Mortgage lenders in Sarasota County
12,534 mortgages were made in Sarasota County, Florida, in 2025, by 775 lenders. The median rate their borrowers got was 6.625% on a median loan of $285,000. Of 17,339 decisions, 4,098 were denials — 23.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 976 | 6.499% | $325,000 | 18.5% |
| Rocket Mortgage, LLC | 715 | 6.800% | $225,000 | 25.9% |
| Suncoast Credit Union | 374 | 7.250% | $105,000 | 22.4% |
| Taylor Morrison Home Funding, Inc. | 311 | 5.625% | $375,000 | 24.5% |
| Loandepot.Com, LLC | 287 | 6.125% | $325,000 | 25.3% |
| PENNYMAC LOAN SERVICES, LLC | 274 | 6.500% | $365,000 | 20.5% |
| Bank of America, National Association | 265 | 6.240% | $155,000 | 44.6% |
| PULTE MORTGAGE LLC | 265 | 5.500% | $375,000 | 8.3% |
| ACHIEVA CREDIT UNION | 224 | 7.250% | $105,000 | 27.6% |
| LENNAR MORTGAGE, LLC | 215 | 6.625% | $275,000 | 14.3% |
| Fifth Third Bank, National Association | 214 | 7.650% | $105,000 | 39.2% |
| Truist Bank | 211 | 6.590% | $155,000 | 38.9% |
| NEAL COMMUNITIES FUNDING, LLC | 210 | 6.125% | $415,000 | 8.3% |
| Third Federal Savings and Loan Association of Cleveland | 204 | 6.990% | $120,000 | 36.9% |
| JPMorgan Chase Bank, National Association | 198 | 6.500% | $295,000 | 18.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 195 | 6.825% | $345,000 | 8.3% |
| THE MORTGAGE FIRM, INC. | 178 | 6.750% | $275,000 | 1.5% |
| NEWREZ LLC | 150 | 6.813% | $315,000 | 30.8% |
| BayFirst National Bank | 143 | 7.500% | $125,000 | 21.1% |
| Regions Bank | 141 | 5.875% | $175,000 | 44.1% |
| SouthState Bank, National Association | 133 | 6.600% | $255,000 | 14.6% |
| GUARANTEED RATE AFFINITY, LLC | 122 | 6.750% | $315,000 | 7.5% |
| THE LOAN STORE, INC. | 116 | 6.990% | $285,000 | 18.7% |
| CMG MORTGAGE, INC. | 113 | 6.500% | $345,000 | 3.8% |
| TrustCo Bank | 110 | 5.875% | $165,000 | 18.8% |
| Mortgage Research Center, LLC | 106 | 6.125% | $330,000 | 32.9% |
| Wells Fargo Bank, National Association | 105 | 6.375% | $300,000 | 19.9% |
| U.S. Bank National Association | 102 | 6.375% | $420,000 | 25.9% |
| GUILD MORTGAGE COMPANY | 97 | 6.500% | $245,000 | 7.8% |
| Navy Federal Credit Union | 96 | 7.250% | $225,000 | 42.9% |
| MATTAMY HOME FUNDING, LLC | 94 | 5.625% | $295,000 | 6.0% |
| M/I FINANCIAL, LLC | 92 | 5.875% | $425,000 | 0.8% |
| Broker Solutions, Inc. | 86 | 6.750% | $285,000 | 12.0% |
| PNC Bank, National Association | 86 | 7.640% | $155,000 | 40.5% |
| Fairway Independent Mortgage Corporation | 85 | 6.875% | $325,000 | 11.3% |
| Kiavi Funding, Inc. | 80 | 10.950% | $245,000 | 15.5% |
| NATIONSTAR MORTGAGE LLC | 79 | 6.990% | $165,000 | 16.2% |
| FREEDOM MORTGAGE CORPORATION | 77 | 6.250% | $355,000 | 19.3% |
| CHAMPIONS FUNDING, LLC | 77 | 7.500% | $295,000 | 19.6% |
| MOVEMENT MORTGAGE, LLC | 70 | 6.750% | $280,000 | 10.5% |
| NFM, INC. | 69 | 6.375% | $345,000 | 12.7% |
| T2 FINANCIAL LLC | 69 | 7.125% | $335,000 | 7.9% |
| GUARANTEED RATE, INC. | 67 | 6.750% | $355,000 | 9.3% |
| FIGURE LENDING LLC | 66 | 8.675% | $65,000 | 34.9% |
| Citizens Bank, National Association | 64 | 7.575% | $205,000 | 37.0% |
| EVERETT FINANCIAL, INC. | 63 | 6.625% | $285,000 | 14.5% |
| FBC MORTGAGE, LLC | 61 | 5.990% | $455,000 | 1.6% |
| TOLL BROTHERS MORTGAGE COMPANY | 60 | 6.433% | $425,000 | 10.4% |
| Northpointe Bank | 59 | 7.250% | $415,000 | 3.3% |
