Home purchase lenders in Santa Rosa County
3,883 home purchase mortgages were made in Santa Rosa County, Florida, in 2025, by 340 lenders. The median rate their borrowers got was 6.250% on a median loan of $325,000. Of 4,597 decisions, 589 were denials — 12.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 467 | 4.750% | $325,000 | 19.3% |
| University Bank | 266 | 6.250% | $365,000 | 1.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 240 | 6.375% | $335,000 | 6.6% |
| Navy Federal Credit Union | 213 | 6.250% | $315,000 | 11.2% |
| LENNAR MORTGAGE, LLC | 198 | 4.500% | $295,000 | 10.8% |
| Mortgage Research Center, LLC | 152 | 6.250% | $355,000 | 8.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 132 | 6.500% | $345,000 | 2.2% |
| Rocket Mortgage, LLC | 117 | 6.490% | $285,000 | 10.5% |
| MOVEMENT MORTGAGE, LLC | 94 | 6.500% | $295,000 | 3.7% |
| CMG MORTGAGE, INC. | 73 | 6.000% | $355,000 | 5.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 73 | 6.500% | $335,000 | 1.4% |
| COASTAL LOANS, LLC | 73 | 4.990% | $355,000 | 1.3% |
| Fairway Independent Mortgage Corporation | 72 | 6.250% | $245,000 | 7.7% |
| GUILD MORTGAGE COMPANY | 69 | 6.250% | $285,000 | 5.1% |
| THE MORTGAGE FIRM, INC. | 66 | 6.750% | $285,000 | 2.7% |
| Regions Bank | 51 | 6.375% | $345,000 | 10.2% |
| Ameris Bank | 51 | 6.250% | $305,000 | 5.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 41 | 6.375% | $335,000 | 8.7% |
| GUARANTEED RATE AFFINITY, LLC | 36 | 6.250% | $315,000 | 0.0% |
| DSLD MORTGAGE, LLC | 34 | 5.990% | $345,000 | 8.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 34 | 6.438% | $250,000 | 0.0% |
| Synovus Bank | 33 | 6.375% | $225,000 | 8.3% |
| FBC MORTGAGE, LLC | 33 | 5.990% | $335,000 | 2.9% |
| GUARANTEED RATE, INC. | 31 | 6.375% | $345,000 | 3.1% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 6.000% | $365,000 | 11.4% |
| FREEDOM MORTGAGE CORPORATION | 31 | 5.990% | $385,000 | 8.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 29 | 8.990% | $125,000 | 69.8% |
| Pen Air Credit Union | 29 | 6.500% | $305,000 | 21.6% |
| Waterstone Mortgage Corporation | 26 | 6.563% | $370,000 | 3.7% |
| Broker Solutions, Inc. | 25 | 6.750% | $265,000 | 13.8% |
| NEWREZ LLC | 25 | 6.125% | $335,000 | 10.3% |
| 21st Mortgage Corporation | 24 | 9.285% | $145,000 | 71.6% |
| GARDNER FINANCIAL SERVICES, LTD. | 24 | 6.500% | $295,000 | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 22 | 7.563% | $315,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 22 | 5.995% | $380,000 | 0.0% |
| USAA Federal Savings Bank | 20 | 6.188% | $380,000 | 39.4% |
| Gulf Winds Credit Union | 20 | 6.250% | $270,000 | 20.0% |
| SouthState Bank, National Association | 20 | 6.250% | $200,000 | 9.1% |
| KIND LENDING, LLC | 18 | 6.375% | $340,000 | 10.0% |
| Kiavi Funding, Inc. | 17 | 10.240% | $225,000 | 10.0% |
| FIRST COLONY MORTGAGE CORPORATION | 16 | 6.250% | $315,000 | 5.6% |
| City National Bank of Florida | 16 | 6.125% | $225,000 | 5.9% |
| CANOPY MORTGAGE, LLC | 15 | 6.250% | $405,000 | 0.0% |
| Centennial Bank | 14 | 7.125% | $465,000 | 28.6% |
| JPMorgan Chase Bank, National Association | 14 | 6.370% | $275,000 | 12.5% |
| ZILLOW HOME LOANS, LLC | 14 | 6.688% | $295,000 | 6.7% |
| Paramount Residential Mortgage Group, Inc. | 14 | 6.250% | $455,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.375% | $305,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 14 | 6.313% | $290,000 | 0.0% |
| Cadence Bank | 14 | 6.375% | $325,000 | 6.7% |
| Renasant Bank | 14 | 6.500% | $455,000 | 0.0% |
| SUMMIT FUNDING, INC. | 13 | 6.375% | $335,000 | 23.5% |
| INSPIRE HOME LOANS INC. | 13 | 4.875% | $295,000 | 11.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 13 | 6.500% | $355,000 | 0.0% |
| NBKC BANK | 13 | 5.875% | $365,000 | 7.1% |
| DAS Acquisition Company, LLC | 12 | 6.688% | $200,000 | 6.3% |
| PENTAGON FEDERAL CREDIT UNION | 11 | 6.000% | $455,000 | 26.7% |
| Truist Bank | 11 | 6.625% | $405,000 | 15.4% |
| Trustmark National Bank | 11 | 6.125% | $535,000 | 21.4% |
| Loandepot.Com, LLC | 11 | 6.750% | $235,000 | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 11 | 6.490% | $305,000 | 7.7% |
| SOUTHWEST STAGE FUNDING, LLC | 10 | 6.250% | $200,000 | 25.0% |
| Wells Fargo Bank, National Association | 10 | 6.563% | $270,000 | 37.5% |
| Ixonia Bank | 10 | 6.563% | $300,000 | 0.0% |
| Eglin Credit Union | 10 | Not published | $225,000 | 0.0% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| MSA MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY BANK | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 16.7% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 23.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Manufacturers and Traders Trust Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Assurance Financial Group, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BankPlus | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HARVESTERS FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| United Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MORTGAGE ONE OF THE SOUTH, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 51.3% |
| Community Bank of Mississippi | 5 | Under 10 loans | Under 10 loans | 41.7% |
| ServisFirst Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GMFS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMETRUST MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SmartBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS FIRST CREDIT UNION OF FLORIDA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HANCOCK WHITNEY BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gulf Coast Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MIDFLORIDA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Core Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 22.2% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 2549005Z23HAAZ6QDM98 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Suncoast Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 140 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.