Florida · HMDA 2025
Mortgage lenders in Bay County, FL
516 lenders reported 12,314 home-loan applications in Bay County in 2025. 6,006 closed as loans ($1.9B), 1,993 were denied — a 23.8% denial rate on decided applications, below the Florida rate of 27.1%. The three most active lenders handled 15% of applications, led by DHI MORTGAGE COMPANY, LTD.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 12,314
- Loans originated
- 6,006
- Purchase / refinance
- 4,023 / 1,191
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | DHI MORTGAGE COMPANY, LTD. | 743 | 6.0% | — |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 587 | 4.8% | — |
| 3 | Rocket Mortgage, LLC | 565 | 4.6% | — |
| 4 | Tyndall Federal Credit Union 89 out of 100, Very strong | 526 | 4.3% | 24.3% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 484 | 3.9% | — |
| 6 | Regions Bank 64 out of 100, Moderate | 390 | 3.2% | 43.1% |
| 7 | Mortgage Research Center, LLC | 349 | 2.8% | — |
| 8 | Trustmark National Bank 62 out of 100, Moderate | 318 | 2.6% | 14.7% |
| 9 | 21st Mortgage Corporation | 314 | 2.5% | — |
| 10 | NEWREZ LLC | 291 | 2.4% | — |
| 11 | Navy Federal Credit Union 66 out of 100, Moderate | 283 | 2.3% | 32.9% |
| 12 | CROSSCOUNTRY MORTGAGE, INC. | 261 | 2.1% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 239 | 1.9% | — |
| 14 | LAKEVIEW LOAN SERVICING, LLC | 232 | 1.9% | — |
| 15 | VANDERBILT MORTGAGE AND FINANCE, INC. | 192 | 1.6% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 181 | 1.5% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 171 | 1.4% | 14.1% |
| 18 | Centennial Bank 79 out of 100, Strong | 165 | 1.3% | 23.4% |
| 19 | FBC MORTGAGE, LLC | 163 | 1.3% | — |
| 20 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 150 | 1.2% | 22.2% |
| 21 | Innovations Financial Credit Union 67 out of 100, Moderate | 143 | 1.2% | 18.8% |
| 22 | Truist Bank 63 out of 100, Moderate | 125 | 1.0% | 40.8% |
| 23 | Broker Solutions, Inc. | 110 | 0.9% | — |
| 24 | Cadence Bank | 108 | 0.9% | — |
| 25 | PLANET HOME LENDING, LLC | 103 | 0.8% | — |
| 26 | LENDSURE MORTGAGE CORP. | 103 | 0.8% | — |
| 27 | GUARANTEED RATE, INC. | 101 | 0.8% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 101 | 0.8% | 3.0% |
| 29 | GUILD MORTGAGE COMPANY | 100 | 0.8% | — |
| 30 | NATIONSTAR MORTGAGE LLC | 92 | 0.7% | — |
| 31 | FIGURE LENDING LLC | 87 | 0.7% | — |
| 32 | NEW DAY FINANCIAL, LLC | 86 | 0.7% | — |
| 33 | Loandepot.Com, LLC | 85 | 0.7% | — |
| 34 | Community Bank of Mississippi 64 out of 100, Moderate | 85 | 0.7% | 9.7% |
| 35 | VILLAGE CAPITAL & INVESTMENT LLC | 82 | 0.7% | — |
| 36 | AmeriSave Mortgage Corporation | 78 | 0.6% | — |
| 37 | Northpointe Bank 58 out of 100, Moderate | 77 | 0.6% | 10.4% |
| 38 | SPRING EQ, LLC | 76 | 0.6% | — |
| 39 | THE LOAN STORE, INC. | 72 | 0.6% | — |
| 40 | Ameris Bank 67 out of 100, Moderate | 69 | 0.6% | 10.5% |
Top 40 of 516 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Florida
- Miami-Dade County 82,507 apps
- Broward County 75,647 apps
- Hillsborough County 64,621 apps
- Palm Beach County 63,472 apps
- Orange County 55,029 apps
- Lee County 47,429 apps
- Duval County 46,192 apps
- Polk County 45,313 apps
- Pinellas County 42,029 apps
- Pasco County 39,658 apps
- Brevard County 36,873 apps
- Volusia County 30,743 apps