Largest lenders in Gilchrist County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 84 | 23 | 33.3% | 9.56% |
| 2 | United Shore Financial Services | B | 47 | 36 | 2.1% | 6.13% |
| 3 | Rocket Mortgage | C | 47 | 36 | 14.9% | 6.63% |
| 4 | Vanderbilt Mortgage and Finance | F | 32 | 4 | 43.8% | 9.50% |
| 5 | Florida Credit Union | D | 31 | 11 | 45.2% | 6.50% |
| 6 | Affordable Mortgage Advisors, LLC. | B | 27 | 20 | 3.7% | 6.13% |
| 7 | Radiant Credit Union | C | 27 | 9 | 40.7% | 6.13% |
| 8 | Campus USA Credit Union | C | 26 | 22 | 3.9% | 7.63% |
| 9 | Mortgage Research Center | C | 25 | 8 | 36.0% | 6.19% |
| 10 | Broker Solutions | D | 23 | 9 | 8.7% | 6.75% |
| 11 | Capital City Bank | B | 22 | 13 | 36.4% | 6.99% |
| 12 | Union Home Mortgage | B | 21 | 19 | 0.0% | 6.75% |
| 13 | Triad Financial Services | D | 20 | 3 | 25.0% | 10.85% |
| 14 | Pennymac Loan Services | C | 17 | 6 | 17.7% | 6.06% |
| 15 | Seacoast National Bank | D | 17 | 14 | 11.8% | 6.75% |
| 16 | Newrez | D | 15 | 6 | 13.3% | 6.63% |
| 17 | Crosscountry Mortgage | B | 11 | 5 | 0.0% | 7.00% |
| 18 | Guaranteed Rate | B | 11 | 4 | 0.0% | 6.49% |
| 19 | Movement Mortgage | A | 11 | 9 | 0.0% | 5.94% |
| 20 | Navy Federal Credit Union | D | 10 | 6 | 20.0% | 8.35% |
| 21 | Vystar Credit Union | D | 10 | 2 | 50.0% | 7.00% |
| 22 | Southwest Stage Funding | F | 10 | 7 | 0.0% | 7.55% |
| 23 | Ameris Bank | B | 9 | 7 | 11.1% | 7.75% |
| 24 | AmeriSave Mortgage | D | 9 | 2 | 55.6% | 6.44% |
| 25 | Loandepot.Com | D | 9 | 3 | 44.4% | 6.88% |
Best approval odds in Gilchrist County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 53 | 52.8% |
What Gilchrist County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Gilchrist County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 696 | 350 | 23.1% | 6.75% | $155,000 |
| 2024 | 758 | 345 | 25.9% | 6.88% | $165,000 |
| 2025 | 803 | 401 | 21.2% | 6.75% | $175,000 |
Frequently asked questions
21.2% of applications in Gilchrist County were denied in 2025, against 21.1% statewide in Florida.
21st Mortgage, with 84 applications in 2025 and a denial rate of 33.3%.
The median mortgage application in Gilchrist County in 2025 was for $175,000; the median property value on originated loans was $310,000.