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Columbia County, Florida · 2025

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

215 lenders acted on 2,569 mortgage applications for properties in Columbia County in 2025. 25.5% were denied (Florida: 21.1%). Median rate on closed loans 6.63%; median loan $175,000; median property value $285,000.

2.6kApplications
25.5%Denial ratestate 21.1%
6.63%Median ratestate 6.63%
$175,000Median loan
$285,000Median property value

Largest lenders in Columbia County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 26252 49.6%9.45%
2 Florida Credit Union D 17856 38.8%6.50%
3 United Shore Financial Services B 148111 8.1%6.43%
4 Rocket Mortgage C 134101 14.9%6.50%
5 Vystar Credit Union D 10139 37.6%6.50%
6 First Federal Bank B 8253 18.3%6.38%
7 Mortgage Research Center C 7533 25.3%6.25%
8 Campus USA Credit Union C 7558 10.7%6.75%
9 Triad Financial Services D 6918 33.3%9.15%
10 Movement Mortgage A 5442 3.7%6.25%
11 Atlantic Bay Mortgage Group A 5236 3.9%6.75%
12 American Financial Network C 5235 1.9%6.63%
13 Broker Solutions D 4813 10.4%6.75%
14 Radiant Credit Union C 4730 25.5%4.99%
15 Vanderbilt Mortgage and Finance F 458 44.4%8.87%
16 Navy Federal Credit Union D 4318 20.9%6.94%
17 Pennymac Loan Services C 4219 7.1%6.50%
18 Freedom Mortgage B 3313 6.1%6.25%
19 AmeriSave Mortgage D 325 75.0%6.50%
20 Bank of America F 296 51.7%6.37%
21 Loandepot.Com D 2810 32.1%6.43%
22 New Day Financial F 278 14.8%7.12%
23 Crosscountry Mortgage B 2610 3.9%6.63%
24 Affordable Mortgage Advisors, LLC. B 2616 11.5%6.50%
25 Union Home Mortgage B 2513 24.0%6.63%

Best approval odds in Columbia County

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

#LenderDecidedDecision denial rate
1United Shore Financial Services1249.7%
2Campus USA Credit Union6612.1%
3Rocket Mortgage12316.3%
4First Federal Bank6822.1%
5Triad Financial Services6833.8%
6Mortgage Research Center5335.9%
7Vystar Credit Union7948.1%
8Florida Credit Union12654.8%
921st Mortgage18669.9%

What Columbia County borrowers applied for

By loan purpose

Home purchase 1,285 50% · 21.8% denied
Refinance 281 11% · 20.3% denied
Cash-out refinance 490 19% · 26.7% denied
Home improvement 212 8% · 35.4% denied
Other / HELOC 301 12% · 37.5% denied

By loan type

Conventional 1,645 64% · 30.3% denied
FHA 557 22% · 18.0% denied
VA 356 14% · 14.9% denied
USDA / RHS 11 0% · 45.5% denied

Why applications were denied

Credit history 243 37%
Debt-to-income ratio 153 23%
Incomplete application 77 12%
Collateral 77 12%
Other 57 9%
Unverifiable information 27 4%
Insufficient cash 12 2%
Employment history 8 1%

Columbia County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,4041,01728.7%7.00%$155,000
20242,3111,06024.9%6.99%$165,000
20252,5691,14025.5%6.63%$175,000

Frequently asked questions

25.5% of applications in Columbia County were denied in 2025, against 21.1% statewide in Florida.

21st Mortgage, with 262 applications in 2025 and a denial rate of 49.6%.

The median mortgage application in Columbia County in 2025 was for $175,000; the median property value on originated loans was $285,000.