Largest lenders in Alachua County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Florida Credit Union | D | 581 | 179 | 35.8% | 6.25% |
| 2 | Campus USA Credit Union | C | 494 | 391 | 5.9% | 6.88% |
| 3 | Rocket Mortgage | C | 366 | 256 | 13.9% | 6.63% |
| 4 | United Shore Financial Services | B | 333 | 229 | 16.2% | 6.38% |
| 5 | 21st Mortgage | F | 331 | 55 | 54.7% | 10.29% |
| 6 | Dhi Mortgage Company | B | 323 | 238 | 12.7% | 4.99% |
| 7 | Radiant Credit Union | C | 251 | 134 | 34.7% | 6.06% |
| 8 | Ameris Bank | B | 209 | 144 | 5.3% | 6.56% |
| 9 | American Financial Network | C | 181 | 127 | 2.2% | 6.63% |
| 10 | Lennar Mortgage | A | 176 | 132 | 19.9% | 5.00% |
| 11 | Affordable Mortgage Advisors, LLC. | B | 168 | 124 | 1.8% | 6.63% |
| 12 | Bank of America | F | 160 | 58 | 28.8% | 6.49% |
| 13 | Navy Federal Credit Union | D | 154 | 65 | 24.7% | 6.25% |
| 14 | Mortgage Research Center | C | 153 | 61 | 18.3% | 6.25% |
| 15 | Pennymac Loan Services | C | 149 | 75 | 12.8% | 6.50% |
| 16 | Vystar Credit Union | D | 130 | 48 | 40.0% | 6.81% |
| 17 | Truist Bank | C | 123 | 65 | 32.5% | 6.49% |
| 18 | Advisors Mortgage Group | B | 115 | 99 | 2.6% | 6.49% |
| 19 | Newrez | D | 114 | 36 | 28.1% | 6.94% |
| 20 | PNC Bank | D | 108 | 61 | 27.8% | 7.25% |
| 21 | Mortgage Lenders Investment Trading | C | 103 | 87 | 3.9% | 7.13% |
| 22 | Guaranteed Rate | B | 102 | 46 | 5.9% | 6.75% |
| 23 | Freedom Mortgage | B | 98 | 38 | 12.2% | 6.25% |
| 24 | Crosscountry Mortgage | B | 97 | 54 | 7.2% | 6.69% |
| 25 | Broker Solutions | D | 86 | 31 | 11.6% | 6.63% |
Best approval odds in Alachua County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Coastal Community Bank | 50 | 2.0% |
| 2 | Affordable Mortgage Advisors, LLC. | 127 | 2.4% |
| 3 | Advisors Mortgage Group | 102 | 2.9% |
| 4 | American Financial Network | 131 | 3.1% |
| 5 | Mortgage Lenders Investment Trading | 95 | 4.2% |
| 6 | Campus USA Credit Union | 421 | 6.9% |
| 7 | Ameris Bank | 157 | 7.0% |
| 8 | Everett Financial | 55 | 9.1% |
| 9 | Guaranteed Rate | 57 | 10.5% |
| 10 | Crosscountry Mortgage | 64 | 10.9% |
What Alachua County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Alachua County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 7,827 | 4,165 | 22.2% | 6.88% | $175,000 |
| 2024 | 7,806 | 4,233 | 21.9% | 6.75% | $195,000 |
| 2025 | 8,562 | 4,530 | 20.3% | 6.63% | $205,000 |
Frequently asked questions
20.3% of applications in Alachua County were denied in 2025, against 21.1% statewide in Florida.
Florida Credit Union, with 581 applications in 2025 and a denial rate of 35.8%.
The median mortgage application in Alachua County in 2025 was for $205,000; the median property value on originated loans was $335,000.