Largest lenders in Hamilton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 96 | 27 | 37.5% | 9.62% |
| 2 | Rocket Mortgage | C | 25 | 15 | 28.0% | 6.50% |
| 3 | Vanderbilt Mortgage and Finance | F | 23 | 4 | 43.5% | 10.13% |
| 4 | Triad Financial Services | D | 18 | 5 | 44.4% | 8.51% |
| 5 | United Shore Financial Services | B | 15 | 9 | 13.3% | 5.75% |
| 6 | Vystar Credit Union | D | 10 | 3 | 40.0% | 6.88% |
| 7 | First Federal Bank | B | 9 | 3 | 44.4% | 7.13% |
| 8 | AmeriSave Mortgage | D | 9 | 2 | 77.8% | 7.56% |
| 9 | Union Home Mortgage | B | 9 | 8 | 0.0% | 6.63% |
| 10 | Florida Credit Union | D | 9 | 3 | 33.3% | 8.88% |
| 11 | Freedom Mortgage | B | 8 | 2 | 12.5% | 6.44% |
| 12 | Crosscountry Mortgage | B | 7 | 4 | 0.0% | 6.50% |
| 13 | Atlantic Bay Mortgage Group | A | 7 | 7 | 0.0% | 6.75% |
| 14 | Credit Human Federal Credit Union | D | 7 | 1 | 71.4% | 7.20% |
| 15 | Mortgage Research Center | C | 6 | 1 | 66.7% | 5.88% |
| 16 | Guaranteed Rate | B | 5 | 4 | 0.0% | 6.50% |
| 17 | New Day Financial | F | 5 | 0 | 100.0% | — |
| 18 | Broker Solutions | D | 5 | 1 | 0.0% | 5.63% |
Best approval odds in Hamilton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 65 | 55.4% |
What Hamilton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hamilton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 351 | 117 | 33.3% | 7.13% | $145,000 |
| 2024 | 390 | 159 | 29.2% | 7.00% | $155,000 |
| 2025 | 398 | 164 | 29.7% | 6.99% | $145,000 |
Frequently asked questions
29.7% of applications in Hamilton County were denied in 2025, against 21.1% statewide in Florida.
21st Mortgage, with 96 applications in 2025 and a denial rate of 37.5%.
The median mortgage application in Hamilton County in 2025 was for $145,000; the median property value on originated loans was $215,000.