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Duval County, Florida · 2025

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

630 lenders acted on 40,362 mortgage applications for properties in Duval County in 2025. 20.1% were denied (Florida: 21.1%). Median rate on closed loans 6.50%; median loan $215,000; median property value $325,000.

40kApplications
20.1%Denial ratestate 21.1%
6.50%Median ratestate 6.63%
$215,000Median loan
$325,000Median property value

Largest lenders in Duval County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 3,2972,437 10.4%6.25%
2 Vystar Credit Union D 2,5241,096 35.7%6.88%
3 Navy Federal Credit Union D 1,993896 21.5%7.50%
4 Rocket Mortgage C 1,9751,346 19.4%6.63%
5 Mortgage Research Center C 1,064438 22.0%6.19%
6 Community First Credit Union of Flo D 1,047642 21.0%6.88%
7 21st Mortgage F 862141 57.7%10.93%
8 Bank of America F 856393 29.3%6.24%
9 Freedom Mortgage B 726336 8.1%6.25%
10 Pennymac Loan Services C 719372 12.1%6.38%
11 Movement Mortgage A 715497 4.1%6.38%
12 Newrez D 664212 22.0%6.50%
13 Ameris Bank B 562374 13.0%6.13%
14 Loandepot.Com D 543296 26.9%6.25%
15 Regions Bank C 532193 39.1%6.13%
16 Dhi Mortgage Company B 532366 17.3%3.99%
17 Lennar Mortgage A 490386 13.7%4.50%
18 Guild Mortgage A 478337 6.1%6.50%
19 Coastal Community Bank C 44996 3.1%9.74%
20 Spring Eq D 44295 57.5%9.53%
21 Crosscountry Mortgage B 427250 4.9%6.63%
22 Kiavi Funding D 421278 8.6%9.95%
23 Broker Solutions D 403146 9.4%6.63%
24 Everett Financial C 370249 6.8%6.63%
25 Truist Bank C 364130 42.3%6.78%

Best approval odds in Duval County

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

#LenderDecidedDecision denial rate
1Dominion Financial Services630.0%
2212 Loans, LLC.940.0%
3Rf Renovo Management Company960.0%
4Emm Loans2151.4%
5Bpl Mortgage Trust621.6%
6Swbc Mortgage1012.0%
7Renasant Bank893.4%
8Towne Mortgage573.5%
9American Neighborhood Mortgage Acceptance Company1073.7%
10Loanpeople2313.9%

What Duval County borrowers applied for

By loan purpose

Home purchase 19,934 49% · 12.3% denied
Refinance 4,991 12% · 19.9% denied
Cash-out refinance 7,683 19% · 23.7% denied
Home improvement 3,236 8% · 34.1% denied
Other / HELOC 4,518 11% · 38.8% denied

By loan type

Conventional 26,936 67% · 22.4% denied
FHA 6,749 17% · 17.8% denied
VA 6,637 16% · 13.4% denied
USDA / RHS 40 0% · 2.5% denied

Why applications were denied

Debt-to-income ratio 2,498 31%
Credit history 2,282 28%
Collateral 1,046 13%
Incomplete application 1,043 13%
Other 673 8%
Unverifiable information 286 4%
Insufficient cash 206 3%
Employment history 84 1%
Mortgage insurance denied 5 0%

Duval County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202339,03320,03523.3%6.75%$195,000
202440,06920,95521.6%6.63%$205,000
202540,36221,49020.1%6.50%$215,000

Frequently asked questions

20.1% of applications in Duval County were denied in 2025, against 21.1% statewide in Florida.

United Shore Financial Services, with 3,297 applications in 2025 and a denial rate of 10.4%.

The median mortgage application in Duval County in 2025 was for $215,000; the median property value on originated loans was $325,000.