Florida · HMDA 2025
Mortgage lenders in Gadsden County, FL
176 lenders reported 1,516 home-loan applications in Gadsden County in 2025. 491 closed as loans ($96.8M), 389 were denied — a 40.6% 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. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,516
- Loans originated
- 491
- Purchase / refinance
- 287 / 144
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Gadsden County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 203 | 13.4% | — |
| 2 | LAKEVIEW LOAN SERVICING, LLC | 83 | 5.5% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 82 | 5.4% | — |
| 4 | Rocket Mortgage, LLC | 71 | 4.7% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 45 | 3.0% | — |
| 6 | Loandepot.Com, LLC | 42 | 2.8% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 40 | 2.6% | — |
| 8 | University Bank 60 out of 100, Moderate | 37 | 2.4% | 4.9% |
| 9 | TRIAD FINANCIAL SERVICES, INC. | 35 | 2.3% | — |
| 10 | FIRST COMMERCE CREDIT UNION 65 out of 100, Moderate | 35 | 2.3% | 28.6% |
| 11 | Mortgage Research Center, LLC | 30 | 2.0% | — |
| 12 | NEWREZ LLC | 28 | 1.8% | — |
| 13 | Truist Bank 63 out of 100, Moderate | 26 | 1.7% | 40.8% |
| 14 | Capital City Home Loans, LLC | 25 | 1.6% | — |
| 15 | MOVEMENT MORTGAGE, LLC | 24 | 1.6% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 22 | 1.5% | — |
| 17 | Navy Federal Credit Union 66 out of 100, Moderate | 21 | 1.4% | 32.9% |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 21 | 1.4% | — |
| 19 | SOUTHWEST STAGE FUNDING, LLC | 18 | 1.2% | — |
| 20 | AmeriSave Mortgage Corporation | 17 | 1.1% | — |
| 21 | VILLAGE CAPITAL & INVESTMENT LLC | 17 | 1.1% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 16 | 1.1% | — |
| 23 | ServisFirst Bank 63 out of 100, Moderate | 16 | 1.1% | 3.8% |
| 24 | Centennial Bank 79 out of 100, Strong | 16 | 1.1% | 23.4% |
| 25 | Coastal Community Bank 35 out of 100, Low | 15 | 1.0% | 3.0% |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 0.9% | 14.1% |
| 27 | Broker Solutions, Inc. | 14 | 0.9% | — |
| 28 | Bank of America, National Association 59 out of 100, Moderate | 14 | 0.9% | 44.7% |
| 29 | U.S. Bank National Association 55 out of 100, Moderate | 14 | 0.9% | 39.5% |
| 30 | Ameris Bank 67 out of 100, Moderate | 14 | 0.9% | 10.5% |
| 31 | Capital City Bank 72 out of 100, Strong | 13 | 0.9% | 32.0% |
| 32 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 12 | 0.8% | 22.2% |
| 33 | Regions Bank 64 out of 100, Moderate | 12 | 0.8% | 43.1% |
| 34 | ADDITION FINANCIAL | 12 | 0.8% | — |
| 35 | DELMAR FINANCIAL COMPANY | 12 | 0.8% | — |
| 36 | CROSSCOUNTRY MORTGAGE, INC. | 11 | 0.7% | — |
| 37 | GMFS LLC | 11 | 0.7% | — |
| 38 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 11 | 0.7% | 74.7% |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 11 | 0.7% | — |
| 40 | SPRING EQ, LLC | 10 | 0.7% | — |
Top 40 of 176 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