Florida · HMDA 2025
Mortgage lenders in Baker County, FL
149 lenders reported 1,050 home-loan applications in Baker County in 2025. 514 closed as loans ($129.0M), 186 were denied — a 25.3% denial rate on decided applications, below the Florida rate of 27.1%. The three most active lenders handled 23% of applications, led by VYSTAR CREDIT UNION. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,050
- Loans originated
- 514
- Purchase / refinance
- 296 / 152
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Baker County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VYSTAR CREDIT UNION 51 out of 100, Below average | 97 | 9.2% | 48.8% |
| 2 | 21st Mortgage Corporation | 82 | 7.8% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 62 | 5.9% | — |
| 4 | First Federal Bank 50 out of 100, Below average | 52 | 5.0% | 13.5% |
| 5 | Rocket Mortgage, LLC | 49 | 4.7% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 37 | 3.5% | — |
| 7 | Mortgage Research Center, LLC | 32 | 3.0% | — |
| 8 | Navy Federal Credit Union 66 out of 100, Moderate | 30 | 2.9% | 32.9% |
| 9 | LAKEVIEW LOAN SERVICING, LLC | 25 | 2.4% | — |
| 10 | TOWNE MORTGAGE COMPANY | 25 | 2.4% | — |
| 11 | NEWREZ LLC | 24 | 2.3% | — |
| 12 | Broker Solutions, Inc. | 20 | 1.9% | — |
| 13 | PLANET HOME LENDING, LLC | 19 | 1.8% | — |
| 14 | TRIAD FINANCIAL SERVICES, INC. | 17 | 1.6% | — |
| 15 | MOVEMENT MORTGAGE, LLC | 16 | 1.5% | — |
| 16 | GUILD MORTGAGE COMPANY | 16 | 1.5% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 15 | 1.4% | — |
| 18 | CARRINGTON MORTGAGE SERVICES, LLC | 15 | 1.4% | — |
| 19 | VANDERBILT MORTGAGE AND FINANCE, INC. | 14 | 1.3% | — |
| 20 | AMERICAN PACIFIC MORTGAGE CORPORATION | 14 | 1.3% | — |
| 21 | INSPIRE HOME LOANS INC. | 13 | 1.2% | — |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 1.1% | 14.1% |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 12 | 1.1% | — |
| 24 | GUARANTEED RATE, INC. | 11 | 1.0% | — |
| 25 | CROSSCOUNTRY MORTGAGE, INC. | 11 | 1.0% | — |
| 26 | Florida Credit Union 75 out of 100, Strong | 11 | 1.0% | 70.0% |
| 27 | UNION HOME MORTGAGE CORP. | 11 | 1.0% | — |
| 28 | EVERETT FINANCIAL, INC. | 11 | 1.0% | — |
| 29 | COMMUNITY FIRST CREDIT UNION OF FLO 73 out of 100, Strong | 10 | 1.0% | 24.3% |
| 30 | Loandepot.Com, LLC | 8 | 0.8% | — |
| 31 | Bank of America, National Association 59 out of 100, Moderate | 8 | 0.8% | 44.7% |
| 32 | VILLAGE CAPITAL & INVESTMENT LLC | 8 | 0.8% | — |
| 33 | Ameris Bank 67 out of 100, Moderate | 8 | 0.8% | 10.5% |
| 34 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 0.7% | 39.5% |
| 35 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | 0.7% | — |
| 36 | CMG MORTGAGE, INC. | 6 | 0.6% | — |
| 37 | SPRING EQ, LLC | 6 | 0.6% | — |
| 38 | FIGURE LENDING LLC | 6 | 0.6% | — |
| 39 | AMERICAN FINANCIAL RESOURCES, INC. | 6 | 0.6% | — |
| 40 | NATIONSTAR MORTGAGE LLC | 6 | 0.6% | — |
Top 40 of 149 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