Mortgage lenders in Osceola County
11,546 mortgages were made in Osceola County, Florida, in 2025, by 597 lenders. The median rate their borrowers got was 6.500% on a median loan of $325,000. Of 17,426 decisions, 5,101 were denials — 29.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,235 | 6.375% | $335,000 | 20.0% |
| DHI MORTGAGE COMPANY, LTD. | 665 | 4.750% | $385,000 | 14.7% |
| Rocket Mortgage, LLC | 575 | 6.750% | $245,000 | 22.6% |
| LENNAR MORTGAGE, LLC | 369 | 4.750% | $365,000 | 32.5% |
| PULTE MORTGAGE LLC | 333 | 5.000% | $395,000 | 29.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 298 | 6.750% | $305,000 | 9.0% |
| Loandepot.Com, LLC | 227 | 5.625% | $345,000 | 30.0% |
| A&D Mortgage LLC | 227 | 6.990% | $255,000 | 10.9% |
| PENNYMAC LOAN SERVICES, LLC | 176 | 6.499% | $325,000 | 31.7% |
| JPMorgan Chase Bank, National Association | 173 | 6.375% | $265,000 | 17.1% |
| Broker Solutions, Inc. | 171 | 6.750% | $315,000 | 22.7% |
| Cornerstone First Mortgage, Inc | 167 | 6.875% | $295,000 | 2.3% |
| NFM, INC. | 163 | 4.990% | $455,000 | 4.7% |
| TRAILBLAZER MORTGAGE L.L.C. | 152 | 4.688% | $435,000 | 7.8% |
| M/I FINANCIAL, LLC | 150 | 4.875% | $410,000 | 8.3% |
| FBC MORTGAGE, LLC | 144 | 5.813% | $415,000 | 11.0% |
| FREEDOM MORTGAGE CORPORATION | 133 | 6.250% | $365,000 | 19.2% |
| Taylor Morrison Home Funding, Inc. | 133 | 5.375% | $395,000 | 42.9% |
| Navy Federal Credit Union | 128 | 7.825% | $105,000 | 46.2% |
| Banco do Brasil Americas | 127 | 6.750% | $345,000 | 10.8% |
| NEWREZ LLC | 123 | 6.750% | $315,000 | 49.4% |
| AMWEST FUNDING CORP. | 123 | 6.875% | $235,000 | 5.3% |
| Bank of America, National Association | 120 | 6.375% | $105,000 | 65.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 116 | 5.375% | $345,000 | 22.4% |
| THE MORTGAGE FIRM, INC. | 107 | 6.625% | $305,000 | 2.6% |
| PARTNERS Federal Credit Union | 99 | 7.000% | $105,000 | 45.7% |
| SouthState Bank, National Association | 97 | 7.125% | $285,000 | 37.9% |
| CHAMPIONS FUNDING, LLC | 91 | 7.500% | $305,000 | 27.0% |
| ADDITION FINANCIAL | 88 | 6.750% | $75,000 | 40.2% |
| Paramount Residential Mortgage Group, Inc. | 86 | 6.625% | $330,000 | 10.4% |
| Hometown Equity Mortgage, LLC | 84 | 7.250% | $290,000 | 40.3% |
| Mortgage Research Center, LLC | 83 | 6.250% | $365,000 | 45.5% |
| GUARANTEED RATE, INC. | 79 | 6.625% | $385,000 | 16.7% |
| THE LOAN STORE, INC. | 79 | 7.490% | $255,000 | 24.3% |
| Truist Bank | 75 | 6.675% | $155,000 | 58.8% |
| MOVEMENT MORTGAGE, LLC | 73 | 6.750% | $315,000 | 6.6% |
| Regions Bank | 71 | 4.990% | $125,000 | 58.7% |
| FAIRWINDS CREDIT UNION | 69 | 6.750% | $65,000 | 51.0% |
| STG MORTGAGE INC | 66 | 6.125% | $385,000 | 8.0% |
| CMG MORTGAGE, INC. | 65 | 6.688% | $355,000 | 9.2% |
| NORTHPOINT MORTGAGE, INC. | 65 | 6.500% | $365,000 | 3.0% |
| Coastal Community Bank | 63 | 9.740% | $55,000 | 5.1% |
| SPRING EQ, LLC | 63 | 9.575% | $75,000 | 69.4% |
| NATIONSTAR MORTGAGE LLC | 63 | 8.750% | $85,000 | 32.3% |
| Fifth Third Bank, National Association | 62 | 8.075% | $105,000 | 57.7% |
| OCMBC, INC. | 61 | 6.999% | $285,000 | 12.5% |
| FIGURE LENDING LLC | 56 | 8.950% | $65,000 | 33.1% |
| KIND LENDING, LLC | 56 | 6.625% | $335,000 | 36.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 54 | 6.562% | $385,000 | 3.6% |
