Home purchase lenders in Sarasota County
7,681 home purchase mortgages were made in Sarasota County, Florida, in 2025, by 638 lenders. The median rate their borrowers got was 6.500% on a median loan of $325,000. Of 9,051 decisions, 1,127 were denials — 12.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 670 | 6.500% | $325,000 | 14.0% |
| Taylor Morrison Home Funding, Inc. | 311 | 5.625% | $375,000 | 24.5% |
| PULTE MORTGAGE LLC | 265 | 5.500% | $375,000 | 8.3% |
| Rocket Mortgage, LLC | 262 | 6.625% | $315,000 | 19.0% |
| LENNAR MORTGAGE, LLC | 215 | 6.625% | $275,000 | 14.3% |
| NEAL COMMUNITIES FUNDING, LLC | 210 | 6.125% | $415,000 | 8.3% |
| Loandepot.Com, LLC | 207 | 4.990% | $345,000 | 18.1% |
| PENNYMAC LOAN SERVICES, LLC | 184 | 6.500% | $400,000 | 11.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 152 | 6.875% | $345,000 | 5.0% |
| THE MORTGAGE FIRM, INC. | 150 | 6.875% | $285,000 | 1.8% |
| JPMorgan Chase Bank, National Association | 121 | 6.500% | $325,000 | 14.8% |
| GUARANTEED RATE AFFINITY, LLC | 107 | 6.750% | $315,000 | 7.0% |
| CMG MORTGAGE, INC. | 105 | 6.500% | $345,000 | 4.2% |
| SouthState Bank, National Association | 98 | 6.500% | $290,000 | 11.7% |
| MATTAMY HOME FUNDING, LLC | 94 | 5.625% | $295,000 | 6.0% |
| Mortgage Research Center, LLC | 93 | 6.250% | $335,000 | 8.8% |
| M/I FINANCIAL, LLC | 92 | 5.875% | $425,000 | 0.8% |
| Suncoast Credit Union | 90 | 5.500% | $290,000 | 10.0% |
| GUILD MORTGAGE COMPANY | 89 | 6.500% | $265,000 | 8.5% |
| THE LOAN STORE, INC. | 81 | 6.875% | $305,000 | 10.0% |
| NEWREZ LLC | 77 | 6.750% | $335,000 | 14.3% |
| U.S. Bank National Association | 77 | 6.375% | $485,000 | 9.4% |
| Wells Fargo Bank, National Association | 72 | 6.375% | $325,000 | 16.3% |
| Fairway Independent Mortgage Corporation | 69 | 6.933% | $325,000 | 9.1% |
| Kiavi Funding, Inc. | 68 | 10.990% | $235,000 | 14.6% |
| Bank of America, National Association | 65 | 6.250% | $345,000 | 27.0% |
| MOVEMENT MORTGAGE, LLC | 63 | 6.750% | $295,000 | 5.5% |
| T2 FINANCIAL LLC | 63 | 7.125% | $335,000 | 5.9% |
| EVERETT FINANCIAL, INC. | 62 | 6.625% | $280,000 | 12.3% |
| TOLL BROTHERS MORTGAGE COMPANY | 60 | 6.433% | $425,000 | 10.4% |
| FBC MORTGAGE, LLC | 59 | 5.875% | $455,000 | 0.0% |
| NFM, INC. | 57 | 6.250% | $345,000 | 10.9% |
| Broker Solutions, Inc. | 56 | 6.750% | $295,000 | 1.8% |
| ZILLOW HOME LOANS, LLC | 53 | 6.625% | $285,000 | 5.2% |
| Fifth Third Bank, National Association | 51 | 6.750% | $345,000 | 25.7% |
| GUARANTEED RATE, INC. | 51 | 6.750% | $355,000 | 5.6% |
| Regions Bank | 49 | 6.125% | $455,000 | 13.1% |
| CHAMPIONS FUNDING, LLC | 46 | 7.625% | $305,000 | 21.7% |
| Truist Bank | 46 | 6.490% | $335,000 | 18.6% |
| Navy Federal Credit Union | 44 | 6.063% | $345,000 | 15.4% |
| JMAC LENDING, INC. | 44 | 6.625% | $335,000 | 2.2% |
| Paramount Residential Mortgage Group, Inc. | 41 | 6.625% | $305,000 | 6.8% |
| Luminate Bank | 41 | 7.125% | $305,000 | 8.9% |
| A&D Mortgage LLC | 41 | 6.875% | $295,000 | 4.6% |
| LOWER, LLC | 41 | 6.500% | $275,000 | 6.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 41 | 6.875% | $285,000 | 6.8% |
| Cornerstone First Mortgage, Inc | 40 | 6.563% | $305,000 | 9.1% |
| COASTAL LOANS, LLC | 40 | 4.990% | $315,000 | 4.8% |
| PANORAMA MORTGAGE GROUP, LLC | 40 | 6.313% | $305,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 39 | 6.750% | $305,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 37 | 6.500% | $355,000 | 9.8% |
