Mortgage lenders in Clay County
6,080 mortgages were made in Clay County, Florida, in 2025, by 396 lenders. The median rate their borrowers got was 6.375% on a median loan of $255,000. Of 8,518 decisions, 2,095 were denials — 24.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 667 | 6.125% | $315,000 | 10.0% |
| VYSTAR CREDIT UNION | 412 | 6.875% | $85,000 | 40.9% |
| Rocket Mortgage, LLC | 405 | 6.500% | $225,000 | 19.5% |
| Navy Federal Credit Union | 326 | 7.750% | $155,000 | 30.9% |
| LENNAR MORTGAGE, LLC | 254 | 4.500% | $305,000 | 12.4% |
| JET HOMELOANS, LP | 218 | 4.990% | $395,000 | 3.9% |
| DHI MORTGAGE COMPANY, LTD. | 171 | 3.990% | $265,000 | 18.6% |
| GUILD MORTGAGE COMPANY | 135 | 6.375% | $265,000 | 7.5% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 131 | 6.820% | $95,000 | 24.7% |
| Loandepot.Com, LLC | 130 | 6.250% | $255,000 | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 128 | 6.125% | $345,000 | 14.3% |
| Mortgage Research Center, LLC | 125 | 6.250% | $325,000 | 34.0% |
| PENNYMAC LOAN SERVICES, LLC | 117 | 6.250% | $265,000 | 15.1% |
| PULTE MORTGAGE LLC | 87 | 5.125% | $405,000 | 14.6% |
| CMG MORTGAGE, INC. | 75 | 6.726% | $245,000 | 4.4% |
| MOVEMENT MORTGAGE, LLC | 67 | 6.125% | $275,000 | 3.7% |
| NEWREZ LLC | 65 | 6.500% | $285,000 | 33.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 64 | 6.575% | $285,000 | 8.3% |
| RadiFi Credit Union | 63 | 6.990% | $85,000 | 10.0% |
| LOANPEOPLE, LLC | 62 | 6.433% | $305,000 | 0.0% |
| MATTAMY HOME FUNDING, LLC | 56 | 5.125% | $350,000 | 15.2% |
| PNC Bank, National Association | 55 | 7.620% | $135,000 | 38.5% |
| First Federal Bank | 55 | 6.250% | $285,000 | 8.3% |
| Ameris Bank | 53 | 6.625% | $295,000 | 18.8% |
| NETWORK FUNDING, L.P. | 51 | 6.500% | $275,000 | 3.7% |
| NATIONSTAR MORTGAGE LLC | 49 | 7.875% | $105,000 | 14.8% |
| GUARANTEED RATE, INC. | 44 | 6.563% | $305,000 | 13.2% |
| Fairway Independent Mortgage Corporation | 44 | 6.625% | $235,000 | 10.0% |
| KIND LENDING, LLC | 42 | 6.750% | $280,000 | 22.2% |
| Broker Solutions, Inc. | 39 | 6.500% | $285,000 | 35.0% |
| Bank of America, National Association | 38 | 6.490% | $105,000 | 61.9% |
| PLANET HOME LENDING, LLC | 37 | 6.250% | $255,000 | 11.9% |
| EMM LOANS LLC | 35 | 6.500% | $315,000 | 2.7% |
| PLAZA HOME MORTGAGE, INC. | 34 | 6.490% | $260,000 | 30.6% |
| EVERETT FINANCIAL, INC. | 34 | 6.625% | $245,000 | 10.5% |
| Truist Bank | 33 | 6.475% | $205,000 | 35.2% |
| LAKEVIEW LOAN SERVICING, LLC | 32 | 6.125% | $265,000 | 62.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 32 | 6.563% | $235,000 | 12.2% |
| Gateway First Bank | 32 | 6.375% | $255,000 | 5.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 31 | 6.499% | $165,000 | 48.6% |
| KBHS HOME LOANS, LLC | 30 | 5.990% | $310,000 | 3.2% |
| SPRING EQ, LLC | 29 | 9.300% | $75,000 | 71.2% |
| AmeriSave Mortgage Corporation | 29 | 7.990% | $95,000 | 66.7% |
| FIGURE LENDING LLC | 29 | 8.550% | $55,000 | 30.2% |
| Coastal Community Bank | 28 | 10.490% | $55,000 | 2.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 28 | 5.500% | $385,000 | 14.3% |
| UNION HOME MORTGAGE CORP. | 28 | 6.563% | $325,000 | 9.7% |
| Kiavi Funding, Inc. | 28 | 10.100% | $210,000 | 12.5% |
| ZILLOW HOME LOANS, LLC | 28 | 6.500% | $340,000 | 6.7% |
| Paramount Residential Mortgage Group, Inc. | 27 | 6.375% | $325,000 | 0.0% |
| FBC MORTGAGE, LLC | 27 | 4.990% | $325,000 | 10.0% |
| Equity Prime Mortgage LLC | 26 | 6.250% | $275,000 | 31.6% |
| THE LOAN STORE, INC. | 25 | 7.375% | $175,000 | 22.2% |
| JPMorgan Chase Bank, National Association | 25 | 6.500% | $235,000 | 13.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 25 | 6.250% | $345,000 | 6.3% |
| 21st Mortgage Corporation | 24 | 9.015% | $170,000 | 71.3% |
| Regions Bank | 23 | 5.875% | $125,000 | 44.7% |
| Prosperity Home Mortgage, LLC | 23 | 6.250% | $345,000 | 8.0% |
| U.S. Bank National Association | 21 | 7.700% | $95,000 | 57.1% |
| Fifth Third Bank, National Association | 21 | 8.250% | $85,000 | 55.3% |
| Wells Fargo Bank, National Association | 21 | 6.375% | $285,000 | 34.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 21 | 6.250% | $215,000 | 19.2% |
| HOMEAMERICAN MORTGAGE CORPORATION | 21 | 4.500% | $415,000 | 12.0% |
| Plains Commerce Bank | 20 | 6.125% | $220,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 19 | 6.990% | $325,000 | 56.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 19 | 6.125% | $325,000 | 9.5% |
