Largest lenders in Jefferson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 116 | 23 | 44.8% | 9.01% |
| 2 | Rocket Mortgage | C | 41 | 27 | 19.5% | 6.75% |
| 3 | Vanderbilt Mortgage and Finance | F | 33 | 1 | 48.5% | 8.50% |
| 4 | Capital City Home Loans | C | 21 | 17 | 9.5% | 7.00% |
| 5 | United Shore Financial Services | B | 19 | 13 | 5.3% | 6.24% |
| 6 | Loandepot.Com | D | 16 | 7 | 37.5% | 6.13% |
| 7 | Movement Mortgage | A | 13 | 8 | 0.0% | 6.19% |
| 8 | First Commerce Credit Union | C | 12 | 11 | 8.3% | 7.50% |
| 9 | ServisFirst Bank | A | 10 | 7 | 0.0% | 6.88% |
| 10 | Capital City Bank | B | 10 | 6 | 30.0% | 6.99% |
| 11 | Newrez | D | 9 | 4 | 0.0% | 5.94% |
| 12 | Navy Federal Credit Union | D | 9 | 7 | 0.0% | 7.75% |
| 13 | Renasant Bank | B | 9 | 5 | 44.4% | 7.50% |
| 14 | Pennymac Loan Services | C | 8 | 1 | 62.5% | 6.13% |
| 15 | Mortgage Research Center | C | 8 | 3 | 12.5% | 6.25% |
| 16 | Truist Bank | C | 7 | 5 | 28.6% | 8.49% |
| 17 | Broker Solutions | D | 7 | 1 | 28.6% | 7.25% |
| 18 | Regions Bank | C | 6 | 1 | 50.0% | 7.25% |
| 19 | University Bank | A | 6 | 6 | 0.0% | 6.69% |
| 20 | Triad Financial Services | D | 6 | 0 | 50.0% | — |
| 21 | Crosscountry Mortgage | B | 5 | 4 | 0.0% | 6.58% |
| 22 | Carrington Mortgage Services | D | 5 | 1 | 40.0% | 2.25% |
| 23 | Towne Mortgage | B | 5 | 4 | 0.0% | 5.24% |
| 24 | Freedom Mortgage | B | 5 | 3 | 40.0% | 6.25% |
| 25 | Midflorida | C | 5 | 0 | 100.0% | — |
Best approval odds in Jefferson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 76 | 68.4% |
What Jefferson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jefferson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 494 | 207 | 29.0% | 7.00% | $170,000 |
| 2024 | 532 | 202 | 33.7% | 6.99% | $175,000 |
| 2025 | 546 | 238 | 27.1% | 6.75% | $180,000 |
Frequently asked questions
27.1% of applications in Jefferson County were denied in 2025, against 21.1% statewide in Florida.
21st Mortgage, with 116 applications in 2025 and a denial rate of 44.8%.
The median mortgage application in Jefferson County in 2025 was for $180,000; the median property value on originated loans was $325,000.