| FAIRWAY FUNDING GROUP, INC. | 37 | 6.750% | $305,000 | 2.6% |
| Northpointe Bank | 36 | 7.128% | $410,000 | 2.7% |
| TrustCo Bank | 36 | 6.375% | $320,000 | 0.0% |
| KIND LENDING, LLC | 34 | 6.688% | $380,000 | 27.7% |
| LAKE MICHIGAN CREDIT UNION | 34 | 6.370% | $455,000 | 2.8% |
| Morgan Stanley Private Bank, National Association | 32 | 5.963% | $680,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 31 | 6.540% | $245,000 | 14.3% |
| Plains Commerce Bank | 31 | 6.500% | $275,000 | 8.8% |
| Cogent Bank | 31 | Not published | $385,000 | 8.6% |
| Commerce Home Mortgage, Inc. | 27 | 7.625% | $395,000 | 3.6% |
| DHI MORTGAGE COMPANY, LTD. | 27 | 4.990% | $265,000 | 18.2% |
| AMWEST FUNDING CORP. | 26 | 6.938% | $295,000 | 3.7% |
| INSPIRE HOME LOANS INC. | 25 | 4.875% | $275,000 | 19.4% |
| GERSHMAN INVESTMENT CORP. | 25 | 6.500% | $275,000 | 10.7% |
| PNC Bank, National Association | 24 | 6.375% | $480,000 | 20.0% |
| ACHIEVA CREDIT UNION | 24 | 5.938% | $295,000 | 22.6% |
| Ixonia Bank | 24 | 6.688% | $315,000 | 4.0% |
| RMC HOME MORTGAGE, LLC | 22 | 6.625% | $315,000 | 15.4% |
| Mortgage Right | 22 | 6.625% | $305,000 | 8.3% |
| Crews Bank & Trust | 22 | Not published | $345,000 | 7.7% |
| DEEPHAVEN MORTGAGE LLC | 22 | 7.313% | $240,000 | 21.4% |
| OCMBC, INC. | 21 | 7.250% | $345,000 | 18.8% |
| USAA Federal Savings Bank | 21 | 6.125% | $335,000 | 22.2% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.250% | $325,000 | 12.5% |
| First Horizon Bank | 21 | 6.500% | $425,000 | 8.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 20 | 6.563% | $305,000 | 9.1% |
| VAN DYK MORTGAGE CORPORATION | 20 | 6.875% | $335,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 19 | 6.875% | $255,000 | 5.0% |
| Charles Schwab Bank, SSB | 19 | 5.500% | $805,000 | 13.6% |
| MIDFLORIDA | 18 | 6.375% | $310,000 | 21.7% |
| SUCCESS MORTGAGE PARTNERS, INC. | 18 | 6.500% | $320,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 17 | 6.750% | $345,000 | 22.7% |
| CALCON MUTUAL MORTGAGE LLC | 17 | 6.875% | $305,000 | 5.6% |
| The Huntington National Bank | 17 | 6.500% | $365,000 | 15.0% |
| RESICENTRAL, LLC | 17 | 6.375% | $365,000 | 5.6% |
| PLAZA HOME MORTGAGE, INC. | 16 | 7.000% | $265,000 | 36.0% |
| Citizens Bank, National Association | 16 | 7.013% | $425,000 | 27.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 16 | 6.375% | $385,000 | 5.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 16 | 6.625% | $350,000 | 15.0% |
| DOMINION FINANCIAL SERVICES, LLC | 16 | 8.000% | $150,000 | 0.0% |
| Filo Mortgage, L.L.C. | 15 | 6.990% | $335,000 | 10.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 15 | 7.499% | $335,000 | 20.0% |
| Citadel Servicing Corporation | 15 | 7.125% | $225,000 | 5.0% |
| Click n' Close, Inc. | 14 | 6.750% | $250,000 | 33.3% |
| Prosperity Home Mortgage, LLC | 14 | 6.625% | $265,000 | 12.5% |
| Liberty | 14 | 6.750% | $460,000 | 6.7% |
| RBC Bank, (Georgia) National Association | 14 | 5.500% | $355,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 14 | 6.990% | $355,000 | 6.7% |
| The Federal Savings Bank | 13 | 6.625% | $285,000 | 13.3% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 7.500% | $295,000 | 30.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.875% | $295,000 | 17.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 13 | 6.990% | $305,000 | 13.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.625% | $455,000 | 7.1% |
