Largest lenders in Citrus County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 646 | 454 | 12.5% | 6.38% |
| 2 | Rocket Mortgage | C | 576 | 384 | 19.6% | 6.63% |
| 3 | Suncoast Credit Union | C | 571 | 379 | 17.7% | 7.00% |
| 4 | Regions Bank | C | 290 | 140 | 36.9% | 6.13% |
| 5 | Mortgage Research Center | C | 286 | 142 | 17.1% | 6.25% |
| 6 | Brannen Bank | B | 243 | 193 | 7.0% | — |
| 7 | 21st Mortgage | F | 233 | 57 | 42.9% | 8.82% |
| 8 | Truist Bank | C | 232 | 114 | 33.6% | 7.05% |
| 9 | Bank of America | F | 220 | 71 | 36.8% | 6.49% |
| 10 | Crosscountry Mortgage | B | 190 | 122 | 1.1% | 6.54% |
| 11 | Everett Financial | C | 166 | 114 | 6.0% | 6.93% |
| 12 | Pennymac Loan Services | C | 164 | 90 | 14.6% | 6.50% |
| 13 | Fairway Independent Mortgage | B | 153 | 113 | 7.2% | 6.75% |
| 14 | Freedom Mortgage | B | 150 | 66 | 10.0% | 6.25% |
| 15 | Newrez | D | 148 | 63 | 13.5% | 6.50% |
| 16 | Navy Federal Credit Union | D | 147 | 72 | 10.9% | 6.63% |
| 17 | Broker Solutions | D | 141 | 58 | 14.2% | 6.88% |
| 18 | New Day Financial | F | 123 | 20 | 19.5% | 6.99% |
| 19 | Florida Credit Union | D | 115 | 21 | 49.6% | 6.25% |
| 20 | AmeriSave Mortgage | D | 110 | 31 | 58.2% | 7.00% |
| 21 | Rmc Home Mortgage | B | 106 | 88 | 1.9% | 6.50% |
| 22 | Midflorida | C | 100 | 42 | 37.0% | 6.38% |
| 23 | Spring Eq | D | 96 | 26 | 56.3% | 8.93% |
| 24 | Coastal Community Bank | C | 90 | 18 | 1.1% | 9.99% |
| 25 | CMG Mortgage | A | 85 | 57 | 8.2% | 5.50% |
Best approval odds in Citrus County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 130 | 1.5% |
| 2 | Coastal Community Bank | 57 | 1.8% |
| 3 | Rmc Home Mortgage | 90 | 2.2% |
| 4 | Movement Mortgage | 59 | 3.4% |
| 5 | Brannen Bank | 212 | 8.0% |
| 6 | Everett Financial | 124 | 8.1% |
| 7 | Fairway Independent Mortgage | 126 | 8.7% |
| 8 | CMG Mortgage | 72 | 9.7% |
| 9 | American Heritage Lending | 50 | 10.0% |
| 10 | Union Home Mortgage | 50 | 10.0% |
What Citrus County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Citrus County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 8,526 | 4,437 | 22.1% | 6.88% | $175,000 |
| 2024 | 8,594 | 4,606 | 20.6% | 6.87% | $185,000 |
| 2025 | 9,432 | 5,177 | 19.0% | 6.63% | $195,000 |
Frequently asked questions
19.0% of applications in Citrus County were denied in 2025, against 21.1% statewide in Florida.
United Shore Financial Services, with 646 applications in 2025 and a denial rate of 12.5%.
The median mortgage application in Citrus County in 2025 was for $195,000; the median property value on originated loans was $285,000.