Mortgage lenders in St. Lucie County
10,303 mortgages were made in St. Lucie County, Florida, in 2025, by 583 lenders. The median rate their borrowers got was 6.500% on a median loan of $295,000. Of 15,507 decisions, 4,532 were denials — 29.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,309 | 6.389% | $335,000 | 18.5% |
| Rocket Mortgage, LLC | 791 | 6.625% | $235,000 | 20.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 469 | 6.750% | $315,000 | 6.1% |
| LENNAR MORTGAGE, LLC | 365 | 4.875% | $335,000 | 21.0% |
| Loandepot.Com, LLC | 294 | 5.813% | $315,000 | 40.1% |
| PENNYMAC LOAN SERVICES, LLC | 231 | 6.375% | $335,000 | 23.0% |
| MIDFLORIDA | 215 | 6.490% | $85,000 | 56.8% |
| PNC Bank, National Association | 186 | 7.440% | $105,000 | 44.2% |
| DHI MORTGAGE COMPANY, LTD. | 164 | 4.750% | $380,000 | 34.7% |
| Bank of America, National Association | 152 | 6.240% | $110,000 | 58.4% |
| NEWREZ LLC | 151 | 6.625% | $295,000 | 39.1% |
| Seacoast National Bank | 151 | 7.250% | $105,000 | 31.9% |
| FREEDOM MORTGAGE CORPORATION | 141 | 6.250% | $365,000 | 21.1% |
| Taylor Morrison Home Funding, Inc. | 125 | 5.875% | $405,000 | 23.8% |
| COASTAL LOANS, LLC | 125 | 4.990% | $425,000 | 6.0% |
| MATTAMY HOME FUNDING, LLC | 123 | 5.624% | $425,000 | 24.5% |
| GUARANTEED RATE, INC. | 118 | 6.625% | $295,000 | 9.0% |
| JPMorgan Chase Bank, National Association | 111 | 6.625% | $245,000 | 24.2% |
| GUILD MORTGAGE COMPANY | 110 | 6.500% | $325,000 | 3.3% |
| Navy Federal Credit Union | 108 | 7.795% | $125,000 | 39.3% |
| Paramount Residential Mortgage Group, Inc. | 107 | 6.500% | $325,000 | 8.5% |
| A&D Mortgage LLC | 99 | 6.990% | $285,000 | 8.3% |
| Mortgage Research Center, LLC | 98 | 6.250% | $385,000 | 40.0% |
| SPACE COAST CREDIT UNION | 94 | 6.125% | $95,000 | 43.2% |
| SouthState Bank, National Association | 90 | 6.863% | $220,000 | 25.0% |
| TD Bank, National Association | 86 | 7.700% | $115,000 | 46.3% |
| THE LOAN STORE, INC. | 86 | 7.125% | $305,000 | 19.8% |
| RMC HOME MORTGAGE, LLC | 82 | 6.490% | $445,000 | 9.9% |
| FBC MORTGAGE, LLC | 81 | 4.990% | $335,000 | 13.8% |
| Truist Bank | 76 | 6.613% | $145,000 | 56.5% |
| NQM FUNDING, LLC | 75 | 6.125% | $415,000 | 11.4% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 73 | 5.500% | $345,000 | 29.8% |
| NATIONSTAR MORTGAGE LLC | 69 | 8.250% | $85,000 | 23.2% |
| Citizens Bank, National Association | 68 | 7.400% | $205,000 | 27.7% |
| SPRING EQ, LLC | 67 | 9.325% | $75,000 | 67.1% |
| EVERETT FINANCIAL, INC. | 66 | 6.563% | $335,000 | 10.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 64 | 6.500% | $335,000 | 5.6% |
| Coastal Community Bank | 62 | 10.115% | $55,000 | 0.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 62 | 10.383% | $130,000 | 14.9% |
| Fairway Independent Mortgage Corporation | 60 | 6.750% | $345,000 | 6.1% |
| KIND LENDING, LLC | 56 | 6.750% | $380,000 | 37.8% |
| Broker Solutions, Inc. | 54 | 6.625% | $300,000 | 34.2% |
| FIGURE LENDING LLC | 53 | 8.950% | $65,000 | 34.2% |
| Kiavi Funding, Inc. | 52 | 10.000% | $245,000 | 13.1% |
| MOVEMENT MORTGAGE, LLC | 51 | 6.625% | $275,000 | 7.9% |
| UNION HOME MORTGAGE CORP. | 51 | 6.563% | $305,000 | 5.6% |
| PULTE MORTGAGE LLC | 50 | 6.625% | $385,000 | 13.6% |
| Third Federal Savings and Loan Association of Cleveland | 49 | 6.990% | $115,000 | 56.5% |
| NVR Mortgage Finance, Inc. | 49 | 5.990% | $335,000 | 15.5% |
| Wells Fargo Bank, National Association | 48 | 6.250% | $200,000 | 33.3% |
| CMG MORTGAGE, INC. | 44 | 6.875% | $335,000 | 10.5% |
| Plains Commerce Bank | 44 | 6.188% | $325,000 | 12.0% |
| CHAMPIONS FUNDING, LLC | 41 | 8.125% | $305,000 | 25.5% |
| HOMEXPRESS MORTGAGE CORP. | 40 | 7.625% | $290,000 | 31.0% |
| AmeriSave Mortgage Corporation | 39 | 7.375% | $85,000 | 75.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 39 | 7.499% | $305,000 | 14.9% |
| JMAC LENDING, INC. | 39 | 6.375% | $325,000 | 2.5% |
| GUARANTEED RATE AFFINITY, LLC | 38 | 6.600% | $255,000 | 13.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 37 | 6.490% | $175,000 | 15.6% |
| Cornerstone First Mortgage, Inc | 36 | 6.563% | $280,000 | 5.3% |
