Mortgage lenders in Bay County
6,005 mortgages were made in Bay County, Florida, in 2025, by 523 lenders. The median rate their borrowers got was 6.500% on a median loan of $275,000. Of 8,376 decisions, 1,993 were denials — 23.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 532 | 4.750% | $325,000 | 14.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 416 | 6.125% | $295,000 | 16.7% |
| Rocket Mortgage, LLC | 393 | 6.625% | $225,000 | 19.8% |
| Tyndall Federal Credit Union | 322 | 6.625% | $95,000 | 25.8% |
| Trustmark National Bank | 233 | 6.625% | $205,000 | 9.0% |
| Regions Bank | 169 | 5.750% | $175,000 | 42.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 166 | 6.625% | $280,000 | 6.7% |
| FBC MORTGAGE, LLC | 139 | 6.375% | $365,000 | 1.4% |
| Mortgage Research Center, LLC | 138 | 6.250% | $315,000 | 30.2% |
| Navy Federal Credit Union | 135 | 6.625% | $225,000 | 24.3% |
| Centennial Bank | 99 | 6.625% | $275,000 | 24.8% |
| Wells Fargo Bank, National Association | 98 | 6.188% | $360,000 | 10.9% |
| Innovations Financial Credit Union | 90 | Not published | $105,000 | 16.7% |
| NEWREZ LLC | 78 | 6.813% | $290,000 | 33.6% |
| LENDSURE MORTGAGE CORP. | 78 | 7.500% | $260,000 | 0.0% |
| Cadence Bank | 77 | 6.875% | $345,000 | 15.6% |
| GUILD MORTGAGE COMPANY | 74 | 6.375% | $210,000 | 9.0% |
| Community Bank of Mississippi | 69 | 7.000% | $325,000 | 5.3% |
| FREEDOM MORTGAGE CORPORATION | 67 | 6.250% | $295,000 | 15.0% |
| PENNYMAC LOAN SERVICES, LLC | 66 | 6.125% | $285,000 | 26.1% |
| 21st Mortgage Corporation | 51 | 8.910% | $165,000 | 71.4% |
| Ameris Bank | 44 | 6.933% | $260,000 | 20.0% |
| Northpointe Bank | 43 | 7.500% | $285,000 | 8.2% |
| Loandepot.Com, LLC | 42 | 6.813% | $170,000 | 37.1% |
| Panhandle Credit Union | 42 | Not published | $170,000 | 13.2% |
| THE LOAN STORE, INC. | 41 | 7.125% | $295,000 | 24.6% |
| Truist Bank | 40 | 6.825% | $105,000 | 47.4% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 39 | 6.375% | $275,000 | 13.3% |
| Broker Solutions, Inc. | 38 | 6.495% | $315,000 | 27.8% |
| T2 FINANCIAL LLC | 37 | 6.250% | $255,000 | 14.6% |
| GUARANTEED RATE AFFINITY, LLC | 36 | 6.500% | $260,000 | 21.7% |
| CMG MORTGAGE, INC. | 35 | 6.990% | $315,000 | 10.9% |
| NATIONSTAR MORTGAGE LLC | 35 | 8.375% | $105,000 | 19.6% |
| VICTORY MORTGAGE, L.L.C. | 35 | 5.875% | $455,000 | 10.3% |
| TOWNE MORTGAGE COMPANY | 35 | 6.000% | $245,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 34 | 6.625% | $330,000 | 10.5% |
| POINT MORTGAGE CORPORATION | 34 | 6.625% | $295,000 | 0.0% |
| Capital City Home Loans, LLC | 32 | 6.688% | $330,000 | 3.0% |
| GUARANTEED RATE, INC. | 29 | 6.550% | $245,000 | 8.6% |
| HANCOCK WHITNEY BANK | 28 | 6.750% | $150,000 | 32.6% |
| Renasant Bank | 28 | 7.375% | $295,000 | 9.1% |
| PeoplesSouth Bank | 27 | 7.500% | $275,000 | 0.0% |
| INSPIRE HOME LOANS INC. | 25 | 4.875% | $295,000 | 11.8% |
| TOLL BROTHERS MORTGAGE COMPANY | 25 | 5.990% | $505,000 | 6.1% |
| SmartBank | 25 | 7.000% | $265,000 | 3.5% |
| LAKEVIEW LOAN SERVICING, LLC | 24 | 6.125% | $320,000 | 52.6% |
| MOVEMENT MORTGAGE, LLC | 24 | 6.875% | $335,000 | 14.3% |
| KIND LENDING, LLC | 24 | 6.688% | $280,000 | 35.9% |
| FIGURE LENDING LLC | 23 | 7.950% | $65,000 | 40.4% |
| ServisFirst Bank | 23 | 7.125% | $315,000 | 8.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 23 | 6.625% | $245,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 22 | 7.120% | $335,000 | 73.7% |
| U.S. Bank National Association | 22 | 6.875% | $270,000 | 47.8% |
| USAA Federal Savings Bank | 22 | 6.375% | $330,000 | 33.3% |
| Kiavi Funding, Inc. | 21 | 11.200% | $165,000 | 8.7% |
| EVERETT FINANCIAL, INC. | 20 | 6.563% | $220,000 | 4.8% |
| Waterstone Mortgage Corporation | 20 | 6.188% | $350,000 | 4.8% |
| Coastal Community Bank | 19 | 8.740% | $65,000 | 2.9% |
| NEW DAY FINANCIAL, LLC | 19 | 6.990% | $265,000 | 40.0% |
| Equity Prime Mortgage LLC | 19 | 6.875% | $185,000 | 4.8% |
| BankPlus | 19 | 6.375% | $255,000 | 13.6% |
| First Federal Bank | 19 | 6.375% | $395,000 | 17.4% |
| NFM, INC. | 19 | 6.750% | $265,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 19 | 6.625% | $295,000 | 5.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 18 | 7.499% | $250,000 | 21.7% |
| AMERICAN HERITAGE LENDING, LLC | 18 | 7.375% | $215,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 17 | 7.250% | $395,000 | 32.0% |
| A&D Mortgage LLC | 17 | 6.990% | $225,000 | 15.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.374% | $255,000 | 50.0% |
| JPMorgan Chase Bank, National Association | 16 | 6.875% | $360,000 | 11.1% |
| Bank of England | 15 | 6.750% | $245,000 | 11.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 14 | 5.870% | $345,000 | 24.1% |
| OCMBC, INC. | 14 | 6.999% | $205,000 | 34.8% |
| PLAZA HOME MORTGAGE, INC. | 14 | 6.808% | $185,000 | 36.4% |
| FIRST COMMERCE CREDIT UNION | 14 | 7.000% | $175,000 | 12.5% |
| Bank of America, National Association | 13 | 5.990% | $395,000 | 45.8% |
| CALCON MUTUAL MORTGAGE LLC | 13 | 6.750% | $305,000 | 7.1% |
| DEEPHAVEN MORTGAGE LLC | 13 | 7.500% | $305,000 | 23.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 7.000% | $285,000 | 7.1% |
| PLANET HOME LENDING, LLC | 13 | 5.990% | $335,000 | 18.8% |
