Florida · HMDA 2025
Mortgage lenders in Franklin County, FL
145 lenders reported 652 home-loan applications in Franklin County in 2025. 313 closed as loans ($138.1M), 124 were denied — a 27.1% denial rate on decided applications, close to the Florida rate of 27.1%. The three most active lenders handled 18% of applications, led by CMG MORTGAGE, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 652
- Loans originated
- 313
- Purchase / refinance
- 182 / 67
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CMG MORTGAGE, INC. | 50 | 7.7% | — |
| 2 | Centennial Bank 79 out of 100, Strong | 36 | 5.5% | 23.4% |
| 3 | 21st Mortgage Corporation | 29 | 4.4% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 27 | 4.1% | — |
| 5 | Rocket Mortgage, LLC | 27 | 4.1% | — |
| 6 | Loandepot.Com, LLC | 20 | 3.1% | — |
| 7 | Tyndall Federal Credit Union 89 out of 100, Very strong | 16 | 2.5% | 24.3% |
| 8 | Ameris Bank 67 out of 100, Moderate | 16 | 2.5% | 10.5% |
| 9 | LAKEVIEW LOAN SERVICING, LLC | 14 | 2.1% | — |
| 10 | PeoplesSouth Bank 69 out of 100, Moderate | 14 | 2.1% | 5.5% |
| 11 | NEWREZ LLC | 13 | 2.0% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 1.8% | — |
| 13 | TRIAD FINANCIAL SERVICES, INC. | 12 | 1.8% | — |
| 14 | FIGURE LENDING LLC | 12 | 1.8% | — |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 1.5% | — |
| 16 | AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 1.5% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 1.4% | 14.1% |
| 18 | SPRING EQ, LLC | 9 | 1.4% | — |
| 19 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 9 | 1.4% | — |
| 20 | Truist Bank 63 out of 100, Moderate | 8 | 1.2% | 40.8% |
| 21 | PENNYMAC LOAN SERVICES, LLC | 8 | 1.2% | — |
| 22 | AmeriSave Mortgage Corporation | 8 | 1.2% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 1.2% | — |
| 24 | Capital City Home Loans, LLC | 8 | 1.2% | — |
| 25 | Bank of America, National Association 59 out of 100, Moderate | 7 | 1.1% | 44.7% |
| 26 | GMFS LLC | 7 | 1.1% | — |
| 27 | BETTER MORTGAGE CORPORATION | 7 | 1.1% | — |
| 28 | Prime Meridian Bank | 6 | 0.9% | — |
| 29 | VILLAGE CAPITAL & INVESTMENT LLC | 6 | 0.9% | — |
| 30 | Coastal Community Bank 35 out of 100, Low | 6 | 0.9% | 3.0% |
| 31 | Thomasville National Bank | 6 | 0.9% | — |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 0.8% | 32.9% |
| 33 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 0.8% | 39.5% |
| 34 | Capital City Bank 72 out of 100, Strong | 5 | 0.8% | 32.0% |
| 35 | TAMMAC HOLDINGS CORPORATION | 5 | 0.8% | — |
| 36 | NATIONSTAR MORTGAGE LLC | 5 | 0.8% | — |
| 37 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | 0.8% | — |
| 38 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 5 | 0.8% | 74.7% |
| 39 | University Bank 60 out of 100, Moderate | 5 | 0.8% | 4.9% |
| 40 | Mortgage Research Center, LLC | 4 | 0.6% | — |
Top 40 of 145 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