| Commerce Home Mortgage, Inc. | 36 | 8.625% | $310,000 | 17.8% |
| Capital Partner Mortgage Services | 36 | 6.125% | $340,000 | 5.3% |
| U.S. Bank National Association | 35 | 7.125% | $315,000 | 56.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 35 | 6.875% | $325,000 | 32.1% |
| LAKEVIEW LOAN SERVICING, LLC | 34 | 6.938% | $225,000 | 69.1% |
| Fifth Third Bank, National Association | 33 | 7.740% | $155,000 | 52.6% |
| OCMBC, INC. | 33 | 7.250% | $285,000 | 9.3% |
| Lendage, LLC | 33 | 11.500% | $55,000 | 19.1% |
| THE MORTGAGE FIRM, INC. | 33 | 6.625% | $325,000 | 15.0% |
| PLAZA HOME MORTGAGE, INC. | 32 | 7.058% | $305,000 | 50.0% |
| PLANET HOME LENDING, LLC | 32 | 6.250% | $305,000 | 32.7% |
| T2 FINANCIAL LLC | 32 | 6.688% | $325,000 | 5.4% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 31 | 6.375% | $345,000 | 0.0% |
| ITHINK FINANCIAL Credit Union | 30 | 8.000% | $105,000 | 55.2% |
| ZILLOW HOME LOANS, LLC | 30 | 6.625% | $270,000 | 6.3% |
| Equity Prime Mortgage LLC | 29 | 6.625% | $365,000 | 14.7% |
| GENEVA FINANCIAL, LLC | 29 | 6.750% | $295,000 | 3.3% |
| Hometown Equity Mortgage, LLC | 28 | 7.500% | $290,000 | 46.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 27 | 6.625% | $285,000 | 12.9% |
| Click n' Close, Inc. | 26 | 7.058% | $320,000 | 10.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 25 | 5.750% | $385,000 | 30.6% |
| BUILDERS CHOICE MORTGAGE LLC | 25 | 6.625% | $375,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 24 | 6.375% | $250,000 | 3.9% |
| USAA Federal Savings Bank | 23 | 6.250% | $345,000 | 23.3% |
| Citadel Servicing Corporation | 22 | 8.125% | $300,000 | 6.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 7.124% | $305,000 | 60.0% |
| 21st Mortgage Corporation | 21 | 10.840% | $65,000 | 72.0% |
| Flagstar Bank, N.A. | 21 | 6.344% | $285,000 | 48.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 21 | 6.249% | $335,000 | 21.6% |
| EMM LOANS LLC | 21 | 6.500% | $265,000 | 22.2% |
| BAY EQUITY LLC | 20 | 5.990% | $390,000 | 16.7% |
| BETTER MORTGAGE CORPORATION | 19 | 7.000% | $245,000 | 47.4% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 19 | 6.490% | $375,000 | 0.0% |
| Discover Bank | 18 | 8.250% | $70,000 | 87.0% |
| GoodLeap, LLC | 18 | 6.000% | $200,000 | 37.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 18 | 6.990% | $305,000 | 30.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 18 | 6.250% | $270,000 | 19.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 18 | 6.500% | $370,000 | 18.2% |
| AMWEST FUNDING CORP. | 18 | 7.063% | $265,000 | 10.0% |
| PENTAGON FEDERAL CREDIT UNION | 17 | 7.375% | $185,000 | 52.6% |
| PHH Mortgage Corporation | 17 | 5.990% | $355,000 | 18.2% |
| DEEPHAVEN MORTGAGE LLC | 17 | 7.250% | $325,000 | 41.4% |
| SWBC MORTGAGE CORPORATION | 17 | 6.500% | $355,000 | 14.3% |
| Sierra Pacific Mortgage Company, Inc. | 16 | 6.750% | $305,000 | 23.8% |
| LOWER, LLC | 15 | 6.625% | $295,000 | 40.7% |
| FINANCE OF AMERICA REVERSE LLC | 15 | 6.375% | $185,000 | 6.3% |
| NFM, INC. | 15 | 6.500% | $295,000 | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 15 | 6.875% | $305,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 14 | 6.990% | $315,000 | 62.5% |
| TRIAD FINANCIAL SERVICES, INC. | 14 | 9.595% | $75,000 | 40.4% |
| Filo Mortgage, L.L.C. | 14 | 6.438% | $325,000 | 11.1% |
| VELOCITY COMMUNITY Federal Credit Union | 14 | Not published | $70,000 | 44.0% |
| LONGBRIDGE FINANCIAL, LLC | 14 | 5.875% | $170,000 | 16.7% |
| Luminate Bank | 14 | 7.625% | $405,000 | 16.7% |
| INSPIRE HOME LOANS INC. | 14 | 4.875% | $315,000 | 11.8% |
| CASTLE & COOKE MORTGAGE, LLC | 14 | 6.370% | $325,000 | 0.0% |
| GOLD COAST FEDERAL CREDIT UNION | 14 | 6.450% | $75,000 | 21.1% |
| Northpointe Bank | 14 | 7.183% | $335,000 | 12.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 7.125% | $175,000 | 44.0% |
| Regions Bank | 13 | 6.500% | $325,000 | 60.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 6.625% | $295,000 | 38.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.000% | $305,000 | 0.0% |
