Home purchase lenders in Pinellas County
10,441 home purchase mortgages were made in Pinellas County, Florida, in 2025, by 636 lenders. The median rate their borrowers got was 6.625% on a median loan of $345,000. Of 12,449 decisions, 1,653 were denials — 13.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,283 | 6.500% | $335,000 | 10.2% |
| Rocket Mortgage, LLC | 483 | 6.500% | $325,000 | 16.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 477 | 6.750% | $345,000 | 2.0% |
| PENNYMAC LOAN SERVICES, LLC | 231 | 6.624% | $425,000 | 12.7% |
| MOVEMENT MORTGAGE, LLC | 177 | 6.625% | $325,000 | 3.2% |
| NEWREZ LLC | 175 | 6.500% | $375,000 | 9.6% |
| JPMorgan Chase Bank, National Association | 163 | 6.500% | $345,000 | 18.0% |
| Kiavi Funding, Inc. | 163 | 10.450% | $335,000 | 10.7% |
| EVERETT FINANCIAL, INC. | 163 | 6.750% | $295,000 | 3.6% |
| GUARANTEED RATE, INC. | 154 | 6.625% | $375,000 | 9.9% |
| Mortgage Research Center, LLC | 149 | 6.250% | $375,000 | 7.9% |
| CMG MORTGAGE, INC. | 139 | 6.625% | $345,000 | 4.8% |
| Bank of America, National Association | 138 | 6.125% | $325,000 | 25.7% |
| Suncoast Credit Union | 135 | 5.500% | $315,000 | 9.4% |
| Fairway Independent Mortgage Corporation | 134 | 6.750% | $305,000 | 9.4% |
| Navy Federal Credit Union | 131 | 6.250% | $345,000 | 13.8% |
| KIND LENDING, LLC | 126 | 6.688% | $355,000 | 20.3% |
| Truist Bank | 113 | 6.375% | $515,000 | 23.3% |
| A&D Mortgage LLC | 113 | 6.875% | $205,000 | 10.3% |
| VAN DYK MORTGAGE CORPORATION | 112 | 6.625% | $305,000 | 1.7% |
| NFM, INC. | 109 | 6.625% | $375,000 | 3.5% |
| LOWER, LLC | 105 | 6.624% | $325,000 | 7.9% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 103 | 6.750% | $355,000 | 5.5% |
| THE LOAN STORE, INC. | 98 | 6.750% | $355,000 | 8.6% |
| Paramount Residential Mortgage Group, Inc. | 95 | 6.625% | $335,000 | 9.5% |
| GUARANTEED RATE AFFINITY, LLC | 89 | 6.375% | $295,000 | 9.2% |
| Regions Bank | 87 | 6.375% | $345,000 | 28.1% |
| DHI MORTGAGE COMPANY, LTD. | 86 | 4.933% | $350,000 | 12.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 84 | 6.750% | $325,000 | 12.4% |
| UNION HOME MORTGAGE CORP. | 84 | 6.625% | $310,000 | 5.6% |
| JMAC LENDING, INC. | 81 | 6.490% | $375,000 | 0.0% |
| Click n' Close, Inc. | 80 | 7.000% | $315,000 | 2.4% |
| THE MORTGAGE FIRM, INC. | 80 | 6.875% | $335,000 | 0.0% |
| TOP FLITE FINANCIAL, INC. | 77 | 6.624% | $315,000 | 7.1% |
| GERSHMAN INVESTMENT CORP. | 75 | 6.625% | $375,000 | 7.3% |
| ZILLOW HOME LOANS, LLC | 74 | 6.625% | $320,000 | 9.5% |
| U.S. Bank National Association | 72 | 6.490% | $380,000 | 21.5% |
| LEGEND LENDING CORPORATION | 69 | 6.750% | $355,000 | 1.4% |
| Third Federal Savings and Loan Association of Cleveland | 67 | 6.340% | $255,000 | 17.9% |
| Broker Solutions, Inc. | 63 | 6.875% | $335,000 | 8.7% |
| 212 LOANS, LLC. | 62 | 11.990% | $290,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 60 | 6.625% | $335,000 | 3.2% |
| Fifth Third Bank, National Association | 59 | 6.375% | $405,000 | 28.9% |
| MIDFLORIDA | 58 | 6.375% | $340,000 | 37.2% |
| Wells Fargo Bank, National Association | 58 | 6.500% | $335,000 | 36.3% |
| Republic Bank & Trust Company | 56 | 5.370% | $330,000 | 1.8% |
| FBC MORTGAGE, LLC | 55 | 6.490% | $365,000 | 6.6% |
| ACHIEVA CREDIT UNION | 54 | 6.250% | $320,000 | 16.9% |
| SouthState Bank, National Association | 54 | 6.875% | $290,000 | 17.9% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 54 | 9.625% | $320,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 53 | 6.250% | $395,000 | 8.6% |
| GUILD MORTGAGE COMPANY | 49 | 6.750% | $315,000 | 5.3% |
| Plains Commerce Bank | 48 | 6.313% | $310,000 | 11.1% |
| Waterstone Mortgage Corporation | 48 | 6.500% | $275,000 | 2.0% |
| GTE Federal Credit Union | 47 | 6.375% | $355,000 | 9.6% |
| 21st Mortgage Corporation | 46 | 10.130% | $85,000 | 59.8% |
| Cornerstone First Mortgage, Inc | 44 | 6.500% | $345,000 | 2.2% |
