Florida · HMDA 2025
Mortgage lenders in Monroe County, FL
342 lenders reported 3,457 home-loan applications in Monroe County in 2025. 1,632 closed as loans ($1.2B), 701 were denied — a 29.0% denial rate on decided applications, above the Florida rate of 27.1%. The three most active lenders handled 23% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,457
- Loans originated
- 1,632
- Purchase / refinance
- 977 / 427
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Monroe County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 356 | 10.3% | — |
| 2 | First Horizon Bank 64 out of 100, Moderate | 282 | 8.2% | 25.4% |
| 3 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 141 | 4.1% | 14.1% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 125 | 3.6% | — |
| 5 | Rocket Mortgage, LLC | 120 | 3.5% | — |
| 6 | Bank of America, National Association 59 out of 100, Moderate | 103 | 3.0% | 44.7% |
| 7 | CROSSCOUNTRY MORTGAGE, INC. | 75 | 2.2% | — |
| 8 | Centennial Bank 79 out of 100, Strong | 70 | 2.0% | 23.4% |
| 9 | A&D Mortgage LLC | 63 | 1.8% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 61 | 1.8% | 32.9% |
| 11 | SouthState Bank, National Association 68 out of 100, Moderate | 56 | 1.6% | 23.3% |
| 12 | NEWREZ LLC | 54 | 1.6% | — |
| 13 | SPRING EQ, LLC | 52 | 1.5% | — |
| 14 | Citizens Bank, National Association 54 out of 100, Below average | 49 | 1.4% | 32.5% |
| 15 | LAKEVIEW LOAN SERVICING, LLC | 49 | 1.4% | — |
| 16 | DEEPHAVEN MORTGAGE LLC | 49 | 1.4% | — |
| 17 | Truist Bank 63 out of 100, Moderate | 47 | 1.4% | 40.8% |
| 18 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 41 | 1.2% | — |
| 19 | FIGURE LENDING LLC | 40 | 1.2% | — |
| 20 | HOMEXPRESS MORTGAGE CORP. | 36 | 1.0% | — |
| 21 | THE LOAN STORE, INC. | 35 | 1.0% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 32 | 0.9% | — |
| 23 | SPACE COAST CREDIT UNION 66 out of 100, Moderate | 32 | 0.9% | 35.2% |
| 24 | Citadel Servicing Corporation | 31 | 0.9% | — |
| 25 | Coastal Community Bank 35 out of 100, Low | 31 | 0.9% | 3.0% |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 30 | 0.9% | — |
| 27 | Regions Bank 64 out of 100, Moderate | 28 | 0.8% | 43.1% |
| 28 | Mortgage Research Center, LLC | 27 | 0.8% | — |
| 29 | LENNAR MORTGAGE, LLC | 26 | 0.8% | — |
| 30 | U.S. Bank National Association 55 out of 100, Moderate | 26 | 0.8% | 39.5% |
| 31 | CLEAREDGE LENDING LLC | 25 | 0.7% | — |
| 32 | CHAMPIONS FUNDING, LLC | 25 | 0.7% | — |
| 33 | Loandepot.Com, LLC | 24 | 0.7% | — |
| 34 | PNC Bank, National Association 62 out of 100, Moderate | 24 | 0.7% | 33.8% |
| 35 | TD Bank, National Association 63 out of 100, Moderate | 22 | 0.6% | 35.3% |
| 36 | FREEDOM MORTGAGE CORPORATION | 22 | 0.6% | — |
| 37 | Hometown Equity Mortgage, LLC | 22 | 0.6% | — |
| 38 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 20 | 0.6% | 22.2% |
| 39 | Paramount Residential Mortgage Group, Inc. | 20 | 0.6% | — |
| 40 | OCMBC, INC. | 20 | 0.6% | — |
Top 40 of 342 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