Mortgage lenders in Pasco County
18,899 mortgages were made in Pasco County, Florida, in 2025, by 652 lenders. The median rate their borrowers got was 6.490% on a median loan of $265,000. Of 26,327 decisions, 6,314 were denials — 24.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,898 | 6.250% | $295,000 | 14.9% |
| LENNAR MORTGAGE, LLC | 1,298 | 4.625% | $315,000 | 18.7% |
| Rocket Mortgage, LLC | 1,152 | 6.625% | $215,000 | 21.1% |
| DHI MORTGAGE COMPANY, LTD. | 1,045 | 4.990% | $345,000 | 11.0% |
| Suncoast Credit Union | 854 | 7.250% | $85,000 | 21.4% |
| PENNYMAC LOAN SERVICES, LLC | 401 | 6.499% | $305,000 | 17.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 336 | 6.625% | $280,000 | 8.7% |
| M/I FINANCIAL, LLC | 310 | 5.375% | $465,000 | 2.5% |
| PULTE MORTGAGE LLC | 276 | 5.500% | $455,000 | 18.5% |
| Taylor Morrison Home Funding, Inc. | 253 | 5.625% | $445,000 | 16.5% |
| Navy Federal Credit Union | 252 | 7.750% | $135,000 | 37.9% |
| Bank of America, National Association | 247 | 6.250% | $115,000 | 49.2% |
| FREEDOM MORTGAGE CORPORATION | 246 | 6.250% | $335,000 | 17.0% |
| Truist Bank | 236 | 6.750% | $155,000 | 43.1% |
| GUARANTEED RATE, INC. | 230 | 5.990% | $365,000 | 11.7% |
| NEWREZ LLC | 219 | 6.625% | $295,000 | 35.1% |
| Mortgage Research Center, LLC | 210 | 6.250% | $320,000 | 37.2% |
| CMG MORTGAGE, INC. | 205 | 6.000% | $375,000 | 4.9% |
| Third Federal Savings and Loan Association of Cleveland | 196 | 6.990% | $95,000 | 45.9% |
| Regions Bank | 196 | 5.313% | $95,000 | 45.3% |
| Click n' Close, Inc. | 196 | 7.250% | $245,000 | 5.3% |
| Loandepot.Com, LLC | 186 | 6.750% | $165,000 | 31.6% |
| MIDFLORIDA | 181 | 6.375% | $95,000 | 46.6% |
| Broker Solutions, Inc. | 170 | 6.750% | $235,000 | 18.6% |
| KBHS HOME LOANS, LLC | 156 | 5.750% | $335,000 | 8.7% |
| Fairway Independent Mortgage Corporation | 154 | 6.625% | $275,000 | 10.9% |
| ACHIEVA CREDIT UNION | 152 | 7.250% | $105,000 | 29.0% |
| TRAILBLAZER MORTGAGE L.L.C. | 150 | 4.990% | $245,000 | 4.4% |
| GTE Federal Credit Union | 145 | 6.875% | $105,000 | 33.2% |
| JPMorgan Chase Bank, National Association | 142 | 6.490% | $265,000 | 18.5% |
| THE LOAN STORE, INC. | 141 | 6.875% | $245,000 | 14.4% |
| Paramount Residential Mortgage Group, Inc. | 137 | 6.500% | $295,000 | 4.2% |
| Fifth Third Bank, National Association | 136 | 7.900% | $115,000 | 41.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 130 | 5.990% | $315,000 | 10.3% |
| THE MORTGAGE FIRM, INC. | 130 | 6.750% | $285,000 | 2.8% |
| MOVEMENT MORTGAGE, LLC | 125 | 6.500% | $255,000 | 9.3% |
| NATIONSTAR MORTGAGE LLC | 124 | 7.558% | $115,000 | 21.0% |
| PNC Bank, National Association | 118 | 7.700% | $105,000 | 29.9% |
| FBC MORTGAGE, LLC | 117 | 5.250% | $365,000 | 3.3% |
| EVERETT FINANCIAL, INC. | 113 | 6.625% | $265,000 | 13.9% |
| KIND LENDING, LLC | 105 | 6.500% | $295,000 | 27.9% |
| SouthState Bank, National Association | 97 | 7.125% | $200,000 | 20.3% |
| Coastal Community Bank | 96 | 9.615% | $45,000 | 2.8% |
| SPRING EQ, LLC | 93 | 9.275% | $85,000 | 64.7% |
| UNION HOME MORTGAGE CORP. | 92 | 6.625% | $275,000 | 9.5% |
| FIGURE LENDING LLC | 87 | 8.850% | $65,000 | 33.8% |
| JMAC LENDING, INC. | 82 | 6.313% | $305,000 | 1.2% |
| LAKEVIEW LOAN SERVICING, LLC | 75 | 6.490% | $255,000 | 58.4% |
| MATTAMY HOME FUNDING, LLC | 75 | 5.500% | $375,000 | 6.3% |
| POINT MORTGAGE CORPORATION | 74 | 6.750% | $245,000 | 3.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 72 | 10.470% | $105,000 | 19.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 71 | 6.490% | $255,000 | 19.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 70 | 6.813% | $275,000 | 18.0% |
