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Gadsden County, Florida · 2025

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

175 lenders acted on 1,306 mortgage applications for properties in Gadsden County in 2025. 29.8% were denied (Florida: 21.1%). Median rate on closed loans 6.75%; median loan $165,000; median property value $255,000.

1.3kApplications
29.8%Denial ratestate 21.1%
6.75%Median ratestate 6.63%
$165,000Median loan
$255,000Median property value

Largest lenders in Gadsden County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 20327 54.7%9.88%
2 Vanderbilt Mortgage and Finance F 813 35.8%9.50%
3 Rocket Mortgage C 7039 27.1%6.50%
4 United Shore Financial Services B 4424 20.5%6.00%
5 Loandepot.Com D 4228 11.9%6.50%
6 University Bank A 3728 5.4%6.38%
7 First Commerce Credit Union C 3516 28.6%7.25%
8 Triad Financial Services D 353 54.3%8.53%
9 Mortgage Research Center C 3010 16.7%6.31%
10 Capital City Home Loans C 2515 16.0%6.50%
11 Movement Mortgage A 2415 0.0%6.50%
12 Newrez D 2110 33.3%6.99%
13 Navy Federal Credit Union D 215 42.9%9.50%
14 Freedom Mortgage B 206 5.0%6.00%
15 Southwest Stage Funding F 184 16.7%7.48%
16 Truist Bank C 175 58.8%6.75%
17 AmeriSave Mortgage D 170 76.5%—
18 Pennymac Loan Services C 166 18.8%6.62%
19 ServisFirst Bank A 1614 6.3%6.56%
20 Centennial Bank D 165 43.8%6.75%
21 Coastal Community Bank C 151 0.0%14.99%
22 Ameris Bank B 1411 21.4%6.63%
23 Broker Solutions D 143 14.3%6.99%
24 Regions Bank C 127 41.7%4.99%
25 Delmar Financial A 1211 0.0%6.50%

Best approval odds in Gadsden County

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

#LenderDecidedDecision denial rate
1Rocket Mortgage6131.2%
221st Mortgage14477.1%

What Gadsden County borrowers applied for

By loan purpose

Home purchase 719 55% · 27.1% denied
Refinance 120 9% · 27.5% denied
Cash-out refinance 271 21% · 28.4% denied
Home improvement 77 6% · 48.1% denied
Other / HELOC 119 9% · 39.5% denied

By loan type

Conventional 897 69% · 35.6% denied
FHA 265 20% · 20.8% denied
VA 129 10% · 10.1% denied
USDA / RHS 15 1% · 13.3% denied

Why applications were denied

Credit history 171 44%
Debt-to-income ratio 103 27%
Incomplete application 46 12%
Collateral 25 6%
Other 17 4%
Unverifiable information 14 4%
Insufficient cash 7 2%
Employment history 5 1%

Gadsden County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,24947333.3%6.75%$165,000
20241,35150332.0%6.88%$155,000
20251,30649129.8%6.75%$165,000

Frequently asked questions

29.8% of applications in Gadsden County were denied in 2025, against 21.1% statewide in Florida.

21st Mortgage, with 203 applications in 2025 and a denial rate of 54.7%.

The median mortgage application in Gadsden County in 2025 was for $165,000; the median property value on originated loans was $255,000.