| A&D Mortgage LLC | 58 | 6.933% | $280,000 | 10.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 58 | 9.900% | $130,000 | 11.9% |
| ZILLOW HOME LOANS, LLC | 53 | 6.625% | $285,000 | 5.2% |
| JMAC LENDING, INC. | 50 | 6.625% | $335,000 | 2.0% |
| Luminate Bank | 49 | 7.125% | $305,000 | 7.4% |
| KIND LENDING, LLC | 48 | 6.875% | $365,000 | 32.4% |
| UNION HOME MORTGAGE CORP. | 48 | 6.625% | $345,000 | 9.4% |
| LAKE MICHIGAN CREDIT UNION | 47 | 6.490% | $355,000 | 9.4% |
| Morgan Stanley Private Bank, National Association | 47 | 5.975% | $695,000 | 1.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 47 | 6.875% | $285,000 | 7.8% |
| Coastal Community Bank | 46 | 9.990% | $35,000 | 4.6% |
| Cornerstone First Mortgage, Inc | 46 | 6.625% | $295,000 | 8.0% |
| LOWER, LLC | 45 | 6.500% | $275,000 | 10.0% |
| Cogent Bank | 45 | Not published | $395,000 | 6.0% |
| FAIRWAY FUNDING GROUP, INC. | 45 | 6.750% | $315,000 | 4.3% |
| MIDFLORIDA | 44 | 6.313% | $180,000 | 45.9% |
| Paramount Residential Mortgage Group, Inc. | 43 | 6.625% | $305,000 | 10.4% |
| SPRING EQ, LLC | 41 | 9.275% | $75,000 | 74.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 40 | 6.750% | $305,000 | 0.0% |
| COASTAL LOANS, LLC | 40 | 4.990% | $315,000 | 4.8% |
| PANORAMA MORTGAGE GROUP, LLC | 40 | 6.313% | $305,000 | 0.0% |
| First Horizon Bank | 39 | 6.750% | $255,000 | 27.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 37 | 6.625% | $265,000 | 17.8% |
| AmeriSave Mortgage Corporation | 36 | 8.188% | $100,000 | 70.5% |
| LAKEVIEW LOAN SERVICING, LLC | 36 | 6.250% | $245,000 | 63.8% |
| TD Bank, National Association | 36 | 7.440% | $210,000 | 42.9% |
| Commerce Home Mortgage, Inc. | 36 | 7.625% | $425,000 | 12.2% |
| DEEPHAVEN MORTGAGE LLC | 36 | 7.500% | $225,000 | 38.3% |
| AMWEST FUNDING CORP. | 35 | 7.000% | $285,000 | 2.8% |
| Crews Bank & Trust | 32 | Not published | $325,000 | 7.7% |
| Plains Commerce Bank | 31 | 6.500% | $275,000 | 8.8% |
| FINANCE OF AMERICA REVERSE LLC | 30 | 6.563% | $215,000 | 18.4% |
| Bank OZK | 29 | 5.990% | $105,000 | 47.5% |
| Ixonia Bank | 29 | 6.750% | $315,000 | 3.3% |
| EVERENCE FEDERAL CREDIT UNION | 28 | 5.490% | $200,000 | 17.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 27 | 7.499% | $305,000 | 20.0% |
| DHI MORTGAGE COMPANY, LTD. | 27 | 4.990% | $265,000 | 18.2% |
| DOMINION FINANCIAL SERVICES, LLC | 27 | 8.000% | $185,000 | 0.0% |
| Charles Schwab Bank, SSB | 27 | 5.550% | $815,000 | 12.9% |
| BMO Bank National Association | 26 | 8.065% | $200,000 | 59.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 26 | 6.499% | $220,000 | 46.5% |
| OCMBC, INC. | 26 | 7.313% | $335,000 | 26.1% |
| PENTAGON FEDERAL CREDIT UNION | 26 | 6.313% | $210,000 | 41.3% |
| AMERICAN HERITAGE LENDING, LLC | 26 | 7.500% | $315,000 | 10.0% |
| HOMEXPRESS MORTGAGE CORP. | 26 | 7.250% | $270,000 | 40.4% |
| Mortgage Right | 26 | 6.625% | $320,000 | 7.1% |
| USAA Federal Savings Bank | 25 | 6.125% | $335,000 | 30.6% |
| INSPIRE HOME LOANS INC. | 25 | 4.875% | $275,000 | 19.4% |
| GERSHMAN INVESTMENT CORP. | 25 | 6.500% | $275,000 | 10.7% |
| Seacoast National Bank | 24 | 7.250% | $305,000 | 36.8% |
| RMC HOME MORTGAGE, LLC | 23 | 6.625% | $315,000 | 17.9% |
| Synovus Bank | 22 | 7.975% | $225,000 | 45.5% |