| VAN DYK MORTGAGE CORPORATION | 69 | 6.625% | $285,000 | 4.2% |
| NFM, INC. | 69 | 6.625% | $355,000 | 1.4% |
| AmeriSave Mortgage Corporation | 64 | 8.375% | $95,000 | 70.4% |
| Equity Prime Mortgage LLC | 63 | 6.500% | $245,000 | 18.2% |
| LOWER, LLC | 63 | 6.500% | $275,000 | 14.3% |
| USF Federal Credit Union | 62 | 5.875% | $190,000 | 29.5% |
| NVR Mortgage Finance, Inc. | 61 | 5.990% | $285,000 | 19.7% |
| TrustCo Bank | 58 | 6.125% | $460,000 | 27.8% |
| Citizens Bank, National Association | 58 | 7.900% | $140,000 | 29.3% |
| A&D Mortgage LLC | 57 | 7.490% | $285,000 | 11.9% |
| Commerce Home Mortgage, Inc. | 57 | 7.375% | $275,000 | 13.6% |
| GUILD MORTGAGE COMPANY | 57 | 6.500% | $255,000 | 7.4% |
| Grow Financial Federal Credit Union | 56 | 8.250% | $105,000 | 13.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 55 | 6.500% | $235,000 | 49.4% |
| U.S. Bank National Association | 55 | 7.125% | $215,000 | 55.3% |
| ZILLOW HOME LOANS, LLC | 55 | 6.490% | $275,000 | 13.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 53 | 5.875% | $325,000 | 24.6% |
| MY MORTGAGE, INC. | 52 | 6.563% | $285,000 | 1.8% |
| Easy Street Capital, LLC | 52 | 9.900% | $175,000 | 0.0% |
| Wells Fargo Bank, National Association | 51 | 6.500% | $245,000 | 35.0% |
| PLANET HOME LENDING, LLC | 51 | 6.250% | $235,000 | 12.9% |
| AMERICAN FINANCIAL RESOURCES, INC. | 50 | 6.375% | $255,000 | 5.7% |
| Cornerstone First Mortgage, Inc | 49 | 6.375% | $235,000 | 5.8% |
| GUARANTEED RATE AFFINITY, LLC | 48 | 6.500% | $290,000 | 7.7% |
| 21st Mortgage Corporation | 47 | 8.950% | $135,000 | 78.0% |
| Republic Bank & Trust Company | 47 | 5.990% | $125,000 | 15.3% |
| GERSHMAN INVESTMENT CORP. | 47 | 6.625% | $325,000 | 2.0% |
| TD Bank, National Association | 45 | 7.440% | $175,000 | 45.9% |
| CHAMPIONS FUNDING, LLC | 44 | 7.875% | $210,000 | 25.4% |
| Kiavi Funding, Inc. | 44 | 10.370% | $205,000 | 17.5% |
| HANCOCK WHITNEY BANK | 43 | 6.000% | $255,000 | 21.8% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 42 | 6.438% | $215,000 | 5.8% |
| Plains Commerce Bank | 41 | 6.250% | $245,000 | 25.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 41 | 6.625% | $255,000 | 12.5% |
| TOP FLITE FINANCIAL, INC. | 40 | 6.490% | $255,000 | 7.0% |
| Synovus Bank | 40 | 6.063% | $190,000 | 23.1% |
| NEW DAY FINANCIAL, LLC | 38 | 6.990% | $270,000 | 54.6% |
| BETTER MORTGAGE CORPORATION | 38 | 7.933% | $180,000 | 50.6% |
| PLAZA HOME MORTGAGE, INC. | 38 | 6.875% | $220,000 | 41.8% |
| AMERITRUST MORTGAGE CORPORATION | 38 | 6.625% | $275,000 | 7.3% |
| Lendage, LLC | 38 | 10.813% | $60,000 | 21.2% |
| AMWEST FUNDING CORP. | 37 | 7.250% | $265,000 | 5.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 37 | 6.625% | $255,000 | 7.5% |
| Discover Bank | 35 | 8.000% | $75,000 | 78.6% |
| GoodLeap, LLC | 35 | 7.125% | $75,000 | 29.2% |
| OCMBC, INC. | 35 | 7.250% | $265,000 | 17.0% |
| First Horizon Bank | 35 | 6.500% | $365,000 | 2.8% |
| TIDEWATER MORTGAGE SERVICES, INC. | 34 | 6.500% | $210,000 | 10.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 33 | 7.749% | $265,000 | 13.2% |
| PENTAGON FEDERAL CREDIT UNION | 32 | 6.438% | $220,000 | 42.9% |
| HOMEXPRESS MORTGAGE CORP. | 32 | 7.500% | $215,000 | 42.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 31 | 7.490% | $125,000 | 27.9% |
| TRIAD FINANCIAL SERVICES, INC. | 30 | 8.700% | $70,000 | 50.0% |
| SPACE COAST CREDIT UNION | 30 | 5.000% | $155,000 | 34.8% |
