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Flagler County, Florida · 2025

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

436 lenders acted on 8,151 mortgage applications for properties in Flagler County in 2025. 18.9% were denied (Florida: 21.1%). Median rate on closed loans 6.49%; median loan $265,000; median property value $375,000.

8.2kApplications
18.9%Denial ratestate 21.1%
6.49%Median ratestate 6.63%
$265,000Median loan
$375,000Median property value

Largest lenders in Flagler County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 777586 11.5%6.25%
2 Rocket Mortgage C 460332 16.5%6.50%
3 Dhi Mortgage Company B 392270 14.3%4.63%
4 Vystar Credit Union D 308139 34.7%6.75%
5 Space Coast Credit Union C 243130 26.8%5.56%
6 Bank of America F 22591 35.1%6.49%
7 Loandepot.Com D 205120 26.3%4.99%
8 Truist Bank C 189106 28.0%6.94%
9 Pennymac Loan Services C 17697 11.4%6.88%
10 Mortgage Research Center C 16462 16.5%5.99%
11 PNC Bank D 15667 42.3%7.37%
12 Newrez D 14850 16.2%6.88%
13 Navy Federal Credit Union D 14572 20.0%6.88%
14 CMG Mortgage A 139105 2.2%6.19%
15 Kbhs Home Loans B 12684 4.8%6.23%
16 Freedom Mortgage B 12546 10.4%6.25%
17 Crosscountry Mortgage B 11773 5.1%6.75%
18 Ameris Bank B 11276 8.9%7.25%
19 The Loan Store B 10469 9.6%7.13%
20 Coastal Loans B 9886 4.1%4.99%
21 Spring Eq D 9017 63.3%8.98%
22 Coastal Community Bank C 9018 4.4%9.99%
23 Inspire Home Loans B 8756 12.6%4.88%
24 New Day Financial F 8114 24.7%6.93%
25 AmeriSave Mortgage D 7615 65.8%7.63%

Best approval odds in Flagler County

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

#LenderDecidedDecision denial rate
1CMG Mortgage1182.5%
2Coastal Loans914.4%
3Kbhs Home Loans936.5%
4Coastal Community Bank557.3%
5Crosscountry Mortgage817.4%
6The Loan Store9111.0%
7Ameris Bank8711.5%
8United Shore Financial Services68613.0%
9Nationstar Mortgage5414.8%
10Wells Fargo Bank5414.8%

What Flagler County borrowers applied for

By loan purpose

Home purchase 4,126 51% · 10.7% denied
Refinance 916 11% · 17.4% denied
Cash-out refinance 1,370 17% · 24.1% denied
Home improvement 688 8% · 32.7% denied
Other / HELOC 1,051 13% · 36.4% denied

By loan type

Conventional 5,532 68% · 20.2% denied
FHA 1,461 18% · 18.0% denied
VA 1,148 14% · 13.8% denied
USDA / RHS 10 0% · 10.0% denied

Why applications were denied

Debt-to-income ratio 595 39%
Credit history 341 22%
Incomplete application 225 15%
Collateral 172 11%
Other 95 6%
Unverifiable information 53 3%
Insufficient cash 37 2%
Employment history 12 1%
Mortgage insurance denied 1 0%

Flagler County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20237,7504,24021.4%6.75%$245,000
20247,8294,31220.4%6.63%$255,000
20258,1514,58418.9%6.49%$265,000

Frequently asked questions

18.9% of applications in Flagler County were denied in 2025, against 21.1% statewide in Florida.

United Shore Financial Services, with 777 applications in 2025 and a denial rate of 11.5%.

The median mortgage application in Flagler County in 2025 was for $265,000; the median property value on originated loans was $375,000.