Home purchase lenders in Seminole County
5,047 home purchase mortgages were made in Seminole County, Florida, in 2025, by 446 lenders. The median rate their borrowers got was 6.500% on a median loan of $355,000. Of 5,946 decisions, 727 were denials — 12.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 770 | 6.500% | $355,000 | 10.0% |
| Rocket Mortgage, LLC | 222 | 6.500% | $365,000 | 13.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 178 | 6.625% | $385,000 | 4.8% |
| PULTE MORTGAGE LLC | 123 | 5.000% | $325,000 | 17.5% |
| PENNYMAC LOAN SERVICES, LLC | 117 | 6.499% | $415,000 | 10.7% |
| THE MORTGAGE FIRM, INC. | 117 | 6.624% | $335,000 | 3.2% |
| FBC MORTGAGE, LLC | 106 | 6.750% | $360,000 | 5.4% |
| DHI MORTGAGE COMPANY, LTD. | 104 | 5.250% | $405,000 | 11.8% |
| M/I FINANCIAL, LLC | 84 | 6.000% | $565,000 | 0.0% |
| Navy Federal Credit Union | 78 | 6.250% | $370,000 | 14.3% |
| FAIRWINDS CREDIT UNION | 78 | 6.375% | $355,000 | 13.3% |
| Plains Commerce Bank | 71 | 6.625% | $375,000 | 4.0% |
| Waterstone Mortgage Corporation | 68 | 6.433% | $305,000 | 5.6% |
| Mortgage Research Center, LLC | 63 | 6.250% | $405,000 | 14.7% |
| Broker Solutions, Inc. | 63 | 6.750% | $335,000 | 5.9% |
| KBHS HOME LOANS, LLC | 61 | 6.125% | $425,000 | 4.7% |
| MOVEMENT MORTGAGE, LLC | 60 | 6.812% | $310,000 | 2.7% |
| JPMorgan Chase Bank, National Association | 59 | 6.250% | $365,000 | 14.1% |
| Fairway Independent Mortgage Corporation | 59 | 6.490% | $355,000 | 7.8% |
| Wells Fargo Bank, National Association | 57 | 6.125% | $345,000 | 19.7% |
| Bank of America, National Association | 53 | 6.000% | $315,000 | 27.4% |
| TRAILBLAZER MORTGAGE L.L.C. | 52 | 3.990% | $425,000 | 3.7% |
| KIND LENDING, LLC | 52 | 6.500% | $375,000 | 21.7% |
| THE LOAN STORE, INC. | 51 | 6.490% | $315,000 | 4.9% |
| Truist Bank | 50 | 6.375% | $445,000 | 15.0% |
| MORTGAGE EQUITY PARTNERS LLC | 50 | 6.500% | $305,000 | 12.3% |
| ALKAN MORTGAGE CORPORATION | 48 | 6.750% | $370,000 | 0.0% |
| GUARANTEED RATE, INC. | 47 | 6.625% | $365,000 | 11.3% |
| GUARANTEED RATE AFFINITY, LLC | 46 | 6.495% | $365,000 | 0.0% |
| CMG MORTGAGE, INC. | 44 | 6.490% | $350,000 | 7.8% |
| MATTAMY HOME FUNDING, LLC | 42 | 5.500% | $335,000 | 8.7% |
| UNION HOME MORTGAGE CORP. | 41 | 6.250% | $375,000 | 6.3% |
| Kiavi Funding, Inc. | 41 | 10.700% | $345,000 | 12.2% |
| FREEDOM MORTGAGE CORPORATION | 39 | 6.375% | $365,000 | 15.2% |
| A&D Mortgage LLC | 38 | 6.875% | $345,000 | 9.5% |
| ZILLOW HOME LOANS, LLC | 37 | 6.490% | $335,000 | 0.0% |
| SouthState Bank, National Association | 36 | 6.613% | $350,000 | 20.0% |
| Regions Bank | 35 | 6.500% | $465,000 | 16.3% |
| Paramount Residential Mortgage Group, Inc. | 35 | 6.625% | $325,000 | 5.4% |
| TOLL BROTHERS MORTGAGE COMPANY | 34 | 6.375% | $570,000 | 10.9% |
| NEWREZ LLC | 32 | 6.375% | $320,000 | 13.5% |
| JMAC LENDING, INC. | 31 | 6.490% | $345,000 | 0.0% |
| Ixonia Bank | 28 | 6.750% | $345,000 | 9.7% |
| GUILD MORTGAGE COMPANY | 27 | 6.625% | $285,000 | 3.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 26 | 6.625% | $390,000 | 6.1% |
| RESICENTRAL, LLC | 26 | 6.188% | $410,000 | 3.7% |
| Loandepot.Com, LLC | 22 | 6.600% | $300,000 | 4.2% |
| Fifth Third Bank, National Association | 21 | 6.375% | $365,000 | 32.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 21 | 6.625% | $355,000 | 8.7% |
| Commerce Home Mortgage, Inc. | 21 | 8.375% | $355,000 | 8.7% |
| First Horizon Bank | 21 | 6.375% | $295,000 | 0.0% |
| 212 LOANS, LLC. | 21 | 11.990% | $225,000 | 0.0% |
| ADDITION FINANCIAL | 20 | 6.125% | $405,000 | 4.2% |
| LOWER, LLC | 20 | 6.625% | $305,000 | 9.1% |
| Seacoast National Bank | 19 | 6.625% | $405,000 | 16.7% |
| AMWEST FUNDING CORP. | 19 | 6.625% | $245,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 19 | 6.875% | $305,000 | 0.0% |
| Luminate Bank | 19 | 6.624% | $435,000 | 0.0% |
