Florida · HMDA 2025
Mortgage lenders in Gilchrist County, FL
141 lenders reported 904 home-loan applications in Gilchrist County in 2025. 401 closed as loans ($85.1M), 170 were denied — a 27.7% denial rate on decided applications, close to the Florida rate of 27.1%. The three most active lenders handled 20% of applications, led by 21st Mortgage Corporation. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 904
- Loans originated
- 401
- Purchase / refinance
- 221 / 114
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Gilchrist County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 84 | 9.3% | — |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 48 | 5.3% | — |
| 3 | Rocket Mortgage, LLC | 47 | 5.2% | — |
| 4 | Florida Credit Union 75 out of 100, Strong | 34 | 3.8% | 70.0% |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 32 | 3.5% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 30 | 3.3% | — |
| 7 | Radiant Credit Union 65 out of 100, Moderate | 27 | 3.0% | 41.0% |
| 8 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 27 | 3.0% | — |
| 9 | CAMPUS USA CREDIT UNION 76 out of 100, Strong | 26 | 2.9% | 10.5% |
| 10 | Mortgage Research Center, LLC | 25 | 2.8% | — |
| 11 | Broker Solutions, Inc. | 23 | 2.5% | — |
| 12 | Capital City Bank 72 out of 100, Strong | 22 | 2.4% | 32.0% |
| 13 | NEWREZ LLC | 21 | 2.3% | — |
| 14 | UNION HOME MORTGAGE CORP. | 21 | 2.3% | — |
| 15 | TRIAD FINANCIAL SERVICES, INC. | 20 | 2.2% | — |
| 16 | LAKEVIEW LOAN SERVICING, LLC | 20 | 2.2% | — |
| 17 | Seacoast National Bank 63 out of 100, Moderate | 17 | 1.9% | 35.3% |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 14 | 1.5% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 13 | 1.4% | 14.1% |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 11 | 1.2% | 32.9% |
| 21 | MOVEMENT MORTGAGE, LLC | 11 | 1.2% | — |
| 22 | GUARANTEED RATE, INC. | 11 | 1.2% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 11 | 1.2% | — |
| 24 | AMERICAN FINANCIAL RESOURCES, INC. | 11 | 1.2% | — |
| 25 | VYSTAR CREDIT UNION 51 out of 100, Below average | 11 | 1.2% | 48.8% |
| 26 | SOUTHWEST STAGE FUNDING, LLC | 10 | 1.1% | — |
| 27 | FREEDOM MORTGAGE CORPORATION | 10 | 1.1% | — |
| 28 | Truist Bank 63 out of 100, Moderate | 9 | 1.0% | 40.8% |
| 29 | Loandepot.Com, LLC | 9 | 1.0% | — |
| 30 | AmeriSave Mortgage Corporation | 9 | 1.0% | — |
| 31 | PLANET HOME LENDING, LLC | 9 | 1.0% | — |
| 32 | Ameris Bank 67 out of 100, Moderate | 9 | 1.0% | 10.5% |
| 33 | Bank of America, National Association 59 out of 100, Moderate | 7 | 0.8% | 44.7% |
| 34 | FBC MORTGAGE, LLC | 6 | 0.7% | — |
| 35 | First Federal Bank 50 out of 100, Below average | 6 | 0.7% | 13.5% |
| 36 | AMERICAN FINANCIAL NETWORK, INC. | 5 | 0.6% | — |
| 37 | AMERICAN FINANCING CORPORATION | 5 | 0.6% | — |
| 38 | EVERETT FINANCIAL, INC. | 5 | 0.6% | — |
| 39 | SouthState Bank, National Association 68 out of 100, Moderate | 5 | 0.6% | 23.3% |
| 40 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 0.4% | 32.5% |
Top 40 of 141 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