Largest lenders in Jackson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 329 | 61 | 46.5% | 9.41% |
| 2 | Rocket Mortgage | C | 79 | 54 | 20.3% | 6.49% |
| 3 | Vanderbilt Mortgage and Finance | F | 78 | 7 | 44.9% | 10.75% |
| 4 | United Shore Financial Services | B | 58 | 36 | 17.2% | 6.12% |
| 5 | Triad Financial Services | D | 46 | 3 | 63.0% | 8.35% |
| 6 | Regions Bank | C | 44 | 21 | 34.1% | 6.75% |
| 7 | First Commerce Credit Union | C | 44 | 28 | 20.5% | 7.25% |
| 8 | Tyndall Federal Credit Union | C | 42 | 27 | 21.4% | 6.50% |
| 9 | Mortgage Research Center | C | 38 | 18 | 7.9% | 6.69% |
| 10 | All in Federal Credit Union | D | 36 | 16 | 50.0% | 7.00% |
| 11 | First Federal Bank | B | 35 | 21 | 11.4% | 6.38% |
| 12 | CMG Mortgage | A | 35 | 27 | 8.6% | 6.56% |
| 13 | New Day Financial | F | 28 | 4 | 21.4% | 6.81% |
| 14 | FirstBank | C | 28 | 3 | 67.9% | 8.74% |
| 15 | PeoplesSouth Bank | A | 27 | 27 | 0.0% | 7.25% |
| 16 | AmeriSave Mortgage | D | 26 | 5 | 65.4% | 7.13% |
| 17 | Crosscountry Mortgage | B | 25 | 12 | 0.0% | 6.72% |
| 18 | Navy Federal Credit Union | D | 25 | 12 | 24.0% | 7.92% |
| 19 | Broker Solutions | D | 20 | 6 | 15.0% | 6.75% |
| 20 | Newrez | D | 19 | 8 | 31.6% | 6.19% |
| 21 | Community South | – | 17 | 1 | 17.7% | 6.25% |
| 22 | Five Star Credit Union | D | 17 | 7 | 52.9% | — |
| 23 | Loandepot.Com | D | 16 | 8 | 18.8% | 6.69% |
| 24 | Securitynational Mortgage | D | 15 | 10 | 13.3% | 7.13% |
| 25 | Pennymac Loan Services | C | 14 | 8 | 21.4% | 5.93% |
Best approval odds in Jackson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 72 | 22.2% |
| 2 | 21st Mortgage | 217 | 70.5% |
What Jackson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jackson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,357 | 547 | 31.7% | 7.00% | $125,000 |
| 2024 | 1,410 | 570 | 32.3% | 7.13% | $135,000 |
| 2025 | 1,560 | 647 | 30.1% | 6.75% | $145,000 |
Frequently asked questions
30.1% of applications in Jackson County were denied in 2025, against 21.1% statewide in Florida.
21st Mortgage, with 329 applications in 2025 and a denial rate of 46.5%.
The median mortgage application in Jackson County in 2025 was for $145,000; the median property value on originated loans was $225,000.