Home purchase lenders in Flagler County
2,839 home purchase mortgages were made in Flagler County, Florida, in 2025, by 349 lenders. The median rate their borrowers got was 6.250% on a median loan of $305,000. Of 3,375 decisions, 440 were denials — 13.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 430 | 6.490% | $305,000 | 8.3% |
| DHI MORTGAGE COMPANY, LTD. | 270 | 4.625% | $305,000 | 17.1% |
| Rocket Mortgage, LLC | 112 | 6.375% | $305,000 | 14.4% |
| CMG MORTGAGE, INC. | 99 | 6.125% | $295,000 | 2.7% |
| Loandepot.Com, LLC | 90 | 4.990% | $305,000 | 27.6% |
| COASTAL LOANS, LLC | 86 | 4.990% | $315,000 | 4.4% |
| KBHS HOME LOANS, LLC | 84 | 6.175% | $300,000 | 6.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 60 | 6.750% | $290,000 | 1.6% |
| INSPIRE HOME LOANS INC. | 56 | 4.875% | $305,000 | 15.1% |
| Mortgage Research Center, LLC | 49 | 5.990% | $365,000 | 12.1% |
| PENNYMAC LOAN SERVICES, LLC | 47 | 6.750% | $325,000 | 16.1% |
| THE LOAN STORE, INC. | 46 | 6.750% | $275,000 | 0.0% |
| Ameris Bank | 44 | 7.125% | $325,000 | 10.2% |
| RMC HOME MORTGAGE, LLC | 41 | 6.490% | $365,000 | 0.0% |
| FBC MORTGAGE, LLC | 37 | 5.250% | $335,000 | 5.0% |
| Wells Fargo Bank, National Association | 33 | 5.750% | $335,000 | 8.3% |
| JET HOMELOANS, LP | 30 | 5.990% | $295,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 27 | 6.750% | $335,000 | 6.7% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 27 | 5.500% | $315,000 | 3.6% |
| Navy Federal Credit Union | 26 | 6.000% | $325,000 | 21.6% |
| GUARANTEED RATE, INC. | 26 | 6.175% | $255,000 | 7.1% |
| VYSTAR CREDIT UNION | 25 | 6.375% | $295,000 | 7.4% |
| NVR Mortgage Finance, Inc. | 24 | 5.875% | $310,000 | 46.7% |
| NEWREZ LLC | 24 | 6.563% | $310,000 | 7.7% |
| ZILLOW HOME LOANS, LLC | 24 | 6.500% | $270,000 | 7.7% |
| THE MORTGAGE FIRM, INC. | 23 | 6.750% | $345,000 | 0.0% |
| SPACE COAST CREDIT UNION | 22 | 5.625% | $295,000 | 20.7% |
| Bank of America, National Association | 22 | 6.245% | $260,000 | 33.3% |
| Regions Bank | 22 | 6.188% | $675,000 | 15.4% |
| Fairway Independent Mortgage Corporation | 21 | 6.625% | $275,000 | 8.3% |
| GUILD MORTGAGE COMPANY | 21 | 6.625% | $305,000 | 0.0% |
| PNC Bank, National Association | 18 | 6.438% | $205,000 | 17.4% |
| JPMorgan Chase Bank, National Association | 17 | 6.625% | $245,000 | 18.2% |
| Broker Solutions, Inc. | 17 | 6.625% | $275,000 | 0.0% |
| KIND LENDING, LLC | 17 | 6.625% | $325,000 | 26.1% |
| UNION HOME MORTGAGE CORP. | 17 | 6.625% | $315,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 17 | 6.375% | $275,000 | 0.0% |
| Fifth Third Bank, National Association | 16 | 6.500% | $345,000 | 11.1% |
| Truist Bank | 15 | 6.490% | $345,000 | 21.1% |
| Taylor Morrison Home Funding, Inc. | 15 | 5.000% | $405,000 | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 15 | 6.625% | $315,000 | 6.3% |
| TOLL BROTHERS MORTGAGE COMPANY | 15 | 6.250% | $325,000 | 8.0% |
| MORTGAGE EQUITY PARTNERS LLC | 15 | 6.750% | $305,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 15 | 6.187% | $385,000 | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 14 | 6.500% | $310,000 | 0.0% |
| U.S. Bank National Association | 13 | 6.375% | $625,000 | 13.3% |
| Commerce Home Mortgage, Inc. | 12 | 7.938% | $270,000 | 20.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 12 | 4.313% | $375,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 12 | 6.250% | $315,000 | 6.7% |
| CHAMPIONS FUNDING, LLC | 12 | 8.375% | $315,000 | 14.3% |
| RESICENTRAL, LLC | 12 | 6.313% | $295,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.750% | $335,000 | 41.2% |
| OCMBC, INC. | 10 | 7.249% | $275,000 | 7.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 10 | 6.563% | $255,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 10 | 6.558% | $195,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 9.1% |
| BROOKHOLLOW MORTGAGE SERVICES, LTD. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 43.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| 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% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 78.1% |
| MIDFLORIDA | 7 | Under 10 loans | Under 10 loans | 46.2% |
| TrustCo Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Tomo Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Seacoast National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SouthState Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BARWICK BANKING COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 60.0% |
| 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 | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 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% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 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% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FAIRWINDS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arbor Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RadiFi Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DYBN FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Independent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAUNCH CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUPERIOR CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 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 149 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.