| BayFirst National Bank | 30 | 7.500% | $105,000 | 36.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 30 | 6.438% | $275,000 | 26.1% |
| LEADERONE FINANCIAL CORPORATION | 30 | 6.750% | $215,000 | 14.3% |
| FINANCE OF AMERICA REVERSE LLC | 29 | 6.625% | $125,000 | 3.3% |
| SAN ANTONIO CITIZENS | 28 | 7.000% | $125,000 | 27.5% |
| BoxCar Mortgage, LLC | 27 | 6.433% | $275,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 26 | 6.313% | $360,000 | 18.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 26 | 6.625% | $310,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 26 | 7.438% | $235,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 26 | 5.933% | $495,000 | 6.7% |
| DFCU FINANCIAL | 26 | 6.125% | $195,000 | 6.9% |
| EMBRACE HOME LOANS, INC. | 26 | 6.625% | $280,000 | 0.0% |
| 212 LOANS, LLC. | 25 | 11.990% | $205,000 | 0.0% |
| USAA Federal Savings Bank | 24 | 6.375% | $335,000 | 42.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 24 | 6.250% | $285,000 | 7.4% |
| RESICENTRAL, LLC | 23 | 6.125% | $365,000 | 0.0% |
| LEGEND LENDING CORPORATION | 23 | 6.750% | $235,000 | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 22 | 6.245% | $330,000 | 14.8% |
| EMM LOANS LLC | 21 | 6.500% | $255,000 | 12.0% |
| Liberty | 21 | 6.625% | $285,000 | 4.6% |
| Hometown Equity Mortgage, LLC | 20 | 6.750% | $260,000 | 62.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 19 | 5.125% | $355,000 | 51.2% |
| DEEPHAVEN MORTGAGE LLC | 19 | 7.750% | $365,000 | 47.2% |
| Ameris Bank | 19 | 6.490% | $445,000 | 13.6% |
| RMC HOME MORTGAGE, LLC | 19 | 6.490% | $285,000 | 9.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 19 | 7.750% | $285,000 | 8.7% |
| LoanUnited.com, LLC | 18 | 5.875% | $365,000 | 28.0% |
| QUORUM FEDERAL CREDIT UNION | 17 | 8.375% | $135,000 | 35.3% |
| EQUITY RESOURCES, INC. | 17 | 6.625% | $265,000 | 10.5% |
| MORTGAGEONE, INC. | 17 | 6.125% | $265,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 17 | 7.750% | $345,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 16 | 6.188% | $245,000 | 33.3% |
| Tomo Mortgage, LLC | 16 | 6.375% | $300,000 | 15.0% |
| Seacoast National Bank | 16 | 7.063% | $300,000 | 33.3% |
| Ixonia Bank | 16 | 6.625% | $340,000 | 15.8% |
| Wolfe Financial, Inc | 16 | 6.490% | $380,000 | 0.0% |
| Valon Mortgage, Inc. | 15 | 7.950% | $65,000 | 28.6% |
| PREFERRED LENDING SERVICES, LLC | 15 | 6.875% | $335,000 | 0.0% |
| PHH Mortgage Corporation | 14 | 6.375% | $245,000 | 30.0% |
| Citadel Servicing Corporation | 14 | 7.875% | $235,000 | 3.6% |
| Filo Mortgage, L.L.C. | 14 | 6.624% | $365,000 | 21.1% |
| KEYSTONE FUNDING, INC. | 14 | 6.563% | $335,000 | 19.1% |
| Sierra Pacific Mortgage Company, Inc. | 14 | 6.688% | $240,000 | 6.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 13 | 6.375% | $295,000 | 13.3% |
| The Federal Savings Bank | 13 | 6.750% | $235,000 | 13.3% |
| MICHIGAN MUTUAL, INC. | 13 | 6.990% | $265,000 | 0.0% |
| Waterstone Mortgage Corporation | 13 | 6.625% | $255,000 | 13.3% |
| NATIONS DIRECT MORTGAGE, LLC | 13 | 6.500% | $265,000 | 7.1% |
| Florida Credit Union | 12 | 5.990% | $60,000 | 76.0% |
| Luminate Bank | 12 | 6.624% | $340,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 12 | 6.375% | $225,000 | 26.3% |
| 254900CTT87ZKAUTIJ37 | 12 | 9.620% | $165,000 | 23.5% |
| Bell Bank | 12 | 6.875% | $400,000 | 14.3% |
| Capital City Home Loans, LLC | 12 | 7.125% | $345,000 | 7.7% |
| Cadence Bank | 12 | 7.000% | $180,000 | 20.0% |
| FLORIDA CENTRAL CREDIT UNION | 12 | 7.000% | $70,000 | 7.7% |
| Centennial Bank | 11 | 6.625% | $205,000 | 35.3% |