| RESICENTRAL, LLC | 43 | 6.375% | $335,000 | 2.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 43 | 6.500% | $335,000 | 15.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 41 | 7.374% | $275,000 | 15.7% |
| Morgan Stanley Private Bank, National Association | 39 | 5.950% | $845,000 | 4.9% |
| PLAZA HOME MORTGAGE, INC. | 38 | 6.625% | $305,000 | 27.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 38 | 6.500% | $400,000 | 13.3% |
| AMWEST FUNDING CORP. | 38 | 6.875% | $290,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 38 | 6.990% | $335,000 | 7.3% |
| CHAMPIONS FUNDING, LLC | 37 | 7.750% | $315,000 | 19.6% |
| Bank OZK | 37 | 7.000% | $285,000 | 26.0% |
| HANCOCK WHITNEY BANK | 37 | 6.125% | $305,000 | 15.6% |
| GO MORTGAGE, LLC | 37 | 6.500% | $275,000 | 5.0% |
| Commerce Home Mortgage, Inc. | 33 | 7.500% | $405,000 | 5.7% |
| Bell Bank | 33 | 6.490% | $355,000 | 5.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 32 | 6.500% | $310,000 | 15.8% |
| Loan Funder LLC | 30 | 10.750% | $300,000 | 33.3% |
| First Horizon Bank | 30 | 6.500% | $555,000 | 11.8% |
| Hometown Equity Mortgage, LLC | 30 | 7.500% | $370,000 | 27.9% |
| LAKE MICHIGAN CREDIT UNION | 30 | 6.115% | $720,000 | 6.1% |
| BoxCar Mortgage, LLC | 30 | 6.625% | $335,000 | 3.0% |
| Filo Mortgage, L.L.C. | 29 | 6.490% | $425,000 | 8.8% |
| SECURITYNATIONAL MORTGAGE COMPANY | 29 | 6.500% | $275,000 | 9.4% |
| Grow Financial Federal Credit Union | 28 | 6.063% | $290,000 | 3.5% |
| TRIAD FINANCIAL SERVICES, INC. | 27 | 8.800% | $95,000 | 47.9% |
| USAA Federal Savings Bank | 27 | 6.125% | $405,000 | 40.0% |
| 254900CTT87ZKAUTIJ37 | 27 | 9.990% | $405,000 | 10.0% |
| LEADERONE FINANCIAL CORPORATION | 27 | 6.624% | $285,000 | 18.2% |
| Raymond James Bank | 27 | 5.625% | $655,000 | 10.0% |
| Synovus Bank | 26 | 6.125% | $240,000 | 10.3% |
| PREFERRED LENDING SERVICES, LLC | 26 | 6.750% | $295,000 | 3.6% |
| Citadel Servicing Corporation | 25 | 6.999% | $305,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 25 | 6.500% | $295,000 | 0.0% |
| CLEAREDGE LENDING LLC | 24 | 7.375% | $365,000 | 17.2% |
| OCMBC, INC. | 23 | 6.999% | $305,000 | 15.6% |
| PNC Bank, National Association | 23 | 6.750% | $315,000 | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 23 | 7.375% | $335,000 | 9.4% |
| EMM LOANS LLC | 23 | 6.750% | $295,000 | 11.1% |
| NATIONSTAR MORTGAGE LLC | 23 | 6.625% | $325,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 22 | 6.250% | $330,000 | 12.1% |
| BETTER MORTGAGE CORPORATION | 22 | 6.563% | $375,000 | 21.4% |
| HOMEXPRESS MORTGAGE CORP. | 22 | 7.250% | $285,000 | 31.3% |
| Loandepot.Com, LLC | 21 | 6.625% | $295,000 | 12.5% |
| Valley National Bank | 21 | 6.250% | $1,025,000 | 15.4% |
| Tomo Mortgage, LLC | 20 | 6.188% | $430,000 | 22.2% |
| The Bank of Tampa | 20 | Not published | $625,000 | 25.7% |
| DEEPHAVEN MORTGAGE LLC | 20 | 7.500% | $280,000 | 32.3% |
| Liberty | 20 | 6.438% | $535,000 | 4.8% |
| ISERVE RESIDENTIAL LENDING, LLC | 19 | 6.500% | $195,000 | 0.0% |
| PLANET HOME LENDING, LLC | 19 | 6.625% | $335,000 | 5.0% |
| Equity Prime Mortgage LLC | 18 | 6.750% | $345,000 | 10.0% |
| LIMA ONE CAPITAL, LLC | 18 | 9.000% | $380,000 | 33.3% |
| TOWNE MORTGAGE COMPANY | 18 | 6.313% | $330,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 6.490% | $395,000 | 5.6% |
| LENDSURE MORTGAGE CORP. | 17 | 7.375% | $425,000 | 4.2% |
| ALLIANT CREDIT UNION | 17 | 7.125% | $455,000 | 15.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 17 | 6.500% | $185,000 | 0.0% |
| ITHINK FINANCIAL Credit Union | 17 | 7.500% | $105,000 | 0.0% |
| TD Bank, National Association | 16 | 6.500% | $510,000 | 44.8% |
| Sierra Pacific Mortgage Company, Inc. | 16 | 6.933% | $280,000 | 20.0% |
| NBKC BANK | 16 | 6.500% | $480,000 | 11.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 16 | 6.875% | $255,000 | 15.8% |
| T2 FINANCIAL LLC | 16 | 6.875% | $335,000 | 10.5% |
| USF Federal Credit Union | 16 | 6.250% | $345,000 | 10.5% |
| EMBRACE HOME LOANS, INC. | 16 | 6.563% | $440,000 | 5.9% |
| Charles Schwab Bank, SSB | 16 | 5.525% | $500,000 | 11.1% |
