Florida · HMDA 2025
Mortgage lenders in Gulf County, FL
200 lenders reported 1,098 home-loan applications in Gulf County in 2025. 485 closed as loans ($187.7M), 169 were denied — a 24.6% denial rate on decided applications, below the Florida rate of 27.1%. The three most active lenders handled 24% of applications, led by Centennial Bank. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,098
- Loans originated
- 485
- Purchase / refinance
- 311 / 107
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Gulf County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Centennial Bank 79 out of 100, Strong | 104 | 9.5% | 23.4% |
| 2 | DHI MORTGAGE COMPANY, LTD. | 98 | 8.9% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 61 | 5.6% | — |
| 4 | Rocket Mortgage, LLC | 42 | 3.8% | — |
| 5 | Tyndall Federal Credit Union 89 out of 100, Very strong | 42 | 3.8% | 24.3% |
| 6 | 21st Mortgage Corporation | 33 | 3.0% | — |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 30 | 2.7% | 14.1% |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 28 | 2.6% | — |
| 9 | NEWREZ LLC | 27 | 2.5% | — |
| 10 | Mortgage Research Center, LLC | 22 | 2.0% | — |
| 11 | VANDERBILT MORTGAGE AND FINANCE, INC. | 17 | 1.5% | — |
| 12 | Truist Bank 63 out of 100, Moderate | 15 | 1.4% | 40.8% |
| 13 | TRIAD FINANCIAL SERVICES, INC. | 15 | 1.4% | — |
| 14 | Fairway Independent Mortgage Corporation | 14 | 1.3% | — |
| 15 | Primis Mortgage Company | 14 | 1.3% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 13 | 1.2% | — |
| 17 | Regions Bank 64 out of 100, Moderate | 12 | 1.1% | 43.1% |
| 18 | BETTER MORTGAGE CORPORATION | 12 | 1.1% | — |
| 19 | AmeriSave Mortgage Corporation | 11 | 1.0% | — |
| 20 | Capital City Home Loans, LLC | 11 | 1.0% | — |
| 21 | CARRINGTON MORTGAGE SERVICES, LLC | 10 | 0.9% | — |
| 22 | NETWORK CAPITAL FUNDING CORPORATION | 10 | 0.9% | — |
| 23 | CMG MORTGAGE, INC. | 9 | 0.8% | — |
| 24 | LAKEVIEW LOAN SERVICING, LLC | 9 | 0.8% | — |
| 25 | Capital City Bank 72 out of 100, Strong | 8 | 0.7% | 32.0% |
| 26 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | 0.7% | — |
| 27 | NexBank 56 out of 100, Moderate | 8 | 0.7% | 13.1% |
| 28 | CONSUMER REAL ESTATE FINANCE CO. | 8 | 0.7% | — |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 0.6% | — |
| 30 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 0.6% | 39.5% |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 0.6% | — |
| 32 | Cadence Bank | 7 | 0.6% | — |
| 33 | PHH Mortgage Corporation | 7 | 0.6% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.5% | 32.9% |
| 35 | Loandepot.Com, LLC | 6 | 0.5% | — |
| 36 | GUARANTEED RATE, INC. | 6 | 0.5% | — |
| 37 | SPRING EQ, LLC | 6 | 0.5% | — |
| 38 | PLANET HOME LENDING, LLC | 6 | 0.5% | — |
| 39 | LENDINGONE, LLC | 6 | 0.5% | — |
| 40 | OCMBC, INC. | 6 | 0.5% | — |
Top 40 of 200 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