Florida · HMDA 2025
Mortgage lenders in Flagler County, FL
437 lenders reported 9,400 home-loan applications in Flagler County in 2025. 4,584 closed as loans ($1.4B), 1,537 were denied — a 24.0% denial rate on decided applications, below the Florida rate of 27.1%. The three most active lenders handled 18% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 9,400
- Loans originated
- 4,584
- Purchase / refinance
- 2,840 / 1,044
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Flagler County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 780 | 8.3% | — |
| 2 | Rocket Mortgage, LLC | 470 | 5.0% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 408 | 4.3% | — |
| 4 | DHI MORTGAGE COMPANY, LTD. | 393 | 4.2% | — |
| 5 | VYSTAR CREDIT UNION 51 out of 100, Below average | 313 | 3.3% | 48.8% |
| 6 | SPACE COAST CREDIT UNION 66 out of 100, Moderate | 243 | 2.6% | 35.2% |
| 7 | Bank of America, National Association 59 out of 100, Moderate | 235 | 2.5% | 44.7% |
| 8 | NEWREZ LLC | 219 | 2.3% | — |
| 9 | Truist Bank 63 out of 100, Moderate | 217 | 2.3% | 40.8% |
| 10 | Loandepot.Com, LLC | 205 | 2.2% | — |
| 11 | FREEDOM MORTGAGE CORPORATION | 194 | 2.1% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 192 | 2.0% | 14.1% |
| 13 | FBC MORTGAGE, LLC | 184 | 2.0% | — |
| 14 | Mortgage Research Center, LLC | 164 | 1.7% | — |
| 15 | PNC Bank, National Association 62 out of 100, Moderate | 156 | 1.7% | 33.8% |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 150 | 1.6% | — |
| 17 | Navy Federal Credit Union 66 out of 100, Moderate | 146 | 1.6% | 32.9% |
| 18 | CMG MORTGAGE, INC. | 143 | 1.5% | — |
| 19 | LAKEVIEW LOAN SERVICING, LLC | 130 | 1.4% | — |
| 20 | GUARANTEED RATE, INC. | 126 | 1.3% | — |
| 21 | KBHS HOME LOANS, LLC | 126 | 1.3% | — |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 117 | 1.2% | — |
| 23 | Ameris Bank 67 out of 100, Moderate | 115 | 1.2% | 10.5% |
| 24 | THE LOAN STORE, INC. | 104 | 1.1% | — |
| 25 | COASTAL LOANS, LLC | 98 | 1.0% | — |
| 26 | NATIONSTAR MORTGAGE LLC | 95 | 1.0% | — |
| 27 | SPRING EQ, LLC | 91 | 1.0% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 90 | 1.0% | 3.0% |
| 29 | INSPIRE HOME LOANS INC. | 87 | 0.9% | — |
| 30 | FIGURE LENDING LLC | 83 | 0.9% | — |
| 31 | NEW DAY FINANCIAL, LLC | 81 | 0.9% | — |
| 32 | AmeriSave Mortgage Corporation | 76 | 0.8% | — |
| 33 | Fifth Third Bank, National Association 62 out of 100, Moderate | 74 | 0.8% | 34.0% |
| 34 | Broker Solutions, Inc. | 73 | 0.8% | — |
| 35 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 72 | 0.8% | 22.2% |
| 36 | Discover Bank | 72 | 0.8% | — |
| 37 | Citizens Bank, National Association 54 out of 100, Below average | 66 | 0.7% | 32.5% |
| 38 | JET HOMELOANS, LP | 64 | 0.7% | — |
| 39 | VILLAGE CAPITAL & INVESTMENT LLC | 62 | 0.7% | — |
| 40 | Regions Bank 64 out of 100, Moderate | 61 | 0.6% | 43.1% |
Top 40 of 437 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