| AmeriSave Mortgage Corporation | 12 | 7.250% | $215,000 | 81.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | 7.000% | $320,000 | 29.4% |
| Plains Commerce Bank | 12 | 6.688% | $270,000 | 14.3% |
| Citadel Servicing Corporation | 12 | 7.438% | $445,000 | 5.6% |
| United Community Bank | 12 | 7.000% | $295,000 | 36.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 5.933% | $195,000 | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 6.813% | $360,000 | 12.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.375% | $310,000 | 7.1% |
| Click n' Close, Inc. | 12 | 7.375% | $230,000 | 14.3% |
| SPRING EQ, LLC | 11 | 11.775% | $85,000 | 82.3% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 8.780% | $125,000 | 47.6% |
| ALL IN FEDERAL CREDIT UNION | 11 | 7.250% | $255,000 | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.500% | $385,000 | 8.3% |
| Third Federal Savings and Loan Association of Cleveland | 11 | 6.990% | $135,000 | 15.4% |
| Hometown Equity Mortgage, LLC | 10 | 7.438% | $460,000 | 68.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 7.990% | $90,000 | 23.1% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 6.999% | $325,000 | 57.7% |
| MORIA DEVELOPMENT, INC. | 10 | 6.625% | $265,000 | 15.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 10.378% | $155,000 | 35.3% |
| THE MORTGAGE FIRM, INC. | 10 | 6.750% | $265,000 | 8.3% |
| CONSUMER REAL ESTATE FINANCE CO. | 10 | 6.750% | $260,000 | 33.3% |
| LENNAR MORTGAGE, LLC | 10 | 4.188% | $320,000 | 21.4% |
| NQM FUNDING, LLC | 10 | 7.562% | $260,000 | 21.4% |
| Primis Mortgage Company | 10 | 6.688% | $345,000 | 9.1% |
| Armed Forces Bank, National Association | 10 | 5.750% | $425,000 | 0.0% |
| Synovus Bank | 9 | Under 10 loans | Under 10 loans | 15.4% |
| STG MORTGAGE INC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| River Bank & Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 28.6% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| COLONY BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of Blakely | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 60.0% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 56.3% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Fifth Third Bank, National Association | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Mid-Continent Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SouthPoint Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BankSouth | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| CANOPY MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 57.1% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 25.0% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 22.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| SUCCESS MORTGAGE PARTNERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 68.8% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SouthState Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| City Lending Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Troy Bank and Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 4 | Under 10 loans | Under 10 loans | 53.8% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Capital City Bank | 4 | Under 10 loans | Under 10 loans | 44.4% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 60.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 42.9% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DAS Acquisition Company, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FM Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Port City Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MidSouth Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Georgia Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 85.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Assurance Financial Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Generations Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| CB&S Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Gulf Coast Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | 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 323 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Bay County
51 FDIC-insured branches from 18 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Regions Bank | 9 | $949.3 million |
| Trustmark Bank | 7 | $843.9 million |
| Centennial Bank | 5 | $403.6 million |
| PeoplesSouth Bank | 4 | $59.8 million |
| Hancock Whitney Bank | 3 | $536.2 million |
| Wells Fargo Bank, National Association | 3 | $419.7 million |
| Ameris Bank | 3 | $412.6 million |
| Capital City Bank | 3 | $24.0 million |
| The Huntington National Bank | 2 | $375.3 million |
| Truist Bank | 2 | $238.9 million |
| Community Bank of Mississippi | 2 | $158.5 million |
| MidSouth Bank | 2 | $75.8 million |
| First Federal Bank | 1 | $98.0 million |
| ServisFirst Bank | 1 | $64.1 million |
| SmartBank | 1 | $57.8 million |
| United Community Bank | 1 | $10.0 million |
| Renasant Bank | 1 | $9.3 million |
| Southeast First National Bank | 1 | $125,000 |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 101 W 23rd St, Panama City
- Cadence Bank, 600 Grand Panama Blvd, Ste 101, Panama City Beach
- ServisFirst Bank, 1022 W. 23rd Street, Suite 600, Panama City
Get told when this changes
When the next year’s lending figures are out for Bay 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.