Home purchase lenders in Indian River County
2,376 home purchase mortgages were made in Indian River County, Florida, in 2025, by 345 lenders. The median rate their borrowers got was 6.500% on a median loan of $305,000. Of 2,926 decisions, 459 were denials — 15.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 222 | 6.500% | $290,000 | 12.1% |
| GUILD MORTGAGE COMPANY | 111 | 6.500% | $325,000 | 0.0% |
| Rocket Mortgage, LLC | 80 | 6.563% | $300,000 | 8.0% |
| PULTE MORTGAGE LLC | 79 | 6.500% | $355,000 | 10.2% |
| DHI MORTGAGE COMPANY, LTD. | 75 | 4.990% | $325,000 | 19.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 72 | 6.750% | $300,000 | 2.7% |
| UNION HOME MORTGAGE CORP. | 71 | 6.625% | $315,000 | 10.1% |
| Loandepot.Com, LLC | 70 | 5.750% | $360,000 | 24.7% |
| SouthState Bank, National Association | 65 | 6.475% | $355,000 | 8.5% |
| NVR Mortgage Finance, Inc. | 62 | 6.125% | $330,000 | 11.4% |
| CONTOUR MORTGAGE CORPORATION | 61 | 6.750% | $285,000 | 1.6% |
| RMC HOME MORTGAGE, LLC | 54 | 6.250% | $300,000 | 3.6% |
| Presidential Bank, FSB | 46 | 6.563% | $330,000 | 6.1% |
| MOVEMENT MORTGAGE, LLC | 44 | 6.531% | $275,000 | 3.7% |
| Mortgage Research Center, LLC | 43 | 6.250% | $325,000 | 4.4% |
| SPACE COAST CREDIT UNION | 41 | 6.375% | $255,000 | 17.3% |
| INSPIRE HOME LOANS INC. | 32 | 4.875% | $305,000 | 20.9% |
| COASTAL LOANS, LLC | 30 | 4.990% | $355,000 | 9.1% |
| BAYSHORE MORTGAGE FUNDING, LLC | 30 | 6.750% | $305,000 | 3.2% |
| JPMorgan Chase Bank, National Association | 29 | 6.500% | $415,000 | 21.6% |
| T2 FINANCIAL LLC | 29 | 6.625% | $325,000 | 0.0% |
| Bank of America, National Association | 27 | 5.990% | $425,000 | 22.9% |
| EVERETT FINANCIAL, INC. | 27 | 6.500% | $235,000 | 15.6% |
| TOTAL MORTGAGE SERVICES, LLC | 27 | 6.750% | $355,000 | 3.5% |
| MIDFLORIDA | 25 | 6.375% | $265,000 | 33.3% |
| NEWREZ LLC | 23 | 6.750% | $285,000 | 4.2% |
| Marine Bank & Trust Company | 22 | Not published | $535,000 | 4.4% |
| Fairway Independent Mortgage Corporation | 21 | 6.625% | $255,000 | 8.7% |
| Kiavi Funding, Inc. | 20 | 10.950% | $255,000 | 0.0% |
| Seacoast National Bank | 18 | 6.500% | $245,000 | 24.0% |
| Truist Bank | 18 | 6.333% | $415,000 | 18.2% |
| Navy Federal Credit Union | 17 | 6.000% | $285,000 | 14.3% |
| Wells Fargo Bank, National Association | 16 | 6.125% | $335,000 | 30.4% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.625% | $335,000 | 15.8% |
| THE MORTGAGE FIRM, INC. | 16 | 6.990% | $265,000 | 0.0% |
| THE LOAN STORE, INC. | 16 | 6.438% | $240,000 | 5.9% |
| ZILLOW HOME LOANS, LLC | 15 | 6.500% | $255,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 14 | 7.125% | $250,000 | 12.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 14 | 6.563% | $395,000 | 6.7% |
| Plains Commerce Bank | 14 | 6.813% | $260,000 | 6.7% |
| PNC Bank, National Association | 13 | 6.625% | $395,000 | 33.3% |
| Loan Funder LLC | 13 | 9.990% | $215,000 | 13.3% |
| FBC MORTGAGE, LLC | 13 | 5.990% | $405,000 | 7.1% |
| TD Bank, National Association | 11 | 6.750% | $295,000 | 31.3% |
| A&D Mortgage LLC | 11 | 6.875% | $295,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.500% | $295,000 | 15.4% |
| Broker Solutions, Inc. | 11 | 6.875% | $265,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 11 | 5.900% | $525,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 11 | 6.125% | $405,000 | 0.0% |
| City National Bank of Florida | 11 | 6.500% | $285,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 10 | 4.183% | $295,000 | 50.0% |
| CHAMPIONS FUNDING, LLC | 10 | 7.750% | $250,000 | 37.5% |
| COAST ONE MORTGAGE LLC | 10 | 6.750% | $255,000 | 16.7% |
| BAY CAPITAL MORTGAGE CORPORATION | 10 | 6.750% | $330,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 65.5% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 11.1% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 3 | Under 10 loans | Under 10 loans | 80.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 60.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| TrustCo Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| COMMUNITY CREDIT UNION of FLORIDA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DYBN FINANCIAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Partner Mortgage Services | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 86.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 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 | 33.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DG PINNACLE FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Suncoast Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PACIFIC LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 73.1% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAUNCH CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900T8N4RLS6G3BF64 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| City Lending Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900AH8L5ZM1JZET07 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Five Nine | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers & Merchants State 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 145 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.