Home purchase lenders in Pasco County
12,079 home purchase mortgages were made in Pasco County, Florida, in 2025, by 522 lenders. The median rate their borrowers got was 6.189% on a median loan of $315,000. Of 14,518 decisions, 2,093 were denials — 14.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 1,298 | 4.625% | $315,000 | 18.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,298 | 6.402% | $285,000 | 12.1% |
| DHI MORTGAGE COMPANY, LTD. | 1,044 | 4.990% | $345,000 | 11.0% |
| Rocket Mortgage, LLC | 379 | 6.500% | $285,000 | 16.7% |
| M/I FINANCIAL, LLC | 310 | 5.375% | $465,000 | 2.5% |
| PULTE MORTGAGE LLC | 276 | 5.500% | $455,000 | 18.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 264 | 6.625% | $295,000 | 4.7% |
| Taylor Morrison Home Funding, Inc. | 253 | 5.625% | $445,000 | 16.5% |
| GUARANTEED RATE, INC. | 199 | 5.625% | $385,000 | 9.1% |
| Click n' Close, Inc. | 192 | 7.250% | $245,000 | 5.4% |
| CMG MORTGAGE, INC. | 188 | 6.000% | $375,000 | 4.5% |
| PENNYMAC LOAN SERVICES, LLC | 183 | 6.499% | $375,000 | 11.9% |
| Suncoast Credit Union | 177 | 5.375% | $295,000 | 11.0% |
| Mortgage Research Center, LLC | 174 | 6.500% | $305,000 | 14.5% |
| KBHS HOME LOANS, LLC | 156 | 5.750% | $335,000 | 8.1% |
| TRAILBLAZER MORTGAGE L.L.C. | 150 | 4.990% | $245,000 | 4.4% |
| Fairway Independent Mortgage Corporation | 138 | 6.625% | $280,000 | 10.4% |
| Paramount Residential Mortgage Group, Inc. | 130 | 6.500% | $295,000 | 3.7% |
| Broker Solutions, Inc. | 129 | 6.750% | $245,000 | 9.7% |
| NEWREZ LLC | 123 | 6.625% | $305,000 | 13.4% |
| THE MORTGAGE FIRM, INC. | 123 | 6.750% | $285,000 | 2.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 122 | 5.990% | $320,000 | 9.4% |
| FBC MORTGAGE, LLC | 113 | 5.250% | $365,000 | 3.4% |
| MOVEMENT MORTGAGE, LLC | 110 | 6.500% | $255,000 | 6.2% |
| EVERETT FINANCIAL, INC. | 100 | 6.625% | $265,000 | 13.6% |
| KIND LENDING, LLC | 88 | 6.563% | $300,000 | 23.9% |
| JPMorgan Chase Bank, National Association | 83 | 6.490% | $295,000 | 10.6% |
| FREEDOM MORTGAGE CORPORATION | 82 | 6.250% | $315,000 | 16.3% |
| Navy Federal Credit Union | 81 | 6.125% | $345,000 | 18.0% |
| THE LOAN STORE, INC. | 81 | 6.490% | $315,000 | 4.5% |
| SouthState Bank, National Association | 78 | 7.125% | $215,000 | 14.1% |
| JMAC LENDING, INC. | 76 | 6.250% | $305,000 | 0.0% |
| Loandepot.Com, LLC | 75 | 4.990% | $325,000 | 16.3% |
| UNION HOME MORTGAGE CORP. | 75 | 6.625% | $295,000 | 8.4% |
| MATTAMY HOME FUNDING, LLC | 75 | 5.500% | $375,000 | 6.3% |
| POINT MORTGAGE CORPORATION | 74 | 6.750% | $245,000 | 3.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 64 | 6.875% | $275,000 | 15.2% |
| Truist Bank | 64 | 6.275% | $375,000 | 15.8% |
| NFM, INC. | 63 | 6.750% | $355,000 | 1.5% |
| Bank of America, National Association | 61 | 6.250% | $235,000 | 27.4% |
| NVR Mortgage Finance, Inc. | 61 | 5.990% | $285,000 | 19.7% |
| VAN DYK MORTGAGE CORPORATION | 60 | 6.625% | $295,000 | 4.8% |
| LOWER, LLC | 56 | 6.562% | $270,000 | 3.4% |
| ZILLOW HOME LOANS, LLC | 55 | 6.490% | $275,000 | 13.9% |
| Commerce Home Mortgage, Inc. | 52 | 7.375% | $275,000 | 11.9% |
| MY MORTGAGE, INC. | 51 | 6.500% | $275,000 | 1.8% |
| GUILD MORTGAGE COMPANY | 50 | 6.500% | $255,000 | 8.2% |
| Cornerstone First Mortgage, Inc | 49 | 6.375% | $235,000 | 5.8% |
| GTE Federal Credit Union | 48 | 6.188% | $310,000 | 15.8% |
| 21st Mortgage Corporation | 47 | 8.950% | $135,000 | 76.4% |
| GERSHMAN INVESTMENT CORP. | 47 | 6.625% | $325,000 | 2.0% |
| Regions Bank | 46 | 6.125% | $290,000 | 17.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 45 | 6.375% | $255,000 | 6.3% |
