Mortgage lenders in Walton County
3,902 mortgages were made in Walton County, Florida, in 2025, by 564 lenders. The median rate their borrowers got was 6.625% on a median loan of $395,000. Of 5,418 decisions, 1,283 were denials — 23.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 232 | 6.488% | $415,000 | 16.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 191 | 6.750% | $395,000 | 3.0% |
| DHI MORTGAGE COMPANY, LTD. | 182 | 4.990% | $325,000 | 25.6% |
| Rocket Mortgage, LLC | 169 | 6.750% | $275,000 | 24.7% |
| Regions Bank | 115 | 5.500% | $285,000 | 35.8% |
| DSLD MORTGAGE, LLC | 92 | 5.990% | $395,000 | 2.1% |
| Trustmark National Bank | 91 | 6.750% | $315,000 | 13.5% |
| ALL IN FEDERAL CREDIT UNION | 78 | 7.500% | $120,000 | 41.9% |
| Community Bank of Mississippi | 71 | 7.000% | $465,000 | 6.3% |
| Cadence Bank | 67 | 6.875% | $435,000 | 13.8% |
| 21st Mortgage Corporation | 62 | 9.075% | $155,000 | 66.3% |
| Renasant Bank | 56 | 7.500% | $305,000 | 13.4% |
| SouthState Bank, National Association | 55 | 6.375% | $505,000 | 13.9% |
| PENNYMAC LOAN SERVICES, LLC | 47 | 6.499% | $425,000 | 23.4% |
| JPMorgan Chase Bank, National Association | 46 | 6.125% | $1,140,000 | 11.1% |
| United Community Bank | 41 | 6.500% | $455,000 | 40.5% |
| MOVEMENT MORTGAGE, LLC | 40 | 6.500% | $390,000 | 2.2% |
| Fairway Independent Mortgage Corporation | 38 | 7.125% | $545,000 | 5.0% |
| NEWREZ LLC | 36 | 6.563% | $335,000 | 41.9% |
| FREEDOM MORTGAGE CORPORATION | 36 | 6.250% | $365,000 | 17.0% |
| Citizens Bank, National Association | 36 | 6.625% | $710,000 | 32.1% |
| BankPlus | 36 | 6.813% | $500,000 | 15.6% |
| Mortgage Research Center, LLC | 34 | 6.250% | $295,000 | 26.1% |
| Bank of America, National Association | 32 | 5.750% | $1,035,000 | 41.8% |
| Truist Bank | 32 | 6.308% | $520,000 | 39.3% |
| Navy Federal Credit Union | 31 | 7.750% | $215,000 | 42.1% |
| Northpointe Bank | 30 | 6.938% | $435,000 | 11.8% |
| FBC MORTGAGE, LLC | 29 | 5.625% | $375,000 | 3.3% |
| HANCOCK WHITNEY BANK | 27 | 6.875% | $505,000 | 30.0% |
| Waterstone Mortgage Corporation | 27 | 6.750% | $325,000 | 15.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 26 | 6.563% | $320,000 | 10.3% |
| 254900HL2VMAYA3J5494 | 25 | 7.375% | $755,000 | 12.5% |
| Ameris Bank | 25 | 6.750% | $365,000 | 7.4% |
| Eglin Credit Union | 25 | Not published | $135,000 | 0.0% |
| Centennial Bank | 23 | 6.625% | $555,000 | 11.5% |
| T2 FINANCIAL LLC | 23 | 7.125% | $465,000 | 8.0% |
| U.S. Bank National Association | 22 | 6.375% | $465,000 | 41.0% |
| HOMEXPRESS MORTGAGE CORP. | 22 | 6.999% | $590,000 | 25.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 22 | 6.250% | $305,000 | 8.3% |
| THE LOAN STORE, INC. | 21 | 7.250% | $485,000 | 13.8% |
| CMG MORTGAGE, INC. | 21 | 6.625% | $475,000 | 4.2% |
| DEEPHAVEN MORTGAGE LLC | 21 | 9.750% | $375,000 | 30.0% |
| University Bank | 21 | 6.750% | $355,000 | 4.6% |
| Loandepot.Com, LLC | 20 | 6.870% | $220,000 | 33.3% |
| Wells Fargo Bank, National Association | 20 | 5.875% | $625,000 | 33.3% |
| Morgan Stanley Private Bank, National Association | 20 | 5.675% | $1,425,000 | 12.5% |
| Capital City Home Loans, LLC | 20 | 6.688% | $630,000 | 13.0% |
| ServisFirst Bank | 20 | 7.000% | $1,410,000 | 0.0% |
| GUARANTEED RATE, INC. | 19 | 6.875% | $365,000 | 9.5% |
| Tyndall Federal Credit Union | 19 | 6.500% | $95,000 | 32.1% |
| Broker Solutions, Inc. | 18 | 6.688% | $390,000 | 35.7% |
| Synovus Bank | 18 | 6.388% | $770,000 | 18.2% |
| PNB Community Bank | 18 | Not published | $255,000 | 13.6% |
| Charles Schwab Bank, SSB | 18 | 5.375% | $1,025,000 | 21.7% |
| FIGURE LENDING LLC | 17 | 9.400% | $155,000 | 36.0% |
| INSPIRE HOME LOANS INC. | 17 | 5.250% | $195,000 | 10.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 17 | 6.500% | $245,000 | 10.5% |
| CANOPY MORTGAGE, LLC | 16 | 5.990% | $340,000 | 5.9% |
| First Horizon Bank | 16 | 6.625% | $860,000 | 0.0% |
| PNC Bank, National Association | 15 | 7.000% | $745,000 | 44.8% |
| Fifth Third Bank, National Association | 15 | 6.500% | $675,000 | 30.4% |
| COASTAL LOANS, LLC | 15 | 4.990% | $455,000 | 0.0% |
| NFM, INC. | 15 | 6.500% | $475,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 15 | 6.990% | $605,000 | 11.1% |
| LENDSURE MORTGAGE CORP. | 15 | 7.625% | $315,000 | 0.0% |
| SPRING EQ, LLC | 14 | 9.075% | $105,000 | 48.4% |
| Hometown Equity Mortgage, LLC | 14 | 7.375% | $410,000 | 54.6% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 5.938% | $485,000 | 36.4% |
| NATIONSTAR MORTGAGE LLC | 14 | 8.625% | $105,000 | 33.3% |
| A&D Mortgage LLC | 14 | 7.683% | $325,000 | 17.7% |
