Home purchase lenders in Citrus County
3,054 home purchase mortgages were made in Citrus County, Florida, in 2025, by 360 lenders. The median rate their borrowers got was 6.575% on a median loan of $235,000. Of 3,713 decisions, 538 were denials — 14.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 309 | 6.500% | $235,000 | 9.3% |
| Brannen Bank | 141 | Not published | $285,000 | 7.8% |
| Rocket Mortgage, LLC | 136 | 6.625% | $225,000 | 18.0% |
| Mortgage Research Center, LLC | 122 | 6.250% | $255,000 | 6.9% |
| Fairway Independent Mortgage Corporation | 108 | 6.750% | $220,000 | 8.3% |
| EVERETT FINANCIAL, INC. | 105 | 6.750% | $205,000 | 7.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 88 | 6.500% | $245,000 | 1.1% |
| RMC HOME MORTGAGE, LLC | 88 | 6.495% | $255,000 | 2.2% |
| Suncoast Credit Union | 87 | 5.625% | $235,000 | 11.2% |
| 21st Mortgage Corporation | 56 | 8.795% | $165,000 | 59.3% |
| CMG MORTGAGE, INC. | 53 | 5.250% | $205,000 | 6.2% |
| INSPIRE HOME LOANS INC. | 49 | 4.875% | $245,000 | 12.1% |
| Broker Solutions, Inc. | 48 | 6.875% | $225,000 | 11.1% |
| PENNYMAC LOAN SERVICES, LLC | 48 | 6.624% | $255,000 | 15.8% |
| MOVEMENT MORTGAGE, LLC | 43 | 6.875% | $235,000 | 3.9% |
| Navy Federal Credit Union | 41 | 6.125% | $255,000 | 12.8% |
| Regions Bank | 41 | 6.750% | $245,000 | 18.0% |
| COASTAL LOANS, LLC | 41 | 4.990% | $265,000 | 2.3% |
| NEWREZ LLC | 34 | 6.500% | $255,000 | 5.1% |
| UNION HOME MORTGAGE CORP. | 34 | 6.870% | $235,000 | 5.4% |
| DHI MORTGAGE COMPANY, LTD. | 32 | 3.990% | $275,000 | 30.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 32 | 6.500% | $215,000 | 3.0% |
| Equity Prime Mortgage LLC | 31 | 6.625% | $205,000 | 11.4% |
| THE MORTGAGE FIRM, INC. | 30 | 6.750% | $215,000 | 0.0% |
| MIDFLORIDA | 29 | 6.375% | $305,000 | 25.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 27 | 6.750% | $205,000 | 15.6% |
| ZILLOW HOME LOANS, LLC | 27 | 6.625% | $225,000 | 12.5% |
| FBC MORTGAGE, LLC | 26 | 5.625% | $255,000 | 3.7% |
| Seacoast National Bank | 23 | 6.750% | $365,000 | 11.5% |
| KIND LENDING, LLC | 20 | 6.313% | $240,000 | 28.6% |
| METROPLEX MORTGAGE SERVICES, INC. | 20 | 6.625% | $255,000 | 0.0% |
| Truist Bank | 19 | 6.100% | $165,000 | 34.4% |
| JPMorgan Chase Bank, National Association | 19 | 6.250% | $155,000 | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 19 | 6.375% | $255,000 | 4.6% |
| SUCCESS MORTGAGE PARTNERS, INC. | 19 | 6.625% | $295,000 | 5.0% |
| Bank of America, National Association | 18 | 6.375% | $225,000 | 30.8% |
| THE LOAN STORE, INC. | 18 | 6.490% | $250,000 | 4.8% |
| Alcova Mortgage LLC | 18 | 6.375% | $265,000 | 10.0% |
| MORTGAGE FINANCIAL GROUP, INC. | 18 | 6.563% | $280,000 | 0.0% |
| Plains Commerce Bank | 16 | 6.375% | $195,000 | 11.1% |
| FREEDOM MORTGAGE CORPORATION | 16 | 6.375% | $250,000 | 15.0% |
| GUILD MORTGAGE COMPANY | 16 | 6.438% | $275,000 | 5.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 15 | 6.375% | $175,000 | 0.0% |
| GUARANTEED RATE, INC. | 15 | 6.750% | $255,000 | 6.3% |
| Commerce Home Mortgage, Inc. | 15 | 8.500% | $225,000 | 0.0% |
| Click n' Close, Inc. | 14 | 7.813% | $150,000 | 16.7% |
| Prosperity Home Mortgage, LLC | 14 | 6.938% | $335,000 | 0.0% |
| Capital City Home Loans, LLC | 14 | 7.500% | $320,000 | 0.0% |
| USAA Federal Savings Bank | 13 | 6.125% | $255,000 | 27.8% |
| Wells Fargo Bank, National Association | 13 | 6.500% | $275,000 | 27.8% |
| VAN DYK MORTGAGE CORPORATION | 13 | 6.500% | $215,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 13 | 6.000% | $215,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 12 | 6.375% | $185,000 | 14.3% |
| TD Bank, National Association | 12 | 6.375% | $405,000 | 7.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | 6.625% | $215,000 | 7.7% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.500% | $245,000 | 15.4% |
| SouthState Bank, National Association | 11 | 7.200% | $145,000 | 26.7% |
| A&D Mortgage LLC | 11 | 7.625% | $195,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 11 | 6.750% | $185,000 | 0.0% |
| Luminate Bank | 10 | 6.245% | $190,000 | 0.0% |
| Loandepot.Com, LLC | 10 | 6.990% | $180,000 | 9.1% |
| Ameris Bank | 10 | 7.500% | $580,000 | 0.0% |
| PLANET HOME LENDING, LLC | 10 | 6.750% | $245,000 | 9.1% |
| NFM, INC. | 10 | 6.750% | $295,000 | 0.0% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 45.3% |
| Waterstone Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LEADERONE FINANCIAL CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CAMPUS USA CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GTE Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 32.1% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| BoxCar Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 10.0% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 80.0% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ACHIEVA CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 11.1% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 12.5% |
| Citizens First Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Heritage Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 3 | Under 10 loans | Under 10 loans | 57.1% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SPACE COAST CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| POINT MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Southern Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Credit Union | 2 | Under 10 loans | Under 10 loans | 80.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Wolfe Financial, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Mortgage Associates Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. CENTURY BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cogent Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USF Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Partner Mortgage Services | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | 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 160 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.