Mortgage lenders in Flagler County
4,583 mortgages were made in Flagler County, Florida, in 2025, by 447 lenders. The median rate their borrowers got was 6.490% on a median loan of $275,000. Of 6,407 decisions, 1,537 were denials — 24.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 586 | 6.250% | $305,000 | 13.0% |
| Rocket Mortgage, LLC | 332 | 6.500% | $225,000 | 18.1% |
| DHI MORTGAGE COMPANY, LTD. | 270 | 4.625% | $305,000 | 17.1% |
| VYSTAR CREDIT UNION | 139 | 6.750% | $95,000 | 43.0% |
| SPACE COAST CREDIT UNION | 130 | 5.563% | $95,000 | 31.1% |
| Loandepot.Com, LLC | 120 | 4.990% | $285,000 | 30.2% |
| Truist Bank | 106 | 6.940% | $105,000 | 31.9% |
| CMG MORTGAGE, INC. | 104 | 6.250% | $295,000 | 2.6% |
| PENNYMAC LOAN SERVICES, LLC | 97 | 6.875% | $275,000 | 16.7% |
| Bank of America, National Association | 91 | 6.490% | $105,000 | 45.4% |
| COASTAL LOANS, LLC | 86 | 4.990% | $315,000 | 4.4% |
| KBHS HOME LOANS, LLC | 84 | 6.175% | $300,000 | 6.5% |
| Ameris Bank | 76 | 7.250% | $285,000 | 11.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 73 | 6.750% | $295,000 | 7.4% |
| Navy Federal Credit Union | 72 | 6.875% | $185,000 | 27.9% |
| THE LOAN STORE, INC. | 69 | 7.125% | $225,000 | 11.0% |
| PNC Bank, National Association | 67 | 7.370% | $115,000 | 49.3% |
| Mortgage Research Center, LLC | 62 | 5.990% | $355,000 | 29.7% |
| INSPIRE HOME LOANS INC. | 56 | 4.875% | $305,000 | 15.1% |
| NEWREZ LLC | 50 | 6.875% | $290,000 | 32.0% |
| FREEDOM MORTGAGE CORPORATION | 46 | 6.250% | $325,000 | 18.8% |
| Wells Fargo Bank, National Association | 46 | 5.938% | $290,000 | 14.8% |
| NATIONSTAR MORTGAGE LLC | 45 | 7.875% | $125,000 | 14.8% |
| RMC HOME MORTGAGE, LLC | 41 | 6.490% | $365,000 | 0.0% |
| Fifth Third Bank, National Association | 38 | 6.995% | $240,000 | 29.6% |
| FBC MORTGAGE, LLC | 38 | 5.438% | $340,000 | 4.9% |
| Regions Bank | 34 | 6.125% | $345,000 | 28.0% |
| EVERETT FINANCIAL, INC. | 33 | 6.875% | $285,000 | 8.1% |
| Citizens Bank, National Association | 32 | 8.275% | $125,000 | 36.0% |
| GUARANTEED RATE, INC. | 31 | 6.125% | $295,000 | 8.6% |
| JET HOMELOANS, LP | 30 | 5.990% | $295,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 27 | 6.500% | $245,000 | 18.9% |
| GUILD MORTGAGE COMPANY | 27 | 6.625% | $305,000 | 0.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 27 | 5.500% | $315,000 | 3.6% |
| Fairway Independent Mortgage Corporation | 26 | 6.625% | $275,000 | 6.9% |
| THE MORTGAGE FIRM, INC. | 25 | 6.750% | $345,000 | 0.0% |
| Broker Solutions, Inc. | 24 | 6.500% | $265,000 | 31.4% |
| NVR Mortgage Finance, Inc. | 24 | 5.875% | $310,000 | 46.7% |
| ZILLOW HOME LOANS, LLC | 24 | 6.500% | $270,000 | 7.7% |
| UNION HOME MORTGAGE CORP. | 22 | 6.500% | $320,000 | 0.0% |
| FIGURE LENDING LLC | 21 | 8.200% | $55,000 | 22.2% |
| TrustCo Bank | 19 | 5.990% | $185,000 | 32.4% |
| KIND LENDING, LLC | 19 | 6.625% | $325,000 | 36.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 19 | 9.410% | $155,000 | 13.0% |
| Coastal Community Bank | 18 | 9.990% | $35,000 | 7.3% |
| U.S. Bank National Association | 18 | 6.490% | $455,000 | 41.9% |
| AMERICAN FINANCIAL RESOURCES, INC. | 18 | 6.375% | $265,000 | 0.0% |
| SPRING EQ, LLC | 17 | 8.975% | $65,000 | 75.0% |
| SouthState Bank, National Association | 17 | 7.200% | $105,000 | 34.6% |
| MOVEMENT MORTGAGE, LLC | 16 | 6.281% | $365,000 | 0.0% |
| AmeriSave Mortgage Corporation | 15 | 7.625% | $65,000 | 74.6% |
| PLAZA HOME MORTGAGE, INC. | 15 | 6.875% | $325,000 | 48.3% |
| Paramount Residential Mortgage Group, Inc. | 15 | 6.625% | $315,000 | 6.3% |
| Taylor Morrison Home Funding, Inc. | 15 | 5.000% | $405,000 | 25.0% |
| Commerce Home Mortgage, Inc. | 15 | 8.500% | $255,000 | 16.7% |
| TOLL BROTHERS MORTGAGE COMPANY | 15 | 6.250% | $325,000 | 8.0% |
| PLANET HOME LENDING, LLC | 15 | 5.750% | $305,000 | 11.8% |
| MORTGAGE EQUITY PARTNERS LLC | 15 | 6.750% | $305,000 | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 15 | 6.500% | $295,000 | 0.0% |
