Mortgage lenders in Highlands County
2,447 mortgages were made in Highlands County, Florida, in 2025, by 314 lenders. The median rate their borrowers got was 6.625% on a median loan of $195,000. Of 3,585 decisions, 994 were denials — 27.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MIDFLORIDA | 241 | 6.490% | $75,000 | 44.7% |
| Rocket Mortgage, LLC | 199 | 6.625% | $175,000 | 18.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 198 | 6.500% | $235,000 | 15.6% |
| LEADERONE FINANCIAL CORPORATION | 152 | 6.500% | $210,000 | 13.0% |
| METROPLEX MORTGAGE SERVICES, INC. | 93 | 6.625% | $225,000 | 7.0% |
| Seacoast National Bank | 76 | 7.063% | $240,000 | 26.4% |
| FREEDOM MORTGAGE CORPORATION | 51 | 6.250% | $265,000 | 14.3% |
| Bell Bank | 51 | 6.500% | $215,000 | 3.8% |
| SouthState Bank, National Association | 48 | 7.200% | $100,000 | 28.4% |
| PENNYMAC LOAN SERVICES, LLC | 43 | 6.499% | $215,000 | 11.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 41 | 6.825% | $255,000 | 16.0% |
| Mortgage Research Center, LLC | 35 | 6.250% | $245,000 | 36.4% |
| Broker Solutions, Inc. | 35 | 6.750% | $175,000 | 10.3% |
| Suncoast Credit Union | 35 | 7.000% | $65,000 | 28.6% |
| INSPIRE HOME LOANS INC. | 33 | 4.875% | $245,000 | 28.8% |
| NFM, INC. | 33 | 6.750% | $225,000 | 2.9% |
| NATIONSTAR MORTGAGE LLC | 31 | 6.990% | $125,000 | 13.5% |
| NEWREZ LLC | 27 | 6.625% | $195,000 | 50.0% |
| Truist Bank | 27 | 7.550% | $105,000 | 36.4% |
| PLANET HOME LENDING, LLC | 27 | 6.625% | $245,000 | 26.3% |
| Crews Bank & Trust | 27 | Not published | $155,000 | 3.3% |
| FBC MORTGAGE, LLC | 27 | 6.375% | $275,000 | 3.6% |
| Navy Federal Credit Union | 26 | 6.625% | $165,000 | 33.3% |
| Plains Commerce Bank | 25 | 6.500% | $265,000 | 3.9% |
| Kiavi Funding, Inc. | 25 | 7.500% | $175,000 | 7.4% |
| LOWER, LLC | 24 | 6.313% | $235,000 | 20.0% |
| ALKAN MORTGAGE CORPORATION | 21 | 6.875% | $265,000 | 0.0% |
| Bank of America, National Association | 20 | 6.683% | $110,000 | 64.5% |
| Loandepot.Com, LLC | 20 | 6.990% | $135,000 | 47.5% |
| A&D Mortgage LLC | 20 | 7.313% | $155,000 | 20.0% |
| Equity Prime Mortgage LLC | 19 | 6.500% | $275,000 | 9.5% |
| KIND LENDING, LLC | 18 | 6.313% | $270,000 | 14.3% |
| T2 FINANCIAL LLC | 18 | 7.750% | $215,000 | 5.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 16 | 6.188% | $165,000 | 0.0% |
| 21st Mortgage Corporation | 15 | 9.920% | $135,000 | 74.6% |
| Coastal Community Bank | 14 | 10.365% | $45,000 | 0.0% |
| SPRING EQ, LLC | 14 | 8.225% | $75,000 | 65.1% |
| THE LOAN STORE, INC. | 14 | 7.188% | $235,000 | 17.7% |
| FIGURE LENDING LLC | 12 | 8.725% | $60,000 | 35.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 12 | 6.625% | $245,000 | 14.3% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 6.750% | $135,000 | 38.6% |
| TD Bank, National Association | 11 | 7.790% | $105,000 | 42.1% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.875% | $245,000 | 8.3% |
| GUARANTEED RATE, INC. | 10 | 6.938% | $155,000 | 23.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.250% | $120,000 | 33.3% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 78.6% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 55.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 30.4% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 41.2% |
| LoanUnited.com, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| MY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 38.5% |
| Regions Bank | 7 | Under 10 loans | Under 10 loans | 46.2% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 46.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PREFERRED LENDING SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| American Liberty Mortgage, Incorporated | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 72.2% |
| SPACE COAST CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 42.9% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 92.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 85.7% |
| 254900O723MCLR701H50 | 2 | Under 10 loans | Under 10 loans | 71.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 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 | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Southern Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Centennial Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EDUCATIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Midwest Mortgage Associates Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. CENTURY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 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 114 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Highlands County
18 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Seacoast National Bank | 4 | $609.9 million |
| SouthState Bank, National Association | 3 | $262.7 million |
| Truist Bank | 3 | $220.8 million |
| Wells Fargo Bank, National Association | 2 | $423.7 million |
| Crews Bank & Trust | 2 | $272.5 million |
| Bank of America, National Association | 1 | $217.2 million |
| First Southern Bank | 1 | $90.4 million |
| Gulf Atlantic Bank | 1 | $23.5 million |
| JPMorgan Chase Bank, National Association | 1 | $13.9 million |
Closed since the 2025 survey
5 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Heartland National Bank, 320 Us Highway 27 N, Sebring
- Heartland National Bank, 5033 Us Highway 27 N, Sebring
- Heartland National Bank, 600 Us Highway 27 N, Lake Placid
- Heartland National Bank, 800 W Main St, Avon Park
- TD Bank, National Association, 1 US 27 North, 621 East, Lake Placid
Get told when this changes
When the next year’s lending figures are out for Highlands 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.