| First Heritage Mortgage, LLC | 54 | 4.990% | $395,000 | 6.9% |
| HOMEXPRESS MORTGAGE CORP. | 53 | 7.500% | $245,000 | 44.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 52 | 10.360% | $110,000 | 10.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 48 | 5.490% | $340,000 | 8.9% |
| SPACE COAST CREDIT UNION | 46 | 6.063% | $100,000 | 35.0% |
| AmeriSave Mortgage Corporation | 45 | 7.250% | $95,000 | 64.2% |
| DEEPHAVEN MORTGAGE LLC | 45 | 7.625% | $305,000 | 30.8% |
| ZILLOW HOME LOANS, LLC | 45 | 6.625% | $325,000 | 11.5% |
| GUILD MORTGAGE COMPANY | 45 | 6.125% | $345,000 | 8.2% |
| PFN Lending Group, Inc. | 45 | 5.990% | $445,000 | 6.1% |
| KBHS HOME LOANS, LLC | 44 | 5.750% | $375,000 | 25.4% |
| Plains Commerce Bank | 44 | 6.433% | $285,000 | 15.4% |
| JET HOMELOANS, LP | 42 | 4.990% | $475,000 | 4.2% |
| PNC Bank, National Association | 41 | 7.550% | $165,000 | 51.7% |
| Wells Fargo Bank, National Association | 41 | 6.375% | $285,000 | 34.9% |
| Reliable Holdings Manager dba Lendz Financial | 41 | 7.625% | $265,000 | 4.7% |
| Citadel Servicing Corporation | 41 | 7.750% | $305,000 | 3.3% |
| MIDFLORIDA | 40 | 6.625% | $90,000 | 66.7% |
| ALKAN MORTGAGE CORPORATION | 39 | 6.750% | $315,000 | 12.0% |
| PLANET HOME LENDING, LLC | 39 | 5.990% | $295,000 | 20.0% |
| U.S. Bank National Association | 38 | 6.250% | $415,000 | 64.6% |
| TrustCo Bank | 37 | 5.875% | $125,000 | 51.8% |
| Fairway Independent Mortgage Corporation | 37 | 6.875% | $365,000 | 14.0% |
| BRADESCO BANK | 37 | 6.625% | $335,000 | 7.3% |
| Commerce Home Mortgage, Inc. | 36 | 7.375% | $295,000 | 20.0% |
| ACOPIA, LLC | 36 | 5.875% | $390,000 | 5.0% |
| NVR Mortgage Finance, Inc. | 35 | 5.990% | $435,000 | 34.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 32 | 6.163% | $385,000 | 18.4% |
| Suncoast Credit Union | 32 | 7.500% | $75,000 | 44.8% |
| TD Bank, National Association | 31 | 8.190% | $105,000 | 61.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 31 | 7.249% | $235,000 | 24.4% |
| 21st Mortgage Corporation | 30 | 10.280% | $85,000 | 76.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 30 | 7.125% | $335,000 | 26.2% |
| Waterstone Mortgage Corporation | 30 | 6.438% | $285,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 29 | 6.499% | $215,000 | 64.9% |
| Third Federal Savings and Loan Association of Cleveland | 28 | 6.990% | $110,000 | 52.2% |
| RMC HOME MORTGAGE, LLC | 28 | 6.125% | $325,000 | 15.2% |
| HOMEAMERICAN MORTGAGE CORPORATION | 28 | 4.625% | $475,000 | 6.5% |
| PENTAGON FEDERAL CREDIT UNION | 27 | 7.500% | $155,000 | 57.6% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 27 | 6.990% | $275,000 | 7.3% |
| Centennial Bank | 27 | 7.000% | $465,000 | 15.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 26 | 6.750% | $325,000 | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 25 | 7.875% | $125,000 | 73.7% |
| GEO-CORP, INC. | 25 | 6.625% | $375,000 | 10.7% |
| PLAZA HOME MORTGAGE, INC. | 25 | 6.490% | $285,000 | 39.0% |
| MORTGAGE EQUITY PARTNERS LLC | 25 | 6.624% | $365,000 | 7.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.125% | $180,000 | 21.2% |
