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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Bay County, Florida

Fat Boy Data analyzed home purchase mortgage activity in Bay County, Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 11,819 applications were decided by 470 lenders between 2023 and 2025.

Bay County at a glance

470Active lenders76 with 20+ decisions
80.5%Market approval rate9,509 of 11,819 decided
$295KTypical loanmedian lender, $10K brackets
96%Borrower take-up9,122 loans funded

How Bay County compares

Approval rate compared
Bay County80.5%Florida83.7%All 616 counties87.6%
Typical loan compared
Bay County$295KFlorida$345KAll 616 counties$335K

What the data shows

Dhi Mortgage Company, Ltd. made the most home purchase mortgages in Bay County, FL, 1,513 of them.

Acrisure Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 99% of 296.

The typical home purchase mortgage here is $295K, 14% smaller than the Florida typical of $345K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Credit Human Federal Credit Union: 12% approved of 99Vanderbilt Mortgage and Finance, Inc.: 25% approved of 39021St Mortgage Corporation: 29% approved of 626FirstBank: 40% approved of 45Triad Financial Services, Inc.: 41% approved of 218Flagstar Bank, National Association: 56% approved of 36Truist Bank: 63% approved of 57Kind Lending, LLC: 64% approved of 33Southwest Stage Funding, LLC: 69% approved of 35Plaza Home Mortgage, Inc.: 71% approved of 45Newrez LLC: 71% approved of 104USAA Federal Savings Bank: 72% approved of 105First Federal Bank: 76% approved of 66Centennial Bank: 79% approved of 334BankPlus: 81% approved of 31Nationstar Mortgage LLC: 81% approved of 32Rocket Mortgage, LLC: 82% approved of 525Navy Federal Credit Union: 82% approved of 248Regions Bank: 83% approved of 227Loandepot.Com, LLC: 83% approved of 78Fairway Independent Mortgage Corporation: 84% approved of 100Tyndall Federal Credit Union: 85% approved of 332Pennymac Loan Services, LLC: 86% approved of 66Bank of England: 87% approved of 52Primelending, A Plainscapital Company: 87% approved of 38Guaranteed Rate, Inc.: 87% approved of 94Guaranteed Rate Affinity, LLC: 88% approved of 65T2 Financial LLC: 88% approved of 58United Wholesale Mortgage, LLC: 88% approved of 810Dhi Mortgage Company, Ltd.: 89% approved of 1,729Ameris Bank: 89% approved of 71Mortgage Research Center, LLC: 89% approved of 339Freedom Mortgage Corporation: 89% approved of 46Inspire Home Loans Inc.: 89% approved of 46Homeowners Financial Group USA, LLC: 89% approved of 38Toll Brothers Mortgage Company: 91% approved of 32New American Funding, LLC: 91% approved of 157Community Bank of Mississippi: 91% approved of 46Wells Fargo Bank, National Association: 91% approved of 328Cadence Bank: 92% approved of 86SmartBank: 92% approved of 50Movement Mortgage, LLC: 93% approved of 95Victory Mortgage, L.L.C.: 93% approved of 57Northpointe Bank: 93% approved of 46Plains Commerce Bank: 94% approved of 32Guild Mortgage Company LLC: 94% approved of 147The Mortgage Firm, Inc.: 94% approved of 34Panhandle Credit Union: 94% approved of 52Cmg Mortgage, Inc.: 95% approved of 83Crosscountry Mortgage, LLC: 95% approved of 220Cardinal Financial Company, Limited Partnership: 96% approved of 222Capital City Home Loans, LLC: 96% approved of 46Trustmark Bank: 96% approved of 443Nfm, Inc.: 97% approved of 31Waterstone Mortgage Corporation: 97% approved of 32Innovations Federal Credit Union: 97% approved of 38Towne Mortgage Company: 98% approved of 42Equity Prime Mortgage LLC: 98% approved of 47Point Mortgage Corporation: 99% approved of 67Acrisure Mortgage, LLC: 99% approved of 296

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Mortgage lenders in Bay County

LenderApprovalApprovedTaken upTypical loanLoans made
1Dhi Mortgage Company, Ltd.89%1,531 / 1,72999%$315K1,513
2United Wholesale Mortgage, LLCBroker only88%714 / 810100%$295K711
321St Mortgage Corporation29%180 / 62687%$145K157
4Rocket Mortgage, LLC82%428 / 52599%$285K423
5Trustmark Bank96%424 / 44399%$245K420

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 465 more lenders.

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You are seeing the 5 largest home purchase mortgage lenders in Bay County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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