Largest lenders in Holmes County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 110 | 23 | 40.0% | 9.54% |
| 2 | Triad Financial Services | D | 32 | 3 | 56.3% | 8.53% |
| 3 | Community South | – | 31 | 2 | 29.0% | 6.44% |
| 4 | Rocket Mortgage | C | 28 | 14 | 25.0% | 6.88% |
| 5 | United Shore Financial Services | B | 27 | 15 | 22.2% | 6.50% |
| 6 | Vanderbilt Mortgage and Finance | F | 26 | 1 | 61.5% | 11.75% |
| 7 | Mortgage Research Center | C | 23 | 6 | 26.1% | 6.75% |
| 8 | Crosscountry Mortgage | B | 19 | 9 | 5.3% | 6.95% |
| 9 | All in Federal Credit Union | D | 19 | 7 | 52.6% | 7.00% |
| 10 | Navy Federal Credit Union | D | 16 | 5 | 31.3% | 6.38% |
| 11 | Regions Bank | C | 15 | 6 | 46.7% | 7.06% |
| 12 | First Federal Bank | B | 13 | 6 | 15.4% | 6.13% |
| 13 | CMG Mortgage | A | 12 | 10 | 0.0% | 6.38% |
| 14 | FirstBank | C | 11 | 2 | 72.7% | 7.37% |
| 15 | The Samson Banking Company | – | 10 | 6 | 20.0% | — |
| 16 | Southwest Stage Funding | F | 10 | 3 | 0.0% | 7.45% |
| 17 | Tyndall Federal Credit Union | C | 10 | 7 | 20.0% | 6.75% |
| 18 | Pennymac Loan Services | C | 9 | 3 | 11.1% | 6.62% |
| 19 | AmeriSave Mortgage | D | 9 | 3 | 33.3% | 6.99% |
| 20 | Magnolia Bank | C | 9 | 5 | 0.0% | 6.13% |
| 21 | Freedom Mortgage | B | 9 | 1 | 11.1% | 6.25% |
| 22 | Broker Solutions | D | 9 | 1 | 44.4% | 7.25% |
| 23 | The First National Bank of Hartford | A | 9 | 8 | 0.0% | — |
| 24 | Five Star Credit Union | D | 8 | 3 | 37.5% | — |
| 25 | Loandepot.Com | D | 7 | 4 | 14.3% | 6.62% |
Best approval odds in Holmes County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 68 | 64.7% |
What Holmes County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Holmes County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 538 | 236 | 27.7% | 6.99% | $145,000 |
| 2024 | 511 | 219 | 27.2% | 7.25% | $135,000 |
| 2025 | 645 | 224 | 31.9% | 6.75% | $155,000 |
Frequently asked questions
31.9% of applications in Holmes County were denied in 2025, against 21.1% statewide in Florida.
21st Mortgage, with 110 applications in 2025 and a denial rate of 40.0%.
The median mortgage application in Holmes County in 2025 was for $155,000; the median property value on originated loans was $215,000.