| JMAC LENDING, INC. | 24 | 6.495% | $305,000 | 4.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 24 | 6.500% | $295,000 | 13.8% |
| Kiavi Funding, Inc. | 24 | 10.825% | $235,000 | 3.9% |
| UNION HOME MORTGAGE CORP. | 23 | 6.500% | $325,000 | 20.0% |
| BETTER MORTGAGE CORPORATION | 21 | 7.000% | $275,000 | 54.2% |
| Click n' Close, Inc. | 21 | 6.625% | $285,000 | 12.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 21 | 6.875% | $215,000 | 8.7% |
| Ixonia Bank | 20 | 6.688% | $345,000 | 16.7% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 20 | 7.188% | $270,000 | 0.0% |
| Equity Prime Mortgage LLC | 19 | 6.250% | $365,000 | 28.6% |
| RBC Bank, (Georgia) National Association | 19 | 5.750% | $355,000 | 29.6% |
| Lendage, LLC | 18 | 10.938% | $65,000 | 31.0% |
| CLEAREDGE LENDING LLC | 18 | 7.188% | $265,000 | 32.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 18 | 10.428% | $170,000 | 0.0% |
| MY MORTGAGE, INC. | 18 | 6.625% | $385,000 | 4.8% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 18 | 6.313% | $275,000 | 0.0% |
| Discover Bank | 17 | 8.280% | $65,000 | 83.5% |
| NEW DAY FINANCIAL, LLC | 17 | 6.990% | $335,000 | 63.0% |
| Citizens Bank, National Association | 17 | 7.900% | $105,000 | 64.3% |
| EVERETT FINANCIAL, INC. | 17 | 6.990% | $335,000 | 26.1% |
| AMERICAN HERITAGE LENDING, LLC | 17 | 7.250% | $265,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 17 | 6.500% | $315,000 | 12.5% |
| TRIAD FINANCIAL SERVICES, INC. | 16 | 9.175% | $75,000 | 71.6% |
| The Federal Savings Bank | 16 | 6.250% | $350,000 | 5.9% |
| SECURITYNATIONAL MORTGAGE COMPANY | 16 | 7.625% | $275,000 | 40.7% |
| INSPIRE HOME LOANS INC. | 16 | 4.875% | $295,000 | 20.0% |
| McCoy Federal Credit Union | 15 | Not published | $85,000 | 63.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 15 | 6.500% | $295,000 | 13.8% |
| CLIFFCO, INC. | 15 | 6.250% | $295,000 | 0.0% |
| 2549005Z23HAAZ6QDM98 | 15 | 7.250% | $215,000 | 0.0% |
| 2549005FUF02T1IFCA22 | 15 | 7.125% | $325,000 | 11.8% |
| GoodLeap, LLC | 14 | 7.950% | $60,000 | 42.9% |
| NEXERA HOLDING LLC | 14 | 7.125% | $315,000 | 12.5% |
| MATTAMY HOME FUNDING, LLC | 14 | 6.375% | $625,000 | 17.7% |
| RESICENTRAL, LLC | 14 | 6.490% | $330,000 | 16.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 14 | 6.433% | $360,000 | 17.7% |
| Intercredit Bank, National Association | 14 | Not published | $310,000 | 6.7% |
| PARK SQUARE HOME MORTGAGE, LLC | 14 | 4.990% | $375,000 | 6.7% |
| 254900M2C4Q6DATP2889 | 13 | 6.125% | $265,000 | 45.8% |
| GUARANTEED RATE AFFINITY, LLC | 13 | 6.125% | $395,000 | 12.5% |
| City Lending Inc. | 13 | 6.625% | $215,000 | 35.0% |
| FOUNDATION MORTGAGE CORPORATION | 13 | 7.250% | $395,000 | 21.1% |
| City National Bank of Florida | 13 | 6.125% | $285,000 | 6.7% |
| ALLIANT CREDIT UNION | 12 | 8.125% | $190,000 | 47.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.313% | $390,000 | 33.3% |
| Seacoast National Bank | 12 | 8.250% | $60,000 | 25.0% |
| POINT MORTGAGE CORPORATION | 12 | 7.125% | $350,000 | 0.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 12 | 6.933% | $325,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.990% | $155,000 | 25.0% |
| LOWER, LLC | 11 | 6.500% | $265,000 | 38.9% |
| Logan Finance Corporation | 11 | 7.749% | $405,000 | 15.4% |
