Florida · HMDA 2025
Mortgage lenders in Clay County, FL
389 lenders reported 12,938 home-loan applications in Clay County in 2025. 6,081 closed as loans ($1.7B), 2,095 were denied — a 24.6% denial rate on decided applications, below the Florida rate of 27.1%. The three most active lenders handled 19% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 12,938
- Loans originated
- 6,081
- Purchase / refinance
- 3,518 / 1,697
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 900 | 7.0% | — |
| 2 | VYSTAR CREDIT UNION 51 out of 100, Below average | 875 | 6.8% | 48.8% |
| 3 | Navy Federal Credit Union 66 out of 100, Moderate | 667 | 5.2% | 32.9% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 628 | 4.9% | — |
| 5 | Rocket Mortgage, LLC | 591 | 4.6% | — |
| 6 | FREEDOM MORTGAGE CORPORATION | 366 | 2.8% | — |
| 7 | LENNAR MORTGAGE, LLC | 334 | 2.6% | — |
| 8 | JET HOMELOANS, LP | 319 | 2.5% | — |
| 9 | Mortgage Research Center, LLC | 310 | 2.4% | — |
| 10 | LAKEVIEW LOAN SERVICING, LLC | 301 | 2.3% | — |
| 11 | Loandepot.Com, LLC | 247 | 1.9% | — |
| 12 | VILLAGE CAPITAL & INVESTMENT LLC | 246 | 1.9% | — |
| 13 | NEWREZ LLC | 244 | 1.9% | — |
| 14 | DHI MORTGAGE COMPANY, LTD. | 244 | 1.9% | — |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 219 | 1.7% | — |
| 16 | COMMUNITY FIRST CREDIT UNION OF FLO 73 out of 100, Strong | 209 | 1.6% | 24.3% |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 205 | 1.6% | 14.1% |
| 18 | GUILD MORTGAGE COMPANY | 192 | 1.5% | — |
| 19 | Bank of America, National Association 59 out of 100, Moderate | 154 | 1.2% | 44.7% |
| 20 | 21st Mortgage Corporation | 149 | 1.2% | — |
| 21 | NEW DAY FINANCIAL, LLC | 133 | 1.0% | — |
| 22 | CMG MORTGAGE, INC. | 130 | 1.0% | — |
| 23 | SPRING EQ, LLC | 130 | 1.0% | — |
| 24 | PULTE MORTGAGE LLC | 129 | 1.0% | — |
| 25 | PLANET HOME LENDING, LLC | 128 | 1.0% | — |
| 26 | Broker Solutions, Inc. | 126 | 1.0% | — |
| 27 | FBC MORTGAGE, LLC | 125 | 1.0% | — |
| 28 | NATIONSTAR MORTGAGE LLC | 124 | 1.0% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 121 | 0.9% | 3.0% |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 112 | 0.9% | — |
| 31 | GUARANTEED RATE, INC. | 111 | 0.9% | — |
| 32 | PNC Bank, National Association 62 out of 100, Moderate | 110 | 0.9% | 33.8% |
| 33 | MOVEMENT MORTGAGE, LLC | 106 | 0.8% | — |
| 34 | AmeriSave Mortgage Corporation | 103 | 0.8% | — |
| 35 | U.S. Bank National Association 55 out of 100, Moderate | 102 | 0.8% | 39.5% |
| 36 | FIGURE LENDING LLC | 98 | 0.8% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 90 | 0.7% | — |
| 38 | Ameris Bank 67 out of 100, Moderate | 87 | 0.7% | 10.5% |
| 39 | Truist Bank 63 out of 100, Moderate | 84 | 0.6% | 40.8% |
| 40 | RadiFi Credit Union | 78 | 0.6% | — |
Top 40 of 389 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