Florida · HMDA 2025
Mortgage lenders in Santa Rosa County, FL
426 lenders reported 13,163 home-loan applications in Santa Rosa County in 2025. 6,361 closed as loans ($1.9B), 1,878 were denied — a 21.8% denial rate on decided applications, below the Florida rate of 27.1%. The three most active lenders handled 18% of applications, led by Navy Federal Credit Union. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 13,163
- Loans originated
- 6,361
- Purchase / refinance
- 3,886 / 1,539
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Santa Rosa County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Navy Federal Credit Union 66 out of 100, Moderate | 976 | 7.4% | 32.9% |
| 2 | PENNYMAC LOAN SERVICES, LLC | 734 | 5.6% | — |
| 3 | DHI MORTGAGE COMPANY, LTD. | 722 | 5.5% | — |
| 4 | Rocket Mortgage, LLC | 641 | 4.9% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 626 | 4.8% | — |
| 6 | Mortgage Research Center, LLC | 413 | 3.1% | — |
| 7 | Regions Bank 64 out of 100, Moderate | 410 | 3.1% | 43.1% |
| 8 | FREEDOM MORTGAGE CORPORATION | 337 | 2.6% | — |
| 9 | University Bank 60 out of 100, Moderate | 335 | 2.5% | 4.9% |
| 10 | AMERIHOME MORTGAGE COMPANY, LLC | 271 | 2.1% | — |
| 11 | NEWREZ LLC | 270 | 2.1% | — |
| 12 | VANDERBILT MORTGAGE AND FINANCE, INC. | 250 | 1.9% | — |
| 13 | Pen Air Credit Union | 247 | 1.9% | — |
| 14 | LAKEVIEW LOAN SERVICING, LLC | 236 | 1.8% | — |
| 15 | LENNAR MORTGAGE, LLC | 235 | 1.8% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 209 | 1.6% | 14.1% |
| 17 | CMG MORTGAGE, INC. | 171 | 1.3% | — |
| 18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 167 | 1.3% | — |
| 19 | 21st Mortgage Corporation | 158 | 1.2% | — |
| 20 | MOVEMENT MORTGAGE, LLC | 157 | 1.2% | — |
| 21 | Gulf Winds Credit Union 69 out of 100, Moderate | 143 | 1.1% | 27.1% |
| 22 | VILLAGE CAPITAL & INVESTMENT LLC | 142 | 1.1% | — |
| 23 | Broker Solutions, Inc. | 137 | 1.0% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 131 | 1.0% | — |
| 25 | Bank of America, National Association 59 out of 100, Moderate | 126 | 1.0% | 44.7% |
| 26 | NEW DAY FINANCIAL, LLC | 123 | 0.9% | — |
| 27 | PLANET HOME LENDING, LLC | 118 | 0.9% | — |
| 28 | Synovus Bank | 118 | 0.9% | — |
| 29 | FIGURE LENDING LLC | 115 | 0.9% | — |
| 30 | FBC MORTGAGE, LLC | 111 | 0.8% | — |
| 31 | Fairway Independent Mortgage Corporation | 108 | 0.8% | — |
| 32 | Loandepot.Com, LLC | 106 | 0.8% | — |
| 33 | GUILD MORTGAGE COMPANY | 105 | 0.8% | — |
| 34 | NATIONSTAR MORTGAGE LLC | 105 | 0.8% | — |
| 35 | GUARANTEED RATE, INC. | 100 | 0.8% | — |
| 36 | Coastal Community Bank 35 out of 100, Low | 96 | 0.7% | 3.0% |
| 37 | Truist Bank 63 out of 100, Moderate | 95 | 0.7% | 40.8% |
| 38 | THE MORTGAGE FIRM, INC. | 95 | 0.7% | — |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 91 | 0.7% | — |
| 40 | SPRING EQ, LLC | 89 | 0.7% | — |
Top 40 of 426 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