| SWBC MORTGAGE CORPORATION | 17 | 6.125% | $235,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 16 | 6.808% | $230,000 | 5.9% |
| HANCOCK WHITNEY BANK | 16 | 6.000% | $315,000 | 11.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 15 | 6.750% | $265,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 15 | 6.125% | $225,000 | 15.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 15 | 6.500% | $305,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 14 | 6.990% | $115,000 | 53.3% |
| Lendage, LLC | 14 | 11.438% | $75,000 | 5.6% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 14 | 6.625% | $190,000 | 6.7% |
| COASTLINE FEDERAL CREDIT UNION | 14 | 6.938% | $75,000 | 0.0% |
| GoodLeap, LLC | 13 | 6.800% | $155,000 | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 13 | 6.875% | $315,000 | 18.8% |
| A&D Mortgage LLC | 13 | 6.625% | $185,000 | 6.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 13 | 6.000% | $315,000 | 11.1% |
| Bell Bank | 13 | 6.875% | $295,000 | 7.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 10.755% | $80,000 | 0.0% |
| Flagstar Bank, N.A. | 12 | 6.250% | $325,000 | 14.3% |
| JMAC LENDING, INC. | 12 | 6.563% | $335,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.250% | $85,000 | 42.1% |
| USAA Federal Savings Bank | 11 | 6.125% | $315,000 | 52.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | 6.500% | $355,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 10 | 6.250% | $335,000 | 33.3% |
| LOWER, LLC | 10 | 7.058% | $255,000 | 52.4% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 7.500% | $110,000 | 47.4% |
| Click n' Close, Inc. | 10 | 7.438% | $265,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 10 | 7.500% | $310,000 | 15.4% |
| Florida Credit Union | 9 | Under 10 loans | Under 10 loans | 76.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SPACE COAST CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Capital City Bank | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Filo Mortgage, L.L.C. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CLEARPATH LENDING | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 78.8% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Texana Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Capital City Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 59.1% |
| Alcova Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| RESICENTRAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 58.3% |
| SouthState Bank, National Association | 5 | Under 10 loans | Under 10 loans | 58.3% |
| CALCON MUTUAL MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 27.3% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FLORIDA Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 75.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 37.0% |
| Summit Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Advisors Mortgage Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Seacoast National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RMC HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MIDFLORIDA | 3 | Under 10 loans | Under 10 loans | 81.3% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| THE MORTGAGE FIRM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST EQUITY MORTGAGE INCORPORATED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 212 LOANS, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomePromise Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Mortgage Lenders Investment Trading Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Radiant Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 2 | Under 10 loans | Under 10 loans | 33.3% |
| POLICE & FIRE | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NextMortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 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 196 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Clay County
20 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 4 | $459.1 million |
| PNC Bank, National Association | 4 | $183.5 million |
| Ameris Bank | 3 | $261.1 million |
| Bank of America, National Association | 2 | $375.0 million |
| JPMorgan Chase Bank, National Association | 2 | $175.2 million |
| Regions Bank | 1 | $110.5 million |
| SouthState Bank, National Association | 1 | $72.5 million |
| Truist Bank | 1 | $67.0 million |
| Fifth Third Bank, National Association | 1 | $58.2 million |
| Capital City Bank | 1 | $40.7 million |
Get told when this changes
When the next year’s lending figures are out for Clay 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.