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Bradford County, Florida · 2025

Mortgage lenders in Bradford County, FL: denial rates and top lenders (2025)

162 lenders acted on 1,034 mortgage applications for properties in Bradford County in 2025. 23.4% were denied (Florida: 21.1%). Median rate on closed loans 6.63%; median loan $195,000; median property value $265,000.

1.0kApplications
23.4%Denial ratestate 21.1%
6.63%Median ratestate 6.63%
$195,000Median loan
$265,000Median property value

Largest lenders in Bradford County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 10726 43.0%9.13%
2 United Shore Financial Services B 8365 10.8%6.13%
3 Vystar Credit Union D 8332 43.4%6.75%
4 Florida Credit Union D 5019 32.0%7.50%
5 Rocket Mortgage C 4934 22.5%6.56%
6 Freedom Mortgage B 2613 11.5%5.75%
7 Mortgage Research Center C 269 23.1%6.50%
8 Affordable Mortgage Advisors, LLC. B 2419 8.3%6.50%
9 Navy Federal Credit Union D 2214 9.1%6.25%
10 Triad Financial Services D 204 20.0%8.67%
11 Vanderbilt Mortgage and Finance F 201 10.0%9.75%
12 Newrez D 188 0.0%6.50%
13 Broker Solutions D 166 12.5%7.13%
14 Capital City Bank B 1610 31.3%6.99%
15 Crosscountry Mortgage B 158 13.3%6.69%
16 Equity Prime Mortgage D 134 7.7%7.56%
17 Coastal Community Bank C 123 25.0%7.49%
18 First Federal Bank B 1111 0.0%6.50%
19 Guild Mortgage A 117 9.1%6.75%
20 Loandepot.Com D 116 27.3%6.93%
21 Pennymac Loan Services C 103 30.0%6.50%
22 New Day Financial F 101 20.0%7.25%
23 Everett Financial C 97 0.0%6.88%
24 Guaranteed Rate B 93 22.2%6.73%
25 Union Home Mortgage B 98 0.0%6.81%

Best approval odds in Bradford County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1United Shore Financial Services7412.2%
2Vystar Credit Union6852.9%
321st Mortgage7660.5%

What Bradford County borrowers applied for

By loan purpose

Home purchase 548 53% · 16.1% denied
Refinance 112 11% · 18.8% denied
Cash-out refinance 182 18% · 35.2% denied
Home improvement 78 8% · 33.3% denied
Other / HELOC 114 11% · 37.7% denied

By loan type

Conventional 632 61% · 28.6% denied
FHA 220 21% · 16.8% denied
VA 166 16% · 13.3% denied
USDA / RHS 16 2% · 12.5% denied

Why applications were denied

Credit history 82 34%
Debt-to-income ratio 65 27%
Collateral 43 18%
Incomplete application 24 10%
Other 14 6%
Unverifiable information 7 3%
Insufficient cash 3 1%
Employment history 3 1%

Bradford County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202383238328.3%6.88%$155,000
202496443726.5%6.99%$175,000
20251,03450023.4%6.63%$195,000

Frequently asked questions

23.4% of applications in Bradford County were denied in 2025, against 21.1% statewide in Florida.

21st Mortgage, with 107 applications in 2025 and a denial rate of 43.0%.

The median mortgage application in Bradford County in 2025 was for $195,000; the median property value on originated loans was $265,000.