Largest lenders in Franklin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | CMG Mortgage | A | 50 | 35 | 4.0% | 6.99% |
| 2 | Centennial Bank | D | 36 | 19 | 22.2% | 7.50% |
| 3 | 21st Mortgage | F | 29 | 7 | 37.9% | 9.62% |
| 4 | Rocket Mortgage | C | 27 | 19 | 22.2% | 6.75% |
| 5 | Vanderbilt Mortgage and Finance | F | 27 | 3 | 33.3% | 11.25% |
| 6 | Loandepot.Com | D | 20 | 10 | 25.0% | 7.00% |
| 7 | Ameris Bank | B | 16 | 12 | 6.3% | 7.00% |
| 8 | Tyndall Federal Credit Union | C | 16 | 6 | 31.3% | 7.00% |
| 9 | Unnamed lender 89450050X5UV1V72BV64 | – | 14 | 14 | 0.0% | — |
| 10 | PeoplesSouth Bank | A | 14 | 14 | 0.0% | 7.25% |
| 11 | United Shore Financial Services | B | 12 | 7 | 8.3% | 6.54% |
| 12 | Triad Financial Services | D | 12 | 1 | 50.0% | 9.53% |
| 13 | American Pacific Mortgage | C | 10 | 4 | 30.0% | 6.94% |
| 14 | Spring Eq | D | 9 | 1 | 55.6% | 10.40% |
| 15 | Truist Bank | C | 8 | 6 | 12.5% | 7.03% |
| 16 | AmeriSave Mortgage | D | 8 | 0 | 87.5% | — |
| 17 | Crosscountry Mortgage | B | 8 | 7 | 0.0% | 6.50% |
| 18 | Capital City Home Loans | C | 8 | 6 | 0.0% | 7.31% |
| 19 | Better Mortgage | F | 7 | 0 | 28.6% | — |
| 20 | Newrez | D | 7 | 3 | 14.3% | 6.63% |
| 21 | Figure Lending | C | 7 | 4 | 28.6% | 8.40% |
| 22 | Thomasville National Bank | A | 6 | 6 | 0.0% | — |
| 23 | Prime Meridian Bank | B | 6 | 5 | 0.0% | — |
| 24 | Coastal Community Bank | C | 6 | 1 | 0.0% | 6.99% |
| 25 | Bank of America | F | 5 | 2 | 20.0% | 5.87% |
What Franklin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Franklin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 584 | 298 | 20.7% | 7.13% | $255,000 |
| 2024 | 609 | 279 | 20.5% | 7.13% | $225,000 |
| 2025 | 601 | 313 | 20.6% | 6.99% | $225,000 |
Frequently asked questions
20.6% of applications in Franklin County were denied in 2025, against 21.1% statewide in Florida.
CMG Mortgage, with 50 applications in 2025 and a denial rate of 4.0%.
The median mortgage application in Franklin County in 2025 was for $225,000; the median property value on originated loans was $445,000.