Home purchase lenders in Walton County
2,531 home purchase mortgages were made in Walton County, Florida, in 2025, by 439 lenders. The median rate their borrowers got was 6.575% on a median loan of $435,000. Of 3,197 decisions, 567 were denials — 17.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 182 | 4.990% | $325,000 | 25.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 174 | 6.750% | $395,000 | 2.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 145 | 6.500% | $435,000 | 13.5% |
| DSLD MORTGAGE, LLC | 92 | 5.990% | $395,000 | 2.1% |
| 21st Mortgage Corporation | 62 | 9.075% | $155,000 | 66.1% |
| Rocket Mortgage, LLC | 59 | 6.500% | $435,000 | 23.4% |
| Community Bank of Mississippi | 51 | 7.000% | $485,000 | 1.9% |
| SouthState Bank, National Association | 48 | 6.375% | $500,000 | 3.9% |
| Regions Bank | 45 | 6.000% | $585,000 | 16.1% |
| Cadence Bank | 41 | 6.625% | $605,000 | 4.6% |
| Trustmark National Bank | 38 | 6.250% | $515,000 | 13.0% |
| Fairway Independent Mortgage Corporation | 38 | 7.125% | $545,000 | 5.0% |
| MOVEMENT MORTGAGE, LLC | 33 | 6.562% | $415,000 | 0.0% |
| BankPlus | 31 | 6.750% | $575,000 | 10.8% |
| Mortgage Research Center, LLC | 30 | 6.375% | $295,000 | 6.3% |
| JPMorgan Chase Bank, National Association | 30 | 6.125% | $1,140,000 | 9.1% |
| FBC MORTGAGE, LLC | 29 | 5.625% | $375,000 | 3.3% |
| Waterstone Mortgage Corporation | 26 | 6.750% | $350,000 | 16.1% |
| Northpointe Bank | 25 | 7.000% | $375,000 | 10.7% |
| PENNYMAC LOAN SERVICES, LLC | 24 | 6.625% | $530,000 | 21.9% |
| 254900HL2VMAYA3J5494 | 24 | 7.375% | $745,000 | 10.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 23 | 6.490% | $315,000 | 4.2% |
| NEWREZ LLC | 21 | 6.625% | $335,000 | 25.0% |
| Truist Bank | 21 | 6.325% | $965,000 | 12.0% |
| Renasant Bank | 20 | 7.375% | $785,000 | 8.7% |
| University Bank | 20 | 6.750% | $365,000 | 0.0% |
| T2 FINANCIAL LLC | 20 | 7.188% | $485,000 | 9.1% |
| Citizens Bank, National Association | 19 | 6.375% | $935,000 | 20.8% |
| Ameris Bank | 19 | 6.750% | $365,000 | 5.0% |
| U.S. Bank National Association | 18 | 6.250% | $605,000 | 9.5% |
| INSPIRE HOME LOANS INC. | 17 | 5.250% | $195,000 | 10.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 17 | 6.250% | $305,000 | 10.5% |
| CMG MORTGAGE, INC. | 17 | 6.500% | $475,000 | 5.0% |
| Centennial Bank | 17 | 6.625% | $555,000 | 10.5% |
| Wells Fargo Bank, National Association | 16 | 5.875% | $645,000 | 27.3% |
| Bank of America, National Association | 16 | 5.438% | $1,675,000 | 20.0% |
| CANOPY MORTGAGE, LLC | 16 | 5.990% | $340,000 | 5.9% |
| Capital City Home Loans, LLC | 16 | 6.813% | $700,000 | 15.8% |
| COASTAL LOANS, LLC | 15 | 4.990% | $455,000 | 0.0% |
| Charles Schwab Bank, SSB | 14 | 5.313% | $1,025,000 | 26.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 14 | 6.563% | $230,000 | 6.7% |
| NFM, INC. | 13 | 6.625% | $475,000 | 0.0% |
| BoxCar Mortgage, LLC | 13 | 6.750% | $635,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 12 | 6.250% | $465,000 | 25.0% |
| A&D Mortgage LLC | 12 | 7.370% | $345,000 | 14.3% |
| Broker Solutions, Inc. | 12 | 6.625% | $325,000 | 25.0% |
| GUARANTEED RATE, INC. | 12 | 6.813% | $365,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 12 | 7.625% | $305,000 | 0.0% |
| First Horizon Bank | 12 | 6.563% | $1,325,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 11 | 7.125% | $415,000 | 47.8% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 6.999% | $365,000 | 33.3% |
| EVERETT FINANCIAL, INC. | 11 | 6.990% | $605,000 | 14.3% |
| THE LOAN STORE, INC. | 11 | 6.750% | $625,000 | 0.0% |
| PNB Community Bank | 11 | Not published | $295,000 | 7.7% |
| Pinnacle Bank | 11 | 6.500% | $1,575,000 | 7.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 8.625% | $135,000 | 75.5% |
| Navy Federal Credit Union | 10 | 6.000% | $330,000 | 47.4% |
| KIND LENDING, LLC | 10 | 6.500% | $385,000 | 23.1% |
| Morgan Stanley Private Bank, National Association | 10 | 5.613% | $1,245,000 | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 10 | 7.000% | $295,000 | 21.4% |
| Synovus Bank | 10 | 6.125% | $920,000 | 0.0% |
| UBS Bank USA | 10 | 5.875% | $1,085,000 | 0.0% |
| United Community Bank | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Citibank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Fifth Third Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| HANCOCK WHITNEY BANK | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 30.8% |
| MORIA DEVELOPMENT, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 10.0% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Bank of England | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TD Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ServisFirst Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Assurance Financial Group, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Eglin Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PRINCETON MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Primis Mortgage Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Gulf Coast Bank and Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Security Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Option Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 20.0% |
| River Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SmartBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 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% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 51.6% |
| Tyndall Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CCB Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 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% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 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% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 71.4% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 55.6% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthPoint Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Port City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Decatur County | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OnPath Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MASTERS OF INDIANA, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bryant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank & Trust Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Samson Banking Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ennis State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Independent Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Hutchinson | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens National Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Loandepot.Com, LLC | 1 | 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 239 lenders each made 1 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.