| MIDFLORIDA | 43 | 6.375% | $315,000 | 36.8% |
| A&D Mortgage LLC | 42 | 7.125% | $285,000 | 10.4% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 42 | 6.438% | $215,000 | 5.8% |
| GUARANTEED RATE AFFINITY, LLC | 42 | 6.500% | $295,000 | 4.6% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 40 | 6.688% | $255,000 | 12.8% |
| Plains Commerce Bank | 39 | 6.250% | $235,000 | 25.9% |
| Kiavi Funding, Inc. | 39 | 10.490% | $215,000 | 17.7% |
| Equity Prime Mortgage LLC | 37 | 6.625% | $235,000 | 19.6% |
| AMERITRUST MORTGAGE CORPORATION | 34 | 6.563% | $275,000 | 5.6% |
| TOP FLITE FINANCIAL, INC. | 34 | 6.375% | $285,000 | 8.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 34 | 6.433% | $375,000 | 2.8% |
| Wells Fargo Bank, National Association | 33 | 6.500% | $285,000 | 24.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 33 | 6.750% | $255,000 | 5.7% |
| OCMBC, INC. | 32 | 7.250% | $290,000 | 7.7% |
| TIDEWATER MORTGAGE SERVICES, INC. | 32 | 6.500% | $220,000 | 8.6% |
| Synovus Bank | 31 | 6.000% | $205,000 | 16.2% |
| HANCOCK WHITNEY BANK | 30 | 6.250% | $305,000 | 6.3% |
| TRIAD FINANCIAL SERVICES, INC. | 29 | 8.670% | $65,000 | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 29 | 6.990% | $245,000 | 37.5% |
| LEADERONE FINANCIAL CORPORATION | 27 | 6.750% | $215,000 | 15.6% |
| First Horizon Bank | 27 | 6.500% | $405,000 | 3.6% |
| BoxCar Mortgage, LLC | 27 | 6.433% | $275,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 26 | 7.688% | $255,000 | 25.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 26 | 5.933% | $495,000 | 0.0% |
| PLANET HOME LENDING, LLC | 25 | 6.500% | $225,000 | 10.7% |
| 212 LOANS, LLC. | 25 | 11.990% | $205,000 | 0.0% |
| Fifth Third Bank, National Association | 24 | 6.625% | $275,000 | 35.1% |
| Third Federal Savings and Loan Association of Cleveland | 23 | 6.190% | $205,000 | 20.6% |
| EMBRACE HOME LOANS, INC. | 23 | 6.500% | $275,000 | 0.0% |
| TrustCo Bank | 22 | 6.313% | $530,000 | 14.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 22 | 6.375% | $365,000 | 15.4% |
| AMWEST FUNDING CORP. | 22 | 6.875% | $265,000 | 4.2% |
| U.S. Bank National Association | 21 | 6.375% | $375,000 | 23.3% |
| RESICENTRAL, LLC | 21 | 6.125% | $395,000 | 0.0% |
| LEGEND LENDING CORPORATION | 21 | 6.750% | $235,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 21 | 6.625% | $305,000 | 0.0% |
| PNC Bank, National Association | 20 | 6.500% | $260,000 | 20.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 19 | 5.125% | $355,000 | 51.2% |
| RMC HOME MORTGAGE, LLC | 19 | 6.490% | $285,000 | 9.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 19 | 6.250% | $265,000 | 9.1% |
| USAA Federal Savings Bank | 18 | 6.375% | $395,000 | 43.8% |
| Ameris Bank | 18 | 6.490% | $445,000 | 10.0% |
| LAKE MICHIGAN CREDIT UNION | 18 | 6.120% | $380,000 | 5.0% |
| USF Federal Credit Union | 18 | 6.313% | $315,000 | 10.0% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.563% | $245,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 17 | 6.750% | $255,000 | 41.4% |
| HOMEXPRESS MORTGAGE CORP. | 17 | 7.625% | $215,000 | 37.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 17 | 6.125% | $335,000 | 24.0% |
| ACHIEVA CREDIT UNION | 17 | 5.875% | $375,000 | 22.7% |
| Citizens Bank, National Association | 17 | 6.490% | $355,000 | 10.5% |
| EMM LOANS LLC | 17 | 6.375% | $255,000 | 10.5% |
| Tomo Mortgage, LLC | 16 | 6.375% | $300,000 | 15.0% |
| TD Bank, National Association | 16 | 6.500% | $395,000 | 38.5% |
| SAN ANTONIO CITIZENS | 16 | 7.125% | $135,000 | 15.8% |