| Citadel Servicing Corporation | 22 | 7.375% | $255,000 | 3.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 22 | 6.625% | $340,000 | 19.4% |
| RBC Bank, (Georgia) National Association | 22 | 5.625% | $325,000 | 18.5% |
| SUCCESS MORTGAGE PARTNERS, INC. | 22 | 6.500% | $320,000 | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 22 | 6.875% | $335,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 21 | 6.990% | $285,000 | 22.2% |
| GTE Federal Credit Union | 21 | 6.250% | $135,000 | 36.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 21 | 6.750% | $315,000 | 22.2% |
| PLAZA HOME MORTGAGE, INC. | 21 | 6.875% | $285,000 | 41.7% |
| BETTER MORTGAGE CORPORATION | 20 | 7.375% | $260,000 | 54.4% |
| Liberty Savings Bank, F.S.B. | 20 | 6.438% | $105,000 | 54.6% |
| Hometown Equity Mortgage, LLC | 20 | 7.500% | $285,000 | 51.2% |
| The Huntington National Bank | 20 | 6.500% | $365,000 | 23.1% |
| CALCON MUTUAL MORTGAGE LLC | 20 | 6.875% | $305,000 | 4.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 20 | 6.125% | $370,000 | 4.8% |
| AMERICAN FINANCIAL RESOURCES, INC. | 20 | 6.563% | $305,000 | 9.1% |
| Easy Street Capital, LLC | 20 | 9.900% | $255,000 | 0.0% |
| Stifel Bank and Trust | 20 | 5.938% | $665,000 | 0.0% |
| Filo Mortgage, L.L.C. | 19 | 6.875% | $335,000 | 12.5% |
| Centennial Bank | 19 | 7.500% | $225,000 | 9.5% |
| Liberty | 19 | 7.000% | $405,000 | 5.0% |
| The Bank of Tampa | 19 | Not published | $685,000 | 13.0% |
| SPACE COAST CREDIT UNION | 18 | 4.745% | $205,000 | 30.3% |
| HANCOCK WHITNEY BANK | 18 | 6.688% | $270,000 | 25.0% |
| Lendage, LLC | 18 | 11.750% | $70,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 18 | 8.500% | $320,000 | 14.3% |
| RESICENTRAL, LLC | 18 | 6.375% | $380,000 | 5.3% |
| UBS Bank USA | 17 | 5.875% | $1,005,000 | 15.0% |
| USF Federal Credit Union | 16 | 6.438% | $105,000 | 52.9% |
| Equity Prime Mortgage LLC | 16 | 6.625% | $290,000 | 0.0% |
| ALLIANT CREDIT UNION | 16 | 7.625% | $280,000 | 36.0% |
| Flagstar Bank, N.A. | 16 | 6.774% | $245,000 | 22.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 16 | 6.990% | $355,000 | 5.6% |
| NBKC BANK | 16 | 6.433% | $470,000 | 5.9% |
| FLORIDA CENTRAL CREDIT UNION | 16 | 4.990% | $110,000 | 5.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 15 | 5.750% | $385,000 | 27.0% |
| Cadence Bank | 15 | 6.875% | $345,000 | 33.3% |
| The Federal Savings Bank | 15 | 6.625% | $295,000 | 11.8% |
| Manufacturers and Traders Trust Company | 15 | 5.990% | $285,000 | 11.8% |
| PHH Mortgage Corporation | 14 | 6.490% | $240,000 | 28.6% |
| Prosperity Home Mortgage, LLC | 14 | 6.625% | $265,000 | 26.3% |
| Click n' Close, Inc. | 14 | 6.750% | $250,000 | 33.3% |
| Valley National Bank | 14 | 6.283% | $575,000 | 28.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 14 | 6.750% | $295,000 | 16.7% |
| Bell Bank | 14 | 6.375% | $455,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 13 | 7.125% | $345,000 | 17.4% |
| VISTA POINT MORTGAGE, LLC | 13 | 7.250% | $505,000 | 15.8% |
| NQM FUNDING, LLC | 13 | 7.374% | $435,000 | 22.2% |
| First Heritage Mortgage, LLC | 13 | 6.250% | $285,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 12 | 6.245% | $280,000 | 21.1% |
| Tomo Mortgage, LLC | 12 | 6.500% | $300,000 | 7.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 12 | 10.375% | $615,000 | 20.0% |