| BayFirst National Bank | 15 | 8.000% | $255,000 | 44.8% |
| NEXERA HOLDING LLC | 15 | 7.250% | $325,000 | 15.8% |
| POINT MORTGAGE CORPORATION | 15 | 7.000% | $285,000 | 0.0% |
| NexBank | 15 | 6.875% | $375,000 | 11.8% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 14 | 8.300% | $115,000 | 42.5% |
| MICHIGAN MUTUAL, INC. | 14 | 6.875% | $305,000 | 17.4% |
| American Momentum Bank | 14 | Not published | $265,000 | 22.2% |
| Ixonia Bank | 14 | 6.625% | $310,000 | 0.0% |
| Seacoast National Bank | 14 | 7.000% | $400,000 | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 14 | 6.745% | $370,000 | 8.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 14 | 6.313% | $320,000 | 33.3% |
| First Federal Bank | 14 | 6.125% | $410,000 | 17.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 14 | 6.625% | $280,000 | 0.0% |
| DFCU FINANCIAL | 13 | 5.875% | $585,000 | 0.0% |
| Capital City Home Loans, LLC | 13 | 6.875% | $325,000 | 7.1% |
| NEW FED MORTGAGE, CORP. | 13 | 6.990% | $315,000 | 0.0% |
| Genesis Capital, LLC | 13 | 8.250% | $975,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 12 | 12.040% | $55,000 | 83.3% |
| Mortgage Right | 12 | 6.563% | $565,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.375% | $430,000 | 27.8% |
| Flagstar Bank, N.A. | 12 | 6.719% | $335,000 | 14.3% |
| NATIONS DIRECT MORTGAGE, LLC | 12 | 6.500% | $435,000 | 7.7% |
| CONVENTUS LLC | 12 | 9.745% | $350,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 12 | 6.558% | $465,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 11 | 6.490% | $455,000 | 4.8% |
| FIRST COLONY MORTGAGE CORPORATION | 11 | 6.625% | $305,000 | 6.7% |
| Citizens Bank, National Association | 11 | 6.875% | $565,000 | 38.9% |
| DOMINION FINANCIAL SERVICES, LLC | 11 | 11.000% | $405,000 | 0.0% |
| SELECT LENDING SERVICES LLC | 11 | 6.625% | $465,000 | 0.0% |
| Luminate Bank | 11 | 6.375% | $325,000 | 0.0% |
| Atlantic Coast Mortgage, LLC | 11 | 6.490% | $275,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.375% | $315,000 | 15.4% |
| The Huntington National Bank | 11 | 6.625% | $575,000 | 8.3% |
| AMERITRUST MORTGAGE CORPORATION | 10 | 6.875% | $450,000 | 9.1% |
| VISTA POINT MORTGAGE, LLC | 10 | 6.933% | $315,000 | 20.0% |
| FIRST HOME MORTGAGE CORPORATION | 10 | 6.625% | $600,000 | 16.7% |
| MY MORTGAGE, INC. | 10 | 6.625% | $330,000 | 0.0% |
| Citibank, National Association | 10 | 6.275% | $375,000 | 9.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 9.928% | $310,000 | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 10 | 10.625% | $265,000 | 0.0% |
| Cadence Bank | 10 | 7.125% | $325,000 | 0.0% |
| Stifel Bank and Trust | 10 | 6.000% | $425,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 35.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 37.5% |
| UBS Bank USA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| First Heritage Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| V.I.P. MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| BAY EQUITY LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| First National Bank of Pennsylvania | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NORWICH COMMERCIAL GROUP, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Presidential Bank, FSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Flagship Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| COUNTRYPLACE MORTGAGE, LTD. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BMO Bank National Association | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOME ACCESS FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 64.7% |
| BPL MORTGAGE TRUST, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Ameris Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 254900HL2VMAYA3J5494 | 6 | Under 10 loans | Under 10 loans | 25.0% |
| 5493000IRWB5WYTD2P48 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| STOCKTON MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 436 lenders each made 6 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.