | 62.7% |
| PLAZA HOME MORTGAGE, INC. | 49 | 6.625% | $295,000 | 33.8% |
| Morgan Stanley Private Bank, National Association | 49 | 5.950% | $715,000 | 7.6% |
| BETTER MORTGAGE CORPORATION | 48 | 7.250% | $195,000 | 50.5% |
| Synovus Bank | 48 | 6.688% | $205,000 | 28.8% |
| USF Federal Credit Union | 44 | 6.188% | $185,000 | 25.8% |
| DEEPHAVEN MORTGAGE LLC | 44 | 7.438% | $285,000 | 39.2% |
| Seacoast National Bank | 44 | 7.500% | $240,000 | 32.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 44 | 6.500% | $400,000 | 13.2% |
| Loan Funder LLC | 43 | 10.340% | $315,000 | 32.8% |
| OCMBC, INC. | 43 | 7.499% | $305,000 | 25.0% |
| LAKE MICHIGAN CREDIT UNION | 43 | 6.375% | $415,000 | 4.3% |
| AMERICAN HERITAGE LENDING, LLC | 42 | 7.375% | $335,000 | 13.9% |
| FINANCE OF AMERICA REVERSE LLC | 42 | 6.563% | $180,000 | 18.9% |
| Discover Bank | 41 | 8.280% | $65,000 | 77.7% |
| Citadel Servicing Corporation | 41 | 6.999% | $405,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 40 | 6.500% | $310,000 | 14.9% |
| DFCU FINANCIAL | 40 | 5.750% | $405,000 | 9.6% |
| GO MORTGAGE, LLC | 40 | 6.562% | $300,000 | 4.7% |
| ALLIANT CREDIT UNION | 39 | 7.750% | $155,000 | 32.8% |
| 254900CTT87ZKAUTIJ37 | 39 | 9.990% | $405,000 | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 38 | 7.563% | $155,000 | 48.0% |
| Equity Prime Mortgage LLC | 38 | 6.563% | $285,000 | 17.4% |
| Bell Bank | 38 | 6.433% | $350,000 | 7.3% |
| DOMINION FINANCIAL SERVICES, LLC | 36 | 7.375% | $315,000 | 0.0% |
| USAA Federal Savings Bank | 34 | 6.125% | $400,000 | 37.0% |
| BoxCar Mortgage, LLC | 34 | 6.688% | $335,000 | 2.7% |
| SECURITYNATIONAL MORTGAGE COMPANY | 33 | 6.625% | $255,000 | 15.4% |
| Filo Mortgage, L.L.C. | 32 | 6.490% | $425,000 | 10.3% |
| CLEAREDGE LENDING LLC | 32 | 7.375% | $360,000 | 20.0% |
| Raymond James Bank | 32 | 5.875% | $655,000 | 8.6% |
| LEADERONE FINANCIAL CORPORATION | 31 | 6.625% | $285,000 | 20.5% |
| Valon Mortgage, Inc. | 30 | 8.500% | $75,000 | 23.3% |
| PLANET HOME LENDING, LLC | 29 | 6.375% | $345,000 | 19.4% |
| NEXERA HOLDING LLC | 28 | 7.313% | $305,000 | 12.1% |
| T2 FINANCIAL LLC | 28 | 7.500% | $325,000 | 6.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 28 | 6.500% | $300,000 | 3.5% |
| TRIAD FINANCIAL SERVICES, INC. | 27 | 8.800% | $95,000 | 48.0% |
| SmartFi Home Loans, LLC | 27 | 8.980% | $185,000 | 12.9% |
| NEW DAY FINANCIAL, LLC | 26 | 6.990% | $290,000 | 64.1% |
| PREFERRED LENDING SERVICES, LLC | 26 | 6.750% | $295,000 | 3.6% |
| LIMA ONE CAPITAL, LLC | 25 | 9.000% | $355,000 | 43.2% |
| 5493004T38NMC864VL66 | 25 | 10.500% | $315,000 | 21.9% |
| SPACE COAST CREDIT UNION | 24 | 4.740% | $105,000 | 44.0% |
| Lendage, LLC | 24 | 10.250% | $55,000 | 27.8% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 23 | 6.375% | $335,000 | 11.8% |
| EMM LOANS LLC | 23 | 6.750% | $295,000 | 14.3% |
| LENDSURE MORTGAGE CORP. | 23 | 7.500% | $385,000 | 3.3% |
| ITHINK FINANCIAL Credit Union | 23 | 7.500% | $105,000 | 4.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 22 | 6.250% | $345,000 | 25.7% |
| NBKC BANK | 22 | 6.500% | $425,000 | 12.0% |
| Liberty | 22 | 6.563% | $530,000 | 4.4% |
| TOWNE MORTGAGE COMPANY | 22 | 6.313% | $320,000 | 0.0% |
| VISTA POINT MORTGAGE, LLC | 21 | 6.990% | $355,000 | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 21 | 6.875% | $265,000 | 24.1% |
| Genesis Capital, LLC | 21 | 8.250% | $865,000 | 0.0% |
| Tomo Mortgage, LLC | 20 | 6.188% | $430,000 | 22.2% |
| ISERVE RESIDENTIAL LENDING, LLC | 20 | 6.563% | $210,000 | 0.0% |
| Charles Schwab Bank, SSB | 20 | 5.550% | $535,000 | 13.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 19 | 5.990% | $455,000 | 39.2% |
| 254900M2C4Q6DATP2889 | 19 | 6.125% | $265,000 | 32.1% |
| LONGBRIDGE FINANCIAL, LLC | 19 | 6.315% | $225,000 | 24.0% |
| Ixonia Bank | 19 | 6.625% | $295,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 18 | 10.053% | $330,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 18 | 6.875% | $285,000 | 14.3% |
