Largest lenders in Baker County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vystar Credit Union | D | 95 | 47 | 39.0% | 6.63% |
| 2 | 21st Mortgage | F | 82 | 16 | 41.5% | 8.89% |
| 3 | United Shore Financial Services | B | 62 | 47 | 6.5% | 6.12% |
| 4 | First Federal Bank | B | 52 | 42 | 7.7% | 6.50% |
| 5 | Rocket Mortgage | C | 49 | 37 | 14.3% | 6.63% |
| 6 | Mortgage Research Center | C | 32 | 16 | 9.4% | 6.25% |
| 7 | Navy Federal Credit Union | D | 30 | 10 | 40.0% | 7.19% |
| 8 | Towne Mortgage | B | 25 | 16 | 0.0% | 6.63% |
| 9 | Broker Solutions | D | 20 | 11 | 10.0% | 7.25% |
| 10 | Triad Financial Services | D | 17 | 5 | 35.3% | 8.75% |
| 11 | Movement Mortgage | A | 16 | 10 | 6.3% | 6.19% |
| 12 | Guild Mortgage | A | 16 | 10 | 0.0% | 7.00% |
| 13 | Pennymac Loan Services | C | 15 | 10 | 6.7% | 6.38% |
| 14 | Carrington Mortgage Services | D | 15 | 7 | 33.3% | 6.13% |
| 15 | Newrez | D | 15 | 5 | 0.0% | 6.50% |
| 16 | Freedom Mortgage | B | 14 | 9 | 14.3% | 6.25% |
| 17 | American Pacific Mortgage | C | 14 | 13 | 7.1% | 6.13% |
| 18 | Vanderbilt Mortgage and Finance | F | 14 | 4 | 21.4% | 8.75% |
| 19 | Inspire Home Loans | B | 13 | 10 | 7.7% | 4.88% |
| 20 | Everett Financial | C | 11 | 8 | 0.0% | 7.13% |
| 21 | Crosscountry Mortgage | B | 11 | 10 | 0.0% | 6.41% |
| 22 | Florida Credit Union | D | 11 | 1 | 63.6% | 5.99% |
| 23 | Guaranteed Rate | B | 10 | 3 | 20.0% | 6.50% |
| 24 | Community First Credit Union of Flo | D | 10 | 5 | 40.0% | 6.31% |
| 25 | Union Home Mortgage | B | 9 | 8 | 0.0% | 6.50% |
Best approval odds in Baker County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 51 | 7.8% |
| 2 | Vystar Credit Union | 86 | 43.0% |
| 3 | 21st Mortgage | 53 | 64.2% |
What Baker County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Baker County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 910 | 453 | 25.3% | 6.75% | $195,000 |
| 2024 | 847 | 436 | 20.4% | 6.75% | $205,000 |
| 2025 | 931 | 514 | 20.0% | 6.50% | $215,000 |
Frequently asked questions
20.0% of applications in Baker County were denied in 2025, against 21.1% statewide in Florida.
Vystar Credit Union, with 95 applications in 2025 and a denial rate of 39.0%.
The median mortgage application in Baker County in 2025 was for $215,000; the median property value on originated loans was $325,000.