Mortgage lenders in Putnam County
1,393 mortgages were made in Putnam County, Florida, in 2025, by 257 lenders. The median rate their borrowers got was 6.750% on a median loan of $185,000. Of 2,321 decisions, 833 were denials — 35.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 141 | 6.250% | $225,000 | 15.5% |
| Rocket Mortgage, LLC | 114 | 6.813% | $160,000 | 31.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 98 | 6.750% | $200,000 | 7.6% |
| VYSTAR CREDIT UNION | 80 | 6.813% | $85,000 | 54.3% |
| 21st Mortgage Corporation | 49 | 9.210% | $175,000 | 71.9% |
| UNION HOME MORTGAGE CORP. | 39 | 6.625% | $255,000 | 11.1% |
| Equity Prime Mortgage LLC | 38 | 6.625% | $190,000 | 7.3% |
| Mortgage Research Center, LLC | 33 | 6.250% | $265,000 | 36.5% |
| Ameris Bank | 30 | 6.750% | $200,000 | 16.7% |
| Broker Solutions, Inc. | 29 | 6.500% | $175,000 | 9.1% |
| SouthState Bank, National Association | 25 | 7.150% | $115,000 | 31.6% |
| INSPIRE HOME LOANS INC. | 21 | 4.875% | $225,000 | 8.0% |
| Navy Federal Credit Union | 19 | 7.500% | $125,000 | 34.5% |
| PENNYMAC LOAN SERVICES, LLC | 19 | 6.250% | $255,000 | 13.0% |
| GUILD MORTGAGE COMPANY | 18 | 6.063% | $205,000 | 5.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 18 | 6.188% | $180,000 | 5.3% |
| Loandepot.Com, LLC | 17 | 6.990% | $145,000 | 43.3% |
| Capital City Bank | 16 | 6.990% | $70,000 | 37.9% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 16 | 6.625% | $185,000 | 11.1% |
| GUARANTEED RATE, INC. | 15 | 6.624% | $175,000 | 6.3% |
| NEWREZ LLC | 14 | 6.688% | $240,000 | 39.1% |
| TRIAD FINANCIAL SERVICES, INC. | 13 | 8.670% | $125,000 | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 13 | 6.375% | $155,000 | 12.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 13 | 6.500% | $155,000 | 6.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 5.875% | $185,000 | 0.0% |
| PLANET HOME LENDING, LLC | 12 | 6.250% | $285,000 | 20.0% |
| Truist Bank | 11 | 6.250% | $225,000 | 35.3% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.490% | $215,000 | 8.3% |
| Florida Credit Union | 10 | 6.188% | $135,000 | 73.0% |
| CMG MORTGAGE, INC. | 10 | 6.938% | $170,000 | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | 6.875% | $155,000 | 16.7% |
| EMM LOANS LLC | 10 | 6.375% | $220,000 | 9.1% |
| KIND LENDING, LLC | 10 | 6.625% | $265,000 | 28.6% |
| SOUTHWEST STAGE FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 8 | Under 10 loans | Under 10 loans | 90.2% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 73.5% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 60.0% |
| TD Bank, National Association | 8 | Under 10 loans | Under 10 loans | 46.7% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 9.1% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 55.6% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 56.5% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 36.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| BARWICK BANKING COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 5 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Capital City Home Loans, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MIDFLORIDA | 3 | Under 10 loans | Under 10 loans | 78.6% |
| Radiant Credit Union | 3 | Under 10 loans | Under 10 loans | 60.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE FINANCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Seacoast National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 77.8% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 60.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPACE COAST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Truliant Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Guaranty Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PARTNERS Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| IncredibleBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Trustmark National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BayFirst National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FLORIDA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grow Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Troy Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Taylor Morrison Home Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MDE HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RadiFi Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 85.7% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 57 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Putnam County
9 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| SouthState Bank, National Association | 2 | $331.2 million |
| Capital City Bank | 2 | $197.4 million |
| Ameris Bank | 2 | $173.1 million |
| TD Bank, National Association | 1 | $140.0 million |
| Barwick Banking Company | 1 | $81.6 million |
| DLP Bank | 1 | $24.4 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.