| RESICENTRAL, LLC | 15 | 6.375% | $285,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 14 | 6.928% | $305,000 | 55.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 14 | 7.240% | $110,000 | 17.7% |
| TD Bank, National Association | 14 | 7.805% | $115,000 | 46.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 14 | 6.250% | $285,000 | 5.3% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.990% | $115,000 | 57.1% |
| CHAMPIONS FUNDING, LLC | 13 | 8.375% | $305,000 | 23.5% |
| A&D Mortgage LLC | 12 | 6.990% | $250,000 | 7.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 12 | 6.563% | $255,000 | 0.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 12 | 4.313% | $375,000 | 0.0% |
| Equity Prime Mortgage LLC | 11 | 6.750% | $325,000 | 21.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 6.990% | $165,000 | 15.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.250% | $255,000 | 20.0% |
| OCMBC, INC. | 11 | 7.499% | $265,000 | 6.3% |
| DEEPHAVEN MORTGAGE LLC | 11 | 6.990% | $285,000 | 21.4% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.500% | $310,000 | 65.2% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 6.563% | $325,000 | 64.3% |
| LAUNCH CREDIT UNION | 10 | 7.125% | $75,000 | 25.0% |
| Emporium TPO LLC | 10 | 7.433% | $345,000 | 13.3% |
| Seacoast National Bank | 10 | 6.648% | $255,000 | 16.7% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 10 | 6.743% | $175,000 | 16.7% |
| Florida Credit Union | 9 | Under 10 loans | Under 10 loans | 43.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Prosperity Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| BROOKHOLLOW MORTGAGE SERVICES, LTD. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 38.1% |
| MIDFLORIDA | 8 | Under 10 loans | Under 10 loans | 57.9% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 52.6% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 78.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 62.9% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 87.5% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Tomo Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BARWICK BANKING COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 53.8% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 54.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 9.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| FAIRWINDS CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRAILBLAZER MORTGAGE L.L.C. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LOANPEOPLE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Waterstone Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Capital City Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CONTOUR MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Genesis Capital, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RadiFi Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FLORIDA Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Ardent Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLICE & FIRE | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 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 247 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Flagler County
18 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bank of America, National Association | 3 | $530.0 million |
| Wells Fargo Bank, National Association | 3 | $525.5 million |
| Truist Bank | 3 | $457.7 million |
| PNC Bank, National Association | 3 | $260.7 million |
| JPMorgan Chase Bank, National Association | 2 | $256.5 million |
| Intracoastal Bank | 1 | $344.2 million |
| Ameris Bank | 1 | $142.5 million |
| SouthState Bank, National Association | 1 | $74.1 million |
| TrustCo Bank | 1 | $17.6 million |
Get told when this changes
When the next year’s lending figures are out for Flagler 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.