| Grow Financial Federal Credit Union | 16 | 5.875% | $295,000 | 11.1% |
| Liberty | 16 | 6.250% | $310,000 | 0.0% |
| Republic Bank & Trust Company | 15 | 4.250% | $235,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 15 | 7.250% | $225,000 | 23.8% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 14 | 7.624% | $290,000 | 17.7% |
| KEYSTONE FUNDING, INC. | 14 | 6.563% | $335,000 | 21.1% |
| MORTGAGEONE, INC. | 14 | 6.250% | $265,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 14 | 7.750% | $350,000 | 0.0% |
| PREFERRED LENDING SERVICES, LLC | 14 | 6.875% | $360,000 | 0.0% |
| EQUITY RESOURCES, INC. | 14 | 6.563% | $275,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 13 | 7.750% | $405,000 | 45.8% |
| Waterstone Mortgage Corporation | 13 | 6.625% | $255,000 | 13.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 13 | 6.490% | $315,000 | 22.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 13 | 7.750% | $285,000 | 6.7% |
| BETTER MORTGAGE CORPORATION | 12 | 6.375% | $365,000 | 33.3% |
| MICHIGAN MUTUAL, INC. | 12 | 7.058% | $255,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 12 | 6.375% | $225,000 | 26.3% |
| AMERICAN HERITAGE LENDING, LLC | 12 | 7.750% | $210,000 | 0.0% |
| Wolfe Financial, Inc | 12 | 6.490% | $410,000 | 0.0% |
| Bell Bank | 12 | 6.875% | $400,000 | 14.3% |
| PENTAGON FEDERAL CREDIT UNION | 11 | 6.125% | $345,000 | 42.1% |
| JET HOMELOANS, LP | 11 | 5.990% | $465,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 11 | 6.500% | $275,000 | 8.3% |
| Luminate Bank | 10 | 6.624% | $340,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 10 | 9.990% | $165,000 | 21.4% |
| Ixonia Bank | 10 | 6.688% | $355,000 | 16.7% |
| Filo Mortgage, L.L.C. | 10 | 6.500% | $365,000 | 8.3% |
| Capital City Home Loans, LLC | 10 | 7.500% | $345,000 | 9.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 10 | 6.438% | $300,000 | 14.3% |
| HOME ACCESS FINANCIAL, LLC | 10 | 6.750% | $305,000 | 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 | 60.7% |
| Citadel Servicing Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Seacoast National Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Brannen Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| RBC Bank, (Georgia) National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPACE COAST CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| GENEVA FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MLD MORTGAGE INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 10.0% |
| LOANFLIGHT LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Raymond James Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GENWAY HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| STG MORTGAGE INC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank of America | 7 | Under 10 loans | Under 10 loans | 36.4% |
| VYSTAR CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 11.1% |
| PARK SQUARE HOME MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Reliable Holdings Manager dba Lendz Financial | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 22.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SELECT LENDING SERVICES LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 5 | Under 10 loans | Under 10 loans | 54.6% |
| DIGITAL | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| NQM FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Strong Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | 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 322 lenders each made 5 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.