| PNC Bank, National Association | 18 | 6.438% | $325,000 | 30.8% |
| NextMortgage, LLC | 18 | 6.750% | $220,000 | 18.2% |
| Flagstar Bank, N.A. | 18 | 6.688% | $370,000 | 25.0% |
| TrustCo Bank | 17 | 6.375% | $385,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 17 | 6.625% | $365,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 17 | 6.500% | $385,000 | 17.4% |
| Click n' Close, Inc. | 17 | 7.125% | $255,000 | 10.0% |
| U.S. Bank National Association | 17 | 6.750% | $355,000 | 22.7% |
| SPACE COAST CREDIT UNION | 16 | 6.125% | $390,000 | 10.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 16 | 6.625% | $320,000 | 15.8% |
| NORTHPOINT MORTGAGE, INC. | 16 | 6.625% | $350,000 | 0.0% |
| NFM, INC. | 16 | 6.625% | $320,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 16 | 6.933% | $335,000 | 5.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 15 | 6.500% | $395,000 | 5.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 15 | 6.625% | $365,000 | 5.9% |
| PLAZA HOME MORTGAGE, INC. | 14 | 6.490% | $315,000 | 44.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 14 | 6.808% | $335,000 | 17.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 14 | 9.750% | $270,000 | 0.0% |
| Equity Prime Mortgage LLC | 13 | 6.250% | $315,000 | 23.5% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 7.125% | $215,000 | 40.9% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 13 | 6.490% | $375,000 | 0.0% |
| OCMBC, INC. | 12 | 7.125% | $325,000 | 17.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 12 | 7.312% | $280,000 | 14.3% |
| 254900HL2VMAYA3J5494 | 12 | 7.188% | $510,000 | 7.1% |
| STG MORTGAGE INC | 12 | 6.438% | $370,000 | 7.7% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 12 | 6.688% | $300,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 8.490% | $75,000 | 60.3% |
| USAA Federal Savings Bank | 11 | 6.500% | $365,000 | 35.3% |
| MIDFLORIDA | 11 | 6.125% | $425,000 | 40.0% |
| Tomo Mortgage, LLC | 11 | 6.250% | $415,000 | 15.4% |
| CLEAREDGE LENDING LLC | 11 | 6.999% | $295,000 | 15.4% |
| First Federal Bank | 11 | 6.250% | $345,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.375% | $375,000 | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 11 | 6.500% | $365,000 | 0.0% |
| PARTNERS Federal Credit Union | 11 | 5.990% | $295,000 | 0.0% |
| Bell Bank | 11 | 6.125% | $405,000 | 0.0% |
| NBKC BANK | 10 | 6.688% | $360,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 10 | 7.313% | $270,000 | 28.6% |
| LEADERONE FINANCIAL CORPORATION | 10 | 6.563% | $375,000 | 16.7% |
| EMBRACE HOME LOANS, INC. | 10 | 6.433% | $380,000 | 8.3% |
| T2 FINANCIAL LLC | 10 | 6.813% | $365,000 | 0.0% |
| BAY EQUITY LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 79.6% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| One Florida Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 53.3% |
| Suncoast Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Sierra Pacific Mortgage Company, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First National Bank of Pennsylvania | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| VYSTAR CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 11.1% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 10.0% |
| Florida Capital Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cogent Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SECURITYNATIONAL MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Mortgage Right | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWAY FUNDING GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RMC HOME MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Partner Mortgage Services | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 80.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | 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 246 lenders each made 2 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.