| LoanUnited.com, LLC | 12 | 6.188% | $375,000 | 14.3% |
| Logan Finance Corporation | 12 | 7.499% | $380,000 | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.438% | $305,000 | 23.5% |
| STG MORTGAGE INC | 12 | 6.375% | $350,000 | 14.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 9.865% | $185,000 | 0.0% |
| NEXERA HOLDING LLC | 11 | 7.750% | $295,000 | 21.4% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 11 | 6.875% | $265,000 | 0.0% |
| TrustCo Bank | 10 | 6.250% | $175,000 | 44.4% |
| GENWAY HOME MORTGAGE, INC. | 10 | 7.375% | $300,000 | 35.3% |
| TOLL BROTHERS MORTGAGE COMPANY | 10 | 6.875% | $430,000 | 7.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 10 | 10.625% | $300,000 | 9.1% |
| Marine Bank & Trust Company | 10 | Not published | $330,000 | 9.1% |
| ROYAL UNITED MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 30.8% |
| Valon Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 52.9% |
| 254900CTT87ZKAUTIJ37 | 8 | Under 10 loans | Under 10 loans | 30.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 8 | Under 10 loans | Under 10 loans | 38.5% |
| SOUTH RIVER MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 8 | Under 10 loans | Under 10 loans | 8.3% |
| TOTAL MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGEONE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| VISTA POINT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| VAN DYK MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 8 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 7 | Under 10 loans | Under 10 loans | 65.0% |
| MISSION LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| BrightStar Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TROPICAL FINANCIAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| EMBRACE HOME LOANS, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MORTGAGE EQUITY PARTNERS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Easy Street Capital, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Mid-Continent Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| BAYSHORE MORTGAGE FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| RIGHT START MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| RPE Home, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 65.5% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 66.7% |
| INTELLILOAN, INC. | 5 | Under 10 loans | Under 10 loans | 22.2% |
| Publix Employees Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Synovus Bank | 5 | Under 10 loans | Under 10 loans | 53.8% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Horizon Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HIGHTECHLENDING INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Home Mortgage Alliance Corporation (HMAC) | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Guardians Credit Union | 4 | Under 10 loans | Under 10 loans | 55.6% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 383 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in St. Lucie County
42 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| PNC Bank, National Association | 9 | $829.1 million |
| Seacoast National Bank | 5 | $856.5 million |
| Wells Fargo Bank, National Association | 5 | $651.2 million |
| TD Bank, National Association | 4 | $912.3 million |
| JPMorgan Chase Bank, National Association | 4 | $749.5 million |
| Bank of America, National Association | 4 | $726.1 million |
| Truist Bank | 4 | $495.4 million |
| SouthState Bank, National Association | 3 | $620.3 million |
| Pinnacle Bank | 2 | $119.3 million |
| Flagstar Bank, National Association | 1 | $106.2 million |
| Fifth Third Bank, National Association | 1 | $81.3 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Marine Bank & Trust Company, 603 N Indian River Dr, Fort Pierce
- Synovus Bank, 1301 Se Port Saint Lucie Blvd, Port Saint Lucie
- Synovus Bank, 2500 Virginia Ave, Fort Pierce
Get told when this changes
When the next year’s lending figures are out for St. Lucie County, or a lender arrives or leaves.
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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.