Florida · HMDA 2025
Mortgage lenders in Jefferson County, FL
119 lenders reported 607 home-loan applications in Jefferson County in 2025. 238 closed as loans ($61.3M), 148 were denied — a 36.5% denial rate on decided applications, above the Florida rate of 27.1%. The three most active lenders handled 31% of applications, led by 21st Mortgage Corporation. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 607
- Loans originated
- 238
- Purchase / refinance
- 133 / 66
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jefferson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 116 | 19.1% | — |
| 2 | Rocket Mortgage, LLC | 42 | 6.9% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 33 | 5.4% | — |
| 4 | Capital City Home Loans, LLC | 21 | 3.5% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 20 | 3.3% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 19 | 3.1% | — |
| 7 | Loandepot.Com, LLC | 16 | 2.6% | — |
| 8 | NEWREZ LLC | 15 | 2.5% | — |
| 9 | MOVEMENT MORTGAGE, LLC | 13 | 2.1% | — |
| 10 | FIRST COMMERCE CREDIT UNION 65 out of 100, Moderate | 12 | 2.0% | 28.6% |
| 11 | Capital City Bank 72 out of 100, Strong | 11 | 1.8% | 32.0% |
| 12 | ServisFirst Bank 63 out of 100, Moderate | 10 | 1.6% | 3.8% |
| 13 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 1.5% | 32.9% |
| 14 | Truist Bank 63 out of 100, Moderate | 9 | 1.5% | 40.8% |
| 15 | Renasant Bank 64 out of 100, Moderate | 9 | 1.5% | 11.6% |
| 16 | Mortgage Research Center, LLC | 8 | 1.3% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 1.3% | — |
| 18 | LAKEVIEW LOAN SERVICING, LLC | 8 | 1.3% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 1.2% | 14.1% |
| 20 | Broker Solutions, Inc. | 7 | 1.2% | — |
| 21 | Regions Bank 64 out of 100, Moderate | 6 | 1.0% | 43.1% |
| 22 | TRIAD FINANCIAL SERVICES, INC. | 6 | 1.0% | — |
| 23 | FREEDOM MORTGAGE CORPORATION | 6 | 1.0% | — |
| 24 | GMFS LLC | 6 | 1.0% | — |
| 25 | University Bank 60 out of 100, Moderate | 6 | 1.0% | 4.9% |
| 26 | Citizens Bank, National Association 54 out of 100, Below average | 5 | 0.8% | 32.5% |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 0.8% | — |
| 28 | SOUTHWEST STAGE FUNDING, LLC | 5 | 0.8% | — |
| 29 | AMERICAN FINANCING CORPORATION | 5 | 0.8% | — |
| 30 | MIDFLORIDA | 5 | 0.8% | — |
| 31 | TOWNE MORTGAGE COMPANY | 5 | 0.8% | — |
| 32 | CARRINGTON MORTGAGE SERVICES, LLC | 5 | 0.8% | — |
| 33 | Fairway Independent Mortgage Corporation | 4 | 0.7% | — |
| 34 | Gulf Winds Credit Union 69 out of 100, Moderate | 4 | 0.7% | 27.1% |
| 35 | FIGURE LENDING LLC | 4 | 0.7% | — |
| 36 | VYSTAR CREDIT UNION 51 out of 100, Below average | 4 | 0.7% | 48.8% |
| 37 | DELMAR FINANCIAL COMPANY | 4 | 0.7% | — |
| 38 | FIRST FLORIDA Credit Union 72 out of 100, Strong | 4 | 0.7% | 27.8% |
| 39 | Coastal Community Bank 35 out of 100, Low | 4 | 0.7% | 3.0% |
| 40 | Thomasville National Bank | 4 | 0.7% | — |
Top 40 of 119 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