Mortgage lenders in Santa Rosa County
6,358 mortgages were made in Santa Rosa County, Florida, in 2025, by 434 lenders. The median rate their borrowers got was 6.375% on a median loan of $285,000. Of 8,611 decisions, 1,878 were denials — 21.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Navy Federal Credit Union | 513 | 7.375% | $195,000 | 26.0% |
| DHI MORTGAGE COMPANY, LTD. | 467 | 4.750% | $325,000 | 19.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 450 | 6.120% | $345,000 | 13.2% |
| Rocket Mortgage, LLC | 444 | 6.625% | $225,000 | 21.3% |
| University Bank | 284 | 6.250% | $365,000 | 2.7% |
| Regions Bank | 214 | 4.990% | $130,000 | 36.8% |
| LENNAR MORTGAGE, LLC | 198 | 4.500% | $295,000 | 10.8% |
| Mortgage Research Center, LLC | 176 | 6.250% | $355,000 | 32.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 137 | 6.500% | $345,000 | 2.8% |
| Pen Air Credit Union | 123 | 7.990% | $105,000 | 38.5% |
| PENNYMAC LOAN SERVICES, LLC | 112 | 6.188% | $275,000 | 20.1% |
| MOVEMENT MORTGAGE, LLC | 109 | 6.500% | $305,000 | 4.7% |
| FREEDOM MORTGAGE CORPORATION | 108 | 6.250% | $320,000 | 13.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 96 | 6.500% | $335,000 | 5.8% |
| CMG MORTGAGE, INC. | 80 | 6.000% | $350,000 | 5.6% |
| GUILD MORTGAGE COMPANY | 76 | 6.250% | $285,000 | 4.7% |
| Fairway Independent Mortgage Corporation | 76 | 6.250% | $245,000 | 13.6% |
| Gulf Winds Credit Union | 75 | 7.750% | $125,000 | 19.4% |
| Synovus Bank | 73 | 7.500% | $205,000 | 30.2% |
| COASTAL LOANS, LLC | 73 | 4.990% | $355,000 | 1.3% |
| THE MORTGAGE FIRM, INC. | 70 | 6.750% | $285,000 | 2.5% |
| NEWREZ LLC | 65 | 6.250% | $315,000 | 22.1% |
| Loandepot.Com, LLC | 62 | 6.490% | $230,000 | 22.2% |
| NATIONSTAR MORTGAGE LLC | 61 | 8.125% | $105,000 | 8.6% |
| Ameris Bank | 53 | 6.250% | $305,000 | 8.6% |
| Broker Solutions, Inc. | 45 | 6.750% | $195,000 | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 44 | 6.490% | $310,000 | 15.1% |
| Eglin Credit Union | 43 | Not published | $95,000 | 12.2% |
| GUARANTEED RATE AFFINITY, LLC | 41 | 6.250% | $305,000 | 2.4% |
| GUARANTEED RATE, INC. | 39 | 6.500% | $315,000 | 7.0% |
| Bank of America, National Association | 38 | 6.490% | $115,000 | 35.0% |
| Renasant Bank | 37 | 7.250% | $295,000 | 11.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 36 | 6.438% | $250,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 35 | 6.625% | $205,000 | 42.3% |
| DSLD MORTGAGE, LLC | 34 | 5.990% | $345,000 | 8.1% |
| FBC MORTGAGE, LLC | 33 | 5.990% | $335,000 | 2.9% |
| FIGURE LENDING LLC | 32 | 8.675% | $65,000 | 27.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 31 | 6.625% | $265,000 | 43.6% |
| Truist Bank | 31 | 6.975% | $235,000 | 39.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 29 | 8.990% | $125,000 | 69.8% |
| SouthState Bank, National Association | 29 | 6.500% | $225,000 | 27.5% |
| Waterstone Mortgage Corporation | 28 | 6.563% | $365,000 | 3.5% |
| 21st Mortgage Corporation | 26 | 9.170% | $140,000 | 71.6% |
| Coastal Community Bank | 25 | 10.490% | $45,000 | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 24 | 6.500% | $295,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 23 | 6.875% | $355,000 | 22.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 23 | 5.750% | $335,000 | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 23 | 6.500% | $285,000 | 28.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 23 | 7.375% | $315,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 23 | 6.000% | $375,000 | 0.0% |
| AmeriSave Mortgage Corporation | 22 | 7.813% | $80,000 | 68.1% |
| USAA Federal Savings Bank | 22 | 6.313% | $380,000 | 43.9% |
| Centennial Bank | 22 | 7.250% | $270,000 | 23.3% |
| KIND LENDING, LLC | 21 | 6.625% | $365,000 | 24.1% |
| UNION HOME MORTGAGE CORP. | 21 | 5.990% | $275,000 | 0.0% |
| SPRING EQ, LLC | 20 | 9.600% | $75,000 | 67.6% |
| THE LOAN STORE, INC. | 20 | 7.563% | $175,000 | 15.2% |
| FIRST COLONY MORTGAGE CORPORATION | 20 | 6.250% | $320,000 | 4.6% |
| Kiavi Funding, Inc. | 19 | 10.240% | $235,000 | 48.7% |
| Cadence Bank | 19 | 6.500% | $265,000 | 20.8% |
| Paramount Residential Mortgage Group, Inc. | 19 | 6.250% | $355,000 | 0.0% |
| PNC Bank, National Association | 18 | 7.380% | $125,000 | 41.9% |
| Equity Prime Mortgage LLC | 18 | 6.500% | $260,000 | 25.0% |
| Wells Fargo Bank, National Association | 18 | 6.625% | $255,000 | 30.8% |
| NBKC BANK | 18 | 5.813% | $370,000 | 5.3% |
| MEMBERS FIRST CREDIT UNION OF FLORIDA | 18 | Not published | $85,000 | 9.5% |
| City National Bank of Florida | 18 | 6.062% | $225,000 | 5.3% |
| SANTA ROSA COUNTY FEDERAL CREDIT UNION | 18 | 6.990% | $80,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 17 | 6.250% | $265,000 | 15.0% |