| CHAMPIONS FUNDING, LLC | 14 | 7.875% | $720,000 | 36.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 14 | 7.624% | $1,050,000 | 25.0% |
| Equity Prime Mortgage LLC | 14 | 6.750% | $195,000 | 12.5% |
| UBS Bank USA | 14 | 5.875% | $895,000 | 0.0% |
| Pinnacle Bank | 13 | 6.500% | $1,505,000 | 21.1% |
| KIND LENDING, LLC | 13 | 6.625% | $405,000 | 18.8% |
| BoxCar Mortgage, LLC | 13 | 6.750% | $635,000 | 7.1% |
| BETTER MORTGAGE CORPORATION | 12 | 7.375% | $365,000 | 40.0% |
| VYSTAR CREDIT UNION | 12 | 5.875% | $785,000 | 33.3% |
| AmeriSave Mortgage Corporation | 11 | 7.375% | $145,000 | 72.5% |
| Citibank, National Association | 11 | 5.750% | $1,575,000 | 8.3% |
| Citadel Servicing Corporation | 11 | 7.625% | $585,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 11 | 5.990% | $495,000 | 7.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 7.000% | $245,000 | 7.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 8.625% | $135,000 | 75.5% |
| Assurance Financial Group, L.L.C. | 10 | 6.625% | $320,000 | 9.1% |
| ARC HOME LLC | 10 | 6.813% | $330,000 | 9.1% |
| TD Bank, National Association | 10 | 6.250% | $705,000 | 9.1% |
| SmartBank | 10 | 7.250% | $830,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 43.8% |
| MORIA DEVELOPMENT, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Liberty | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 62.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| FUNDLOANS CAPITAL | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| COLONY BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Bank of England | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 3.2% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PRINCETON MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Ixonia Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Gulf Coast Bank and Trust Company | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CCB Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bryant Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Samson Banking Company, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Security Bank | 6 | Under 10 loans | Under 10 loans | 30.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Innovations Financial Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 42.9% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| First Option Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 22.2% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Primis Mortgage Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| b1BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| River Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Capital City Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 51.6% |
| FirstBank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SouthPoint Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Decatur County | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OnPath Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Independent | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BankFirst Financial Services | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH CENTRAL BANK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Independent Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens National Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 364 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Walton County
38 FDIC-insured branches from 20 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Regions Bank | 6 | $622.1 million |
| Trustmark Bank | 5 | $380.5 million |
| Renasant Bank | 3 | $221.2 million |
| United Community Bank | 2 | $202.5 million |
| Wells Fargo Bank, National Association | 2 | $148.9 million |
| Truist Bank | 2 | $112.5 million |
| FNBT BANK | 2 | $66.2 million |
| Centennial Bank | 2 | $54.0 million |
| PNB Community Bank | 2 | $46.7 million |
| Capital City Bank | 2 | $40.2 million |
| Gulf Coast Bank and Trust Company | 1 | $403.0 million |
| Hancock Whitney Bank | 1 | $274.4 million |
| Community Bank of Mississippi | 1 | $205.7 million |
| United Fidelity Bank, fsb | 1 | $110.1 million |
| The Huntington National Bank | 1 | $66.4 million |
| Ameris Bank | 1 | $58.7 million |
| BankPlus | 1 | $29.9 million |
| CCB Community Bank | 1 | $20.2 million |
| First Security Bank | 1 | $17.7 million |
| First National Bank of Decatur County | 1 | $11.6 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Cadence Bank, 13331 Emerald Coast Pkwy W, Miramar Beach
Get told when this changes
When the next year’s lending figures are out for Walton 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.