Florida · HMDA 2025
Mortgage lenders in Bradford County, FL
169 lenders reported 1,143 home-loan applications in Bradford County in 2025. 500 closed as loans ($112.9M), 242 were denied — a 31.0% denial rate on decided applications, above the Florida rate of 27.1%. The three most active lenders handled 24% of applications, led by 21st Mortgage Corporation. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,143
- Loans originated
- 500
- Purchase / refinance
- 317 / 115
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bradford County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 107 | 9.4% | — |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 85 | 7.4% | — |
| 3 | VYSTAR CREDIT UNION 51 out of 100, Below average | 83 | 7.3% | 48.8% |
| 4 | Florida Credit Union 75 out of 100, Strong | 53 | 4.6% | 70.0% |
| 5 | Rocket Mortgage, LLC | 51 | 4.5% | — |
| 6 | FREEDOM MORTGAGE CORPORATION | 29 | 2.5% | — |
| 7 | NEWREZ LLC | 26 | 2.3% | — |
| 8 | Mortgage Research Center, LLC | 26 | 2.3% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 25 | 2.2% | — |
| 10 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 24 | 2.1% | — |
| 11 | LAKEVIEW LOAN SERVICING, LLC | 23 | 2.0% | — |
| 12 | Navy Federal Credit Union 66 out of 100, Moderate | 22 | 1.9% | 32.9% |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 20 | 1.7% | — |
| 14 | TRIAD FINANCIAL SERVICES, INC. | 20 | 1.7% | — |
| 15 | PLANET HOME LENDING, LLC | 17 | 1.5% | — |
| 16 | Broker Solutions, Inc. | 16 | 1.4% | — |
| 17 | Capital City Bank 72 out of 100, Strong | 16 | 1.4% | 32.0% |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 15 | 1.3% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 15 | 1.3% | — |
| 20 | Equity Prime Mortgage LLC | 13 | 1.1% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 1.0% | 14.1% |
| 22 | Coastal Community Bank 35 out of 100, Low | 12 | 1.0% | 3.0% |
| 23 | Loandepot.Com, LLC | 11 | 1.0% | — |
| 24 | GUILD MORTGAGE COMPANY | 11 | 1.0% | — |
| 25 | First Federal Bank 50 out of 100, Below average | 11 | 1.0% | 13.5% |
| 26 | NEW DAY FINANCIAL, LLC | 10 | 0.9% | — |
| 27 | GUARANTEED RATE, INC. | 9 | 0.8% | — |
| 28 | TD Bank, National Association 63 out of 100, Moderate | 9 | 0.8% | 35.3% |
| 29 | NATIONSTAR MORTGAGE LLC | 9 | 0.8% | — |
| 30 | UNION HOME MORTGAGE CORP. | 9 | 0.8% | — |
| 31 | EVERETT FINANCIAL, INC. | 9 | 0.8% | — |
| 32 | CMG MORTGAGE, INC. | 8 | 0.7% | — |
| 33 | AmeriSave Mortgage Corporation | 8 | 0.7% | — |
| 34 | Bank of America, National Association 59 out of 100, Moderate | 8 | 0.7% | 44.7% |
| 35 | CAMPUS USA CREDIT UNION 76 out of 100, Strong | 8 | 0.7% | 10.5% |
| 36 | TAMMAC HOLDINGS CORPORATION | 8 | 0.7% | — |
| 37 | Capital City Home Loans, LLC | 8 | 0.7% | — |
| 38 | MOVEMENT MORTGAGE, LLC | 7 | 0.6% | — |
| 39 | AMERICAN FINANCIAL RESOURCES, INC. | 7 | 0.6% | — |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 7 | 0.6% | — |
Top 40 of 169 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