| EMBRACE HOME LOANS, INC. | 18 | 6.563% | $435,000 | 5.3% |
| SELECT LENDING SERVICES LLC | 17 | 6.625% | $425,000 | 4.6% |
| American Momentum Bank | 17 | Not published | $275,000 | 22.7% |
| FIRST COLONY MORTGAGE CORPORATION | 17 | 6.624% | $305,000 | 12.5% |
| NexBank | 17 | 6.875% | $345,000 | 22.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 17 | 6.740% | $375,000 | 14.3% |
| POINT MORTGAGE CORPORATION | 17 | 7.125% | $305,000 | 5.3% |
| NATIONS DIRECT MORTGAGE, LLC | 17 | 6.500% | $425,000 | 19.1% |
| First Federal Bank | 17 | 6.125% | $405,000 | 15.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 17 | 6.500% | $185,000 | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 16 | 8.745% | $150,000 | 40.9% |
| Bethpage Federal Credit Union | 16 | 6.870% | $160,000 | 52.6% |
| Flagstar Bank, N.A. | 16 | 6.750% | $290,000 | 33.3% |
| Citibank, National Association | 16 | 6.750% | $345,000 | 5.6% |
| Luminate Bank | 16 | 6.438% | $280,000 | 0.0% |
| Cadence Bank | 16 | 7.000% | $250,000 | 5.6% |
| LENDINGONE, LLC | 15 | 9.870% | $295,000 | 65.9% |
| PHH Mortgage Corporation | 15 | 6.490% | $355,000 | 28.6% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.375% | $325,000 | 23.8% |
| AMERITRUST MORTGAGE CORPORATION | 15 | 6.990% | $445,000 | 16.7% |
| MICHIGAN MUTUAL, INC. | 15 | 6.875% | $305,000 | 16.7% |
| Capital City Home Loans, LLC | 15 | 6.875% | $325,000 | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 15 | 6.750% | $275,000 | 0.0% |
| Stifel Bank and Trust | 15 | 6.125% | $455,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 14 | 8.300% | $115,000 | 47.7% |
| ARC HOME LLC | 14 | 7.375% | $340,000 | 17.7% |
| AMERICAN FINANCING CORPORATION | 13 | 6.125% | $295,000 | 56.6% |
| ICE LENDER HOLDINGS LLC | 13 | 10.000% | $275,000 | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 13 | 6.125% | $305,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 13 | 6.250% | $355,000 | 26.3% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 13 | 10.750% | $265,000 | 0.0% |
| NEW FED MORTGAGE, CORP. | 13 | 6.990% | $315,000 | 0.0% |
| NMSI, INC. | 13 | 6.625% | $425,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 12 | 12.040% | $55,000 | 83.3% |
| MISSION LOANS, LLC | 12 | 7.188% | $105,000 | 12.5% |
| Logan Finance Corporation | 12 | 7.124% | $495,000 | 25.0% |
| Mortgage Right | 12 | 6.563% | $565,000 | 0.0% |
| The Huntington National Bank | 12 | 6.613% | $580,000 | 14.3% |
| RELIANCE FIRST CAPITAL, LLC | 12 | 7.120% | $200,000 | 7.7% |
| CONVENTUS LLC | 12 | 9.745% | $350,000 | 7.7% |
| Flagship Bank | 12 | Not published | $965,000 | 13.3% |
| KEYSTONE FUNDING, INC. | 12 | 6.558% | $465,000 | 0.0% |
| BMO Bank National Association | 11 | 6.875% | $645,000 | 46.2% |
| VYSTAR CREDIT UNION | 11 | 6.500% | $175,000 | 33.3% |
| TOLL BROTHERS MORTGAGE COMPANY | 11 | 6.490% | $455,000 | 4.8% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 11 | 10.250% | $445,000 | 20.0% |
| RPE Home, Inc | 11 | 11.050% | $285,000 | 15.4% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 591 lenders each made 11 or fewer mortgages here, and are counted in the totals above.
Bank branches in Pinellas County
236 FDIC-insured branches from 33 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
11 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- BankUnited, National Association, 2569 Countryside Blvd, Clearwater
- Cadence Bank, 36301 Us Highway 19 N, Palm Harbor
- Flagship Bank, 965 Central Ave, Saint Petersburg
- Synovus Bank, 1680 Gulf To Bay Blvd, Clearwater
- Synovus Bank, 32845 Us Highway 19 N, Palm Harbor
- Synovus Bank, 333 3rd Ave N, Saint Petersburg
- Synovus Bank, 4018 Tampa Rd, Oldsmar
- Synovus Bank, 5801 49th St N, Saint Petersburg
- Synovus Bank, 6500 Gulf Blvd, Saint Pete Beach
- Synovus Bank, 7490 Bryan Dairy Rd, Largo
- TD Bank, National Association, 2208 66th St N, Saint Petersburg
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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.