| First National Bank of Pennsylvania | 12 | 6.433% | $455,000 | 25.0% |
| United Community Bank | 12 | 6.500% | $650,000 | 20.0% |
| SELECT LENDING SERVICES LLC | 12 | 6.500% | $310,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 12 | 7.313% | $275,000 | 7.7% |
| GRACE HOME LENDING, LLC | 12 | 3.990% | $405,000 | 0.0% |
| The Dart Bank | 12 | 6.750% | $465,000 | 7.7% |
| Raymond James Bank | 12 | 5.500% | $670,000 | 0.0% |
| ServisFirst Bank | 12 | 7.313% | $585,000 | 0.0% |
| Discover Bank | 11 | 8.460% | $65,000 | 89.2% |
| AMERICAN FINANCING CORPORATION | 11 | 6.750% | $215,000 | 63.6% |
| LONGBRIDGE FINANCIAL, LLC | 11 | 6.125% | $195,000 | 35.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 6.000% | $245,000 | 11.8% |
| Logan Finance Corporation | 11 | 7.249% | $355,000 | 20.0% |
| PLANET HOME LENDING, LLC | 11 | 6.500% | $245,000 | 25.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 11 | 6.625% | $285,000 | 20.0% |
| SmartFi Home Loans, LLC | 11 | 8.990% | $175,000 | 21.4% |
| THE EQUITABLE MORTGAGE CORPORATION | 11 | 6.125% | $395,000 | 8.3% |
| GENEVA FINANCIAL, LLC | 11 | 6.875% | $325,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 10 | 6.990% | $265,000 | 61.3% |
| GoodLeap, LLC | 10 | 6.063% | $185,000 | 45.8% |
| NEXERA HOLDING LLC | 10 | 7.375% | $365,000 | 28.6% |
| Home Mortgage Alliance Corporation (HMAC) | 10 | 7.500% | $265,000 | 14.3% |
| Citibank, National Association | 10 | 6.188% | $550,000 | 16.7% |
| FlexPoint, Inc. | 10 | 7.750% | $310,000 | 6.7% |
| LENDSURE MORTGAGE CORP. | 10 | 7.563% | $380,000 | 7.7% |
| Synergy One Lending, Inc. | 10 | 6.875% | $320,000 | 28.6% |
| CONSUMER REAL ESTATE FINANCE CO. | 10 | 6.433% | $370,000 | 9.1% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 10 | 7.375% | $315,000 | 0.0% |
| STG MORTGAGE INC | 9 | Under 10 loans | Under 10 loans | 15.4% |
| FOUNDATION MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 12.5% |
| DFCU FINANCIAL | 9 | Under 10 loans | Under 10 loans | 35.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Union Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TOWNE MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 8.3% |
| LENDINGONE, LLC | 8 | Under 10 loans | Under 10 loans | 70.4% |
| MISSION LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Valon Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 37.5% |
| QUORUM FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 47.1% |
| CLEAREDGE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | 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 575 lenders each made 8 or fewer mortgages here, and are counted in the totals above.
Bank branches in Sarasota County
140 FDIC-insured branches from 36 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
8 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- American Momentum Bank, 3939 Mcintosh Rd, Sarasota
- BayFirst National Bank, 2033 Main St, Ste 101, Sarasota
- Cadence Bank, 25 S Links Ave, Sarasota
- Cadence Bank, 8592 Potter Park Dr, Ste 200, Sarasota
- Synovus Bank, 101 Center Rd, Venice
- Synovus Bank, 1605 Main St, Sarasota
- Synovus Bank, 4775 S Tamiami Trl, Sarasota
- Synovus Bank, 8444 S Tamiami Trl, Sarasota
Get told when this changes
When the next year’s lending figures are out for Sarasota 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.