| EMM LOANS LLC | 10 | 6.375% | $315,000 | 0.0% |
| T2 FINANCIAL LLC | 10 | 7.063% | $340,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 6.625% | $250,000 | 8.3% |
| Luminate Bank | 10 | 6.688% | $325,000 | 9.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 10 | 7.000% | $380,000 | 0.0% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 55.0% |
| Helm Bank USA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| 9845005BP6974AE5D838 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AAA CAPITAL INVESTMENT, INC. | 8 | Under 10 loans | Under 10 loans | 8.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 47.1% |
| VYSTAR CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 61.9% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 46.7% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 11.1% |
| LAUNCH CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Tomo Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NQM FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| MICHIGAN MUTUAL, INC. | 7 | Under 10 loans | Under 10 loans | 8.3% |
| General Mortgage Capital Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NEW WAVE LENDING GROUP INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Easy Street Capital, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 72.7% |
| Bethpage Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 56.3% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| 254900CTT87ZKAUTIJ37 | 6 | Under 10 loans | Under 10 loans | 25.0% |
| VISTA POINT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 36.4% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 8.3% |
| Bell Bank | 6 | Under 10 loans | Under 10 loans | 22.2% |
| LEADERONE FINANCIAL CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 73.7% |
| SOUTHWEST STAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 38.5% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Wings Financial Credit Union | 5 | Under 10 loans | Under 10 loans | 35.7% |
| COMMUNITY CREDIT UNION of FLORIDA | 5 | Under 10 loans | Under 10 loans | 37.5% |
| TOLL BROTHERS MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 22.2% |
| USF Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 397 lenders each made 5 or fewer mortgages here, and are counted in the totals above.
Bank branches in Osceola County
49 FDIC-insured branches from 14 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 8 | $809.8 million |
| Bank of America, National Association | 6 | $1.4 billion |
| JPMorgan Chase Bank, National Association | 5 | $957.5 million |
| SouthState Bank, National Association | 5 | $546.8 million |
| Wells Fargo Bank, National Association | 4 | $652.6 million |
| Regions Bank | 4 | $249.9 million |
| PNC Bank, National Association | 3 | $246.7 million |
| TD Bank, National Association | 3 | $222.8 million |
| Fifth Third Bank, National Association | 3 | $185.2 million |
| BankFlorida | 2 | $118.0 million |
| Centennial Bank | 2 | $60.8 million |
| TrustCo Bank | 2 | $34.5 million |
| Axiom Bank, National Association | 1 | $36.9 million |
| Woodforest National Bank | 1 | $2.2 million |
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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.