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Clay County, Florida · 2025

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

384 lenders acted on 11,017 mortgage applications for properties in Clay County in 2025. 19.0% were denied (Florida: 21.1%). Median rate on closed loans 6.49%; median loan $245,000; median property value $355,000.

11kApplications
19.0%Denial ratestate 21.1%
6.49%Median ratestate 6.63%
$245,000Median loan
$355,000Median property value

Largest lenders in Clay County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 896667 8.5%6.13%
2 Vystar Credit Union D 865412 34.0%6.88%
3 Navy Federal Credit Union D 664326 22.1%7.75%
4 Rocket Mortgage C 574405 17.8%6.50%
5 Lennar Mortgage A 334254 10.8%4.50%
6 Jet Homeloans A 319218 2.8%4.99%
7 Mortgage Research Center C 310125 21.0%6.25%
8 Freedom Mortgage B 266128 9.0%6.13%
9 Loandepot.Com D 246130 27.2%6.25%
10 Dhi Mortgage Company B 244171 16.4%3.99%
11 Pennymac Loan Services C 234117 9.4%6.25%
12 Community First Credit Union of Flo D 209131 20.6%6.82%
13 Guild Mortgage A 192135 6.3%6.63%
14 Newrez D 17165 19.9%6.50%
15 21st Mortgage F 14924 45.0%9.02%
16 Lakeview Loan Servicing C 14032 54.3%6.13%
17 Bank of America F 13338 48.9%6.49%
18 New Day Financial F 13219 22.7%6.99%
19 Spring Eq D 12929 57.4%9.30%
20 Pulte Mortgage A 12987 11.6%5.13%
21 Broker Solutions D 12639 16.7%6.50%
22 CMG Mortgage A 12175 3.3%6.73%
23 Coastal Community Bank C 12128 1.7%10.49%
24 Crosscountry Mortgage B 11264 5.4%6.58%
25 PNC Bank D 10655 33.0%7.62%

Best approval odds in Clay County

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

#LenderDecidedDecision denial rate
1Loanpeople620.0%
2Coastal Community Bank742.7%
3Network Funding543.7%
4Movement Mortgage813.7%
5Jet Homeloans2343.9%
6CMG Mortgage904.4%
7Guild Mortgage1607.5%
8First Federal Bank608.3%
9Crosscountry Mortgage728.3%
10Fairway Independent Mortgage5010.0%

What Clay County borrowers applied for

By loan purpose

Home purchase 5,158 47% · 10.2% denied
Refinance 1,478 13% · 18.9% denied
Cash-out refinance 2,158 20% · 22.3% denied
Home improvement 841 8% · 31.2% denied
Other / HELOC 1,382 13% · 39.4% denied

By loan type

Conventional 6,032 55% · 22.9% denied
FHA 2,211 20% · 16.8% denied
VA 2,692 24% · 12.3% denied
USDA / RHS 82 1% · 18.3% denied

Why applications were denied

Debt-to-income ratio 660 32%
Credit history 568 27%
Incomplete application 308 15%
Collateral 232 11%
Other 185 9%
Insufficient cash 65 3%
Unverifiable information 59 3%
Employment history 14 1%

Clay County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202310,7225,79621.1%6.63%$235,000
202410,8225,90119.5%6.63%$245,000
202511,0176,08119.0%6.49%$245,000

Frequently asked questions

19.0% of applications in Clay County were denied in 2025, against 21.1% statewide in Florida.

United Shore Financial Services, with 896 applications in 2025 and a denial rate of 8.5%.

The median mortgage application in Clay County in 2025 was for $245,000; the median property value on originated loans was $355,000.