| The Bank of Tampa | 11 | Not published | $235,000 | 47.6% |
| JET HOMELOANS, LP | 11 | 5.990% | $465,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 11 | 6.625% | $285,000 | 7.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 11 | 6.500% | $295,000 | 17.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 9.865% | $205,000 | 0.0% |
| NBKC BANK | 11 | 5.875% | $335,000 | 15.4% |
| First National Bank of America | 11 | 9.240% | $235,000 | 26.7% |
| CLEARPATH LENDING | 11 | 5.875% | $405,000 | 8.3% |
| HOME ACCESS FINANCIAL, LLC | 11 | 6.750% | $295,000 | 0.0% |
| ALLIANT CREDIT UNION | 10 | 8.375% | $125,000 | 60.7% |
| NEXERA HOLDING LLC | 10 | 7.688% | $475,000 | 28.6% |
| First Federal Bank | 10 | 5.750% | $465,000 | 23.1% |
| Loan Funder LLC | 10 | 10.625% | $185,000 | 44.4% |
| Flagstar Bank, N.A. | 10 | 6.625% | $305,000 | 23.1% |
| FIRST COLONY MORTGAGE CORPORATION | 10 | 6.625% | $275,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 10 | 6.688% | $210,000 | 23.1% |
| LONGBRIDGE FINANCIAL, LLC | 10 | 6.188% | $150,000 | 26.7% |
| LOANFLIGHT LENDING, LLC | 10 | 6.250% | $475,000 | 16.7% |
| Reliable Holdings Manager dba Lendz Financial | 10 | 6.938% | $195,000 | 0.0% |
| RBC Bank, (Georgia) National Association | 10 | 5.563% | $240,000 | 0.0% |
| GRACE HOME LENDING, LLC | 10 | 4.490% | $555,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 63.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 26.7% |
| Manufacturers and Traders Trust Company | 9 | Under 10 loans | Under 10 loans | 50.0% |
| Bank OZK | 9 | Under 10 loans | Under 10 loans | 57.1% |
| Valley National Bank | 9 | Under 10 loans | Under 10 loans | 33.3% |
| T2 FINANCIAL LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| LIMA ONE CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NexBank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TOWNE MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Brannen Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 9 | 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 452 lenders each made 9 or fewer mortgages here, and are counted in the totals above.
Bank branches in Pasco County
86 FDIC-insured branches from 19 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 17 | $1.6 billion |
| Wells Fargo Bank, National Association | 11 | $1.6 billion |
| JPMorgan Chase Bank, National Association | 9 | $1.2 billion |
| Bank of America, National Association | 8 | $1.5 billion |
| Fifth Third Bank, National Association | 7 | $516.3 million |
| Regions Bank | 6 | $473.7 million |
| TD Bank, National Association | 4 | $306.7 million |
| First National Bank of Pasco | 4 | $234.1 million |
| Centennial Bank | 3 | $539.5 million |
| SouthState Bank, National Association | 3 | $331.6 million |
| PNC Bank, National Association | 3 | $222.6 million |
| Pinnacle Bank | 3 | $168.5 million |
| BankFlorida | 2 | $179.8 million |
| Third Federal Savings and Loan Association of Cleveland | 1 | $191.6 million |
| Bank OZK | 1 | $118.7 million |
| The Huntington National Bank | 1 | $72.5 million |
| Republic Bank & Trust Company | 1 | $67.8 million |
| Flagship Bank | 1 | $45.3 million |
| Citizens Bank and Trust | 1 | $8.8 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 4010 Little Rd, New Port Richey
- Synovus Bank, 10820 Sr 54, Trinity
- Synovus Bank, 2145 Cypress Ridge Blvd, Ste 101, Wesley Chapel
- Synovus Bank, 6435 Ridge Rd, Port Richey
Get told when this changes
When the next year’s lending figures are out for Pasco 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.