| Bell Bank | 13 | 6.375% | $375,000 | 0.0% |
| First Heritage Mortgage, LLC | 13 | 6.250% | $285,000 | 0.0% |
| Tomo Mortgage, LLC | 12 | 6.500% | $300,000 | 7.1% |
| HANCOCK WHITNEY BANK | 12 | 6.813% | $735,000 | 13.3% |
| Hometown Equity Mortgage, LLC | 12 | 7.500% | $285,000 | 33.3% |
| Equity Prime Mortgage LLC | 12 | 6.625% | $325,000 | 0.0% |
| NBKC BANK | 12 | 6.625% | $450,000 | 0.0% |
| GRACE HOME LENDING, LLC | 12 | 3.990% | $405,000 | 0.0% |
| UBS Bank USA | 12 | 6.188% | $715,000 | 0.0% |
| TD Bank, National Association | 11 | 7.000% | $245,000 | 26.7% |
| PENTAGON FEDERAL CREDIT UNION | 11 | 6.000% | $385,000 | 26.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.750% | $335,000 | 15.4% |
| Seacoast National Bank | 11 | 7.000% | $375,000 | 26.7% |
| Centennial Bank | 11 | 7.375% | $285,000 | 8.3% |
| Flagstar Bank, N.A. | 11 | 6.798% | $245,000 | 21.4% |
| NQM FUNDING, LLC | 11 | 7.374% | $385,000 | 26.7% |
| The Dart Bank | 11 | 6.750% | $425,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 10 | 7.250% | $360,000 | 6.7% |
| Synergy One Lending, Inc. | 10 | 6.875% | $320,000 | 28.6% |
| BMO Bank National Association | 10 | 6.313% | $300,000 | 33.3% |
| 254900CTT87ZKAUTIJ37 | 10 | 9.750% | $375,000 | 16.7% |
| GTE Federal Credit Union | 10 | 5.750% | $240,000 | 9.1% |
| First National Bank of Pennsylvania | 10 | 6.495% | $560,000 | 16.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 10 | 6.683% | $305,000 | 16.7% |
| SELECT LENDING SERVICES LLC | 10 | 6.500% | $310,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Citibank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Raymond James Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 8 | Under 10 loans | Under 10 loans | 16.7% |
| STG MORTGAGE INC | 8 | Under 10 loans | Under 10 loans | 16.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 15.4% |
| Union Savings Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Logan Finance Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| FlexPoint, Inc. | 7 | Under 10 loans | Under 10 loans | 9.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Valley National Bank | 7 | Under 10 loans | Under 10 loans | 20.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| The Bank of Tampa | 7 | Under 10 loans | Under 10 loans | 11.1% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| EMBRACE HOME LOANS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SPACE COAST CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 63.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 12.5% |
| American Momentum Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NORTHPOINT MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| JET HOMELOANS, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FOUNDATION MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 12.5% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cadence Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| POINT MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUMMIT FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOME ACCESS FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 5 | 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 438 lenders each made 5 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.