Mortgage lenders in Nassau County
3,005 mortgages were made in Nassau County, Florida, in 2025, by 353 lenders. The median rate their borrowers got was 6.500% on a median loan of $315,000. Of 4,078 decisions, 929 were denials — 22.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 241 | 6.250% | $365,000 | 13.7% |
| Rocket Mortgage, LLC | 236 | 6.750% | $250,000 | 18.8% |
| VYSTAR CREDIT UNION | 164 | 6.875% | $105,000 | 40.5% |
| Navy Federal Credit Union | 121 | 7.500% | $205,000 | 24.2% |
| Capital City Home Loans, LLC | 104 | 6.625% | $440,000 | 0.9% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 87 | 7.220% | $105,000 | 20.9% |
| Loandepot.Com, LLC | 86 | 6.058% | $330,000 | 29.8% |
| PULTE MORTGAGE LLC | 86 | 6.125% | $375,000 | 6.5% |
| PENNYMAC LOAN SERVICES, LLC | 69 | 6.375% | $285,000 | 14.6% |
| Regions Bank | 63 | 6.250% | $405,000 | 17.9% |
| INSPIRE HOME LOANS INC. | 62 | 5.563% | $355,000 | 8.0% |
| Mortgage Research Center, LLC | 49 | 6.125% | $405,000 | 38.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 43 | 6.750% | $325,000 | 10.0% |
| UNION HOME MORTGAGE CORP. | 43 | 6.625% | $325,000 | 6.5% |
| 21st Mortgage Corporation | 41 | 9.520% | $185,000 | 60.4% |
| LENNAR MORTGAGE, LLC | 40 | 4.500% | $430,000 | 4.8% |
| First Federal Bank | 38 | 6.625% | $330,000 | 15.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 38 | 6.250% | $310,000 | 5.0% |
| FREEDOM MORTGAGE CORPORATION | 37 | 6.250% | $325,000 | 15.7% |
| Bank of America, National Association | 33 | 6.240% | $205,000 | 46.8% |
| Broker Solutions, Inc. | 31 | 6.625% | $315,000 | 24.4% |
| JPMorgan Chase Bank, National Association | 31 | 6.125% | $365,000 | 18.0% |
| PNC Bank, National Association | 30 | 7.990% | $180,000 | 41.5% |
| Truist Bank | 30 | 6.315% | $255,000 | 37.3% |
| KIND LENDING, LLC | 28 | 6.188% | $405,000 | 25.6% |
| NATIONSTAR MORTGAGE LLC | 27 | 8.125% | $135,000 | 12.9% |
| Pineland Bank | 27 | Not published | $305,000 | 0.0% |
| NEWREZ LLC | 25 | 6.250% | $325,000 | 21.2% |
| Gateway First Bank | 24 | 6.813% | $320,000 | 4.0% |
| Ameris Bank | 23 | 6.875% | $425,000 | 0.0% |
| THE LOAN STORE, INC. | 22 | 6.750% | $345,000 | 7.7% |
| PrimeSouth Bank | 22 | 6.875% | $475,000 | 0.0% |
| Synovus Bank | 21 | 7.600% | $415,000 | 22.2% |
| LOANPEOPLE, LLC | 20 | 6.063% | $440,000 | 4.8% |
| MOVEMENT MORTGAGE, LLC | 20 | 6.094% | $410,000 | 4.0% |
| Taylor Morrison Home Funding, Inc. | 19 | 5.250% | $595,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 19 | 6.125% | $305,000 | 0.0% |
| PLANET HOME LENDING, LLC | 19 | 6.250% | $335,000 | 5.0% |
| EMM LOANS LLC | 19 | 5.500% | $415,000 | 0.0% |
| Fifth Third Bank, National Association | 18 | 7.450% | $220,000 | 21.7% |
| HOMEAMERICAN MORTGAGE CORPORATION | 18 | 4.250% | $405,000 | 17.4% |
| Southeastern Bank | 18 | Not published | $305,000 | 0.0% |
| U.S. Bank National Association | 17 | 6.625% | $445,000 | 18.2% |
| GUILD MORTGAGE COMPANY | 17 | 6.750% | $335,000 | 0.0% |
| GUARANTEED RATE, INC. | 16 | 6.188% | $285,000 | 22.7% |
| Capital City Bank | 16 | 6.990% | $255,000 | 36.0% |
| EVERETT FINANCIAL, INC. | 16 | 6.990% | $330,000 | 0.0% |
| FIGURE LENDING LLC | 15 | 9.500% | $75,000 | 32.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.000% | $335,000 | 6.3% |
| AmeriSave Mortgage Corporation | 14 | 8.000% | $105,000 | 63.2% |
| CMG MORTGAGE, INC. | 14 | 6.625% | $375,000 | 6.7% |
| Wells Fargo Bank, National Association | 13 | 6.125% | $285,000 | 27.8% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 13 | 6.500% | $235,000 | 11.8% |
| RMC HOME MORTGAGE, LLC | 13 | 6.750% | $375,000 | 0.0% |
| Kiavi Funding, Inc. | 13 | 10.500% | $285,000 | 0.0% |
| SPRING EQ, LLC | 12 | 9.350% | $65,000 | 70.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 6.688% | $300,000 | 40.9% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.500% | $305,000 | 29.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.188% | $320,000 | 0.0% |
| First Port City Bank | 11 | Not published | $265,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 11 | 6.875% | $185,000 | 0.0% |
| RadiFi Credit Union | 10 | 6.740% | $105,000 | 9.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 6.500% | $410,000 | 8.3% |
| COASTLINE FEDERAL CREDIT UNION | 10 | 6.938% | $135,000 | 0.0% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 73.8% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 7.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SouthState Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 47.4% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 53.3% |
| SOUTHWEST STAGE FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ZILLOW HOME LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 57.1% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JET HOMELOANS, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GRACE HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 53.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 46.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Bell Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Leader Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOGETHER CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RIGHT START MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FLORIDA Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 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% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 84.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 83.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Florida Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MIDFLORIDA | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPACE COAST CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 212 LOANS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY CREDIT UNION of FLORIDA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION CAPITAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Bank | 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% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 87.5% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 80.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST EQUITY MORTGAGE INCORPORATED | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 25.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 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 153 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Nassau County
24 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 3 | $346.1 million |
| First Federal Bank | 3 | $297.2 million |
| JPMorgan Chase Bank, National Association | 3 | $48.8 million |
| First Port City Bank | 2 | $217.5 million |
| Bank of America, National Association | 2 | $173.0 million |
| Pinnacle Bank | 2 | $144.0 million |
| Truist Bank | 2 | $110.2 million |
| PNC Bank, National Association | 2 | $103.1 million |
| Southeastern Bank | 2 | $79.6 million |
| PrimeSouth Bank | 1 | $163.8 million |
| Regions Bank | 1 | $97.0 million |
| Pineland Bank | 1 | $46.1 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Synovus Bank, 1750 S 14th St, Fernandina Beach
- Synovus Bank, 463719 State Road 200, Yulee
Get told when this changes
When the next year’s lending figures are out for Nassau 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.