Largest lenders in Gulf County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Centennial Bank | D | 104 | 59 | 17.3% | 6.94% |
| 2 | Dhi Mortgage Company | B | 98 | 65 | 4.1% | 5.63% |
| 3 | Tyndall Federal Credit Union | C | 42 | 25 | 16.7% | 6.75% |
| 4 | Rocket Mortgage | C | 38 | 25 | 18.4% | 6.50% |
| 5 | 21st Mortgage | F | 33 | 7 | 30.3% | 8.96% |
| 6 | United Shore Financial Services | B | 28 | 15 | 14.3% | 6.63% |
| 7 | Mortgage Research Center | C | 22 | 8 | 13.6% | 6.25% |
| 8 | Vanderbilt Mortgage and Finance | F | 17 | 1 | 23.5% | 11.99% |
| 9 | Pennymac Loan Services | C | 16 | 8 | 6.3% | 6.88% |
| 10 | Newrez | D | 16 | 4 | 31.3% | 5.94% |
| 11 | Triad Financial Services | D | 15 | 3 | 53.3% | 10.80% |
| 12 | Fairway Independent Mortgage | B | 14 | 10 | 21.4% | 6.69% |
| 13 | Primis Mortgage | B | 14 | 9 | 7.1% | 6.49% |
| 14 | Regions Bank | C | 12 | 6 | 50.0% | 6.38% |
| 15 | Better Mortgage | F | 12 | 1 | 33.3% | 7.13% |
| 16 | AmeriSave Mortgage | D | 11 | 1 | 72.7% | 6.38% |
| 17 | Capital City Home Loans | C | 11 | 7 | 18.2% | 6.50% |
| 18 | Truist Bank | C | 10 | 5 | 30.0% | 6.80% |
| 19 | Carrington Mortgage Services | D | 10 | 3 | 20.0% | 7.87% |
| 20 | Network Capital Funding | D | 10 | 3 | 0.0% | 7.13% |
| 21 | CMG Mortgage | A | 9 | 4 | 0.0% | 6.93% |
| 22 | Consumer Real Estate Finance | F | 8 | 5 | 37.5% | 7.00% |
| 23 | NexBank | B | 8 | 6 | 12.5% | 6.75% |
| 24 | Angel Oak Mortgage Solutions | D | 8 | 1 | 12.5% | 8.63% |
| 25 | Cadence Bank | B | 7 | 2 | 14.3% | 6.65% |
Best approval odds in Gulf County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Dhi Mortgage Company | 69 | 5.8% |
| 2 | Centennial Bank | 77 | 23.4% |
What Gulf County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Gulf County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 927 | 477 | 22.0% | 6.88% | $255,000 |
| 2024 | 852 | 440 | 21.0% | 7.13% | $265,000 |
| 2025 | 958 | 485 | 17.6% | 6.75% | $275,000 |
Frequently asked questions
17.6% of applications in Gulf County were denied in 2025, against 21.1% statewide in Florida.
Centennial Bank, with 104 applications in 2025 and a denial rate of 17.3%.
The median mortgage application in Gulf County in 2025 was for $275,000; the median property value on originated loans was $425,000.