Florida · HMDA 2025
Mortgage lenders in Madison County, FL
130 lenders reported 632 home-loan applications in Madison County in 2025. 208 closed as loans ($38.9M), 184 were denied — a 44.2% denial rate on decided applications, above the Florida rate of 27.1%. The three most active lenders handled 34% of applications, led by 21st Mortgage Corporation. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 632
- Loans originated
- 208
- Purchase / refinance
- 118 / 62
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Madison County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 148 | 23.4% | — |
| 2 | Rocket Mortgage, LLC | 33 | 5.2% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 31 | 4.9% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 31 | 4.9% | — |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 23 | 3.6% | — |
| 6 | Mortgage Research Center, LLC | 16 | 2.5% | — |
| 7 | Capital City Home Loans, LLC | 15 | 2.4% | — |
| 8 | Navy Federal Credit Union 66 out of 100, Moderate | 13 | 2.1% | 32.9% |
| 9 | Loandepot.Com, LLC | 11 | 1.7% | — |
| 10 | LAKEVIEW LOAN SERVICING, LLC | 10 | 1.6% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 9 | 1.4% | — |
| 12 | PLANET HOME LENDING, LLC | 9 | 1.4% | — |
| 13 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 9 | 1.4% | 74.7% |
| 14 | NEWREZ LLC | 8 | 1.3% | — |
| 15 | Citizens Bank, National Association 54 out of 100, Below average | 8 | 1.3% | 32.5% |
| 16 | Broker Solutions, Inc. | 8 | 1.3% | — |
| 17 | Bank of America, National Association 59 out of 100, Moderate | 8 | 1.3% | 44.7% |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 1.1% | — |
| 19 | HOMEXPRESS MORTGAGE CORP. | 7 | 1.1% | — |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 0.9% | 14.1% |
| 21 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 6 | 0.9% | 22.2% |
| 22 | AMERICAN FINANCIAL NETWORK, INC. | 6 | 0.9% | — |
| 23 | FREEDOM MORTGAGE CORPORATION | 6 | 0.9% | — |
| 24 | NEW DAY FINANCIAL, LLC | 6 | 0.9% | — |
| 25 | CARRINGTON MORTGAGE SERVICES, LLC | 6 | 0.9% | — |
| 26 | VYSTAR CREDIT UNION 51 out of 100, Below average | 5 | 0.8% | 48.8% |
| 27 | NATIONSTAR MORTGAGE LLC | 5 | 0.8% | — |
| 28 | MIDFLORIDA | 5 | 0.8% | — |
| 29 | AmeriSave Mortgage Corporation | 4 | 0.6% | — |
| 30 | CSL Financial, LLC | 4 | 0.6% | — |
| 31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | 0.6% | — |
| 32 | Florida Credit Union 75 out of 100, Strong | 4 | 0.6% | 70.0% |
| 33 | AMERICAN FINANCING CORPORATION | 4 | 0.6% | — |
| 34 | Mortgage Lenders Investment Trading Corporation | 4 | 0.6% | — |
| 35 | EVERETT FINANCIAL, INC. | 4 | 0.6% | — |
| 36 | USAA Federal Savings Bank 64 out of 100, Moderate | 4 | 0.6% | 37.2% |
| 37 | GUARANTEED RATE, INC. | 3 | 0.5% | — |
| 38 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 0.5% | 33.8% |
| 39 | Radiant Credit Union 65 out of 100, Moderate | 3 | 0.5% | 41.0% |
| 40 | Capital City Bank 72 out of 100, Strong | 3 | 0.5% | 32.0% |
Top 40 of 130 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