| Lendage, LLC | 17 | 11.750% | $65,000 | 5.6% |
| HANCOCK WHITNEY BANK | 16 | 7.675% | $250,000 | 33.3% |
| ServisFirst Bank | 16 | 7.188% | $250,000 | 11.1% |
| CANOPY MORTGAGE, LLC | 16 | 6.250% | $395,000 | 0.0% |
| Citizens Bank, National Association | 15 | 8.400% | $135,000 | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.625% | $215,000 | 26.1% |
| SUMMIT FUNDING, INC. | 15 | 6.375% | $335,000 | 21.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 15 | 6.500% | $355,000 | 11.8% |
| PLANET HOME LENDING, LLC | 15 | 5.625% | $315,000 | 11.8% |
| DAS Acquisition Company, LLC | 14 | 6.750% | $200,000 | 10.5% |
| Trustmark National Bank | 14 | 6.438% | $505,000 | 21.1% |
| ZILLOW HOME LOANS, LLC | 14 | 6.688% | $295,000 | 6.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 7.250% | $145,000 | 18.8% |
| Manufacturers and Traders Trust Company | 13 | 4.500% | $275,000 | 22.2% |
| INSPIRE HOME LOANS INC. | 13 | 4.875% | $295,000 | 11.8% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 7.375% | $295,000 | 31.6% |
| PRINCETON MORTGAGE CORPORATION | 12 | 6.433% | $315,000 | 7.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 9.520% | $180,000 | 14.3% |
| LoanUnited.com, LLC | 11 | 5.500% | $385,000 | 7.7% |
| U.S. Bank National Association | 11 | 7.875% | $225,000 | 50.0% |
| EVERETT FINANCIAL, INC. | 11 | 6.375% | $295,000 | 8.3% |
| SOUTHWEST STAGE FUNDING, LLC | 10 | 6.250% | $200,000 | 25.0% |
| Third Federal Savings and Loan Association of Cleveland | 10 | 6.990% | $130,000 | 56.5% |
| GoodLeap, LLC | 10 | 5.990% | $125,000 | 40.9% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.750% | $320,000 | 0.0% |
| Ixonia Bank | 10 | 6.563% | $300,000 | 0.0% |
| First Federal Bank | 10 | 5.870% | $455,000 | 9.1% |
| 254900M2C4Q6DATP2889 | 9 | Under 10 loans | Under 10 loans | 40.0% |
| United Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| MSA MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BankPlus | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FIDELITY BANK | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 79.0% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 35.7% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| HARVESTERS FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Plains Commerce Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Valon Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 30.8% |
| Assurance Financial Group, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 71.4% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Community Bank of Mississippi | 6 | Under 10 loans | Under 10 loans | 42.9% |
| FirstBank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 20.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ONE OF THE SOUTH, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 52.6% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 68.2% |
| STOCKTON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BoxCar Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MIDFLORIDA | 4 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Union Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Trust Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bell Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 16.7% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| GMFS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMETRUST MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SmartBank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| LADERA LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loyalty Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Tyndall Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Gulf Coast Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | 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 234 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Santa Rosa County
23 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Regions Bank | 5 | $641.7 million |
| United Bank | 3 | $210.3 million |
| Pinnacle Bank | 3 | $189.9 million |
| Hancock Whitney Bank | 2 | $188.1 million |
| Truist Bank | 2 | $155.4 million |
| Renasant Bank | 2 | $47.6 million |
| SouthState Bank, National Association | 1 | $115.8 million |
| Bank of America, National Association | 1 | $101.7 million |
| Wells Fargo Bank, National Association | 1 | $96.6 million |
| Centennial Bank | 1 | $60.8 million |
| PNC Bank, National Association | 1 | $37.7 million |
| FNBT BANK | 1 | $14.9 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Synovus Bank, 10 Daniel Dr, Gulf Breeze
- Synovus Bank, 4811 Highway 90, Pace
- Synovus Bank, 8390 Navarre Pkwy, Navarre
Get told when this changes
When the next year’s lending figures are out for Santa Rosa 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.