Largest lenders in Leon County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 527 | 389 | 14.0% | 6.75% |
| 2 | First Commerce Credit Union | C | 428 | 269 | 17.5% | 7.24% |
| 3 | Movement Mortgage | A | 428 | 324 | 3.3% | 6.63% |
| 4 | United Shore Financial Services | B | 291 | 182 | 15.5% | 6.48% |
| 5 | University Bank | A | 286 | 226 | 2.5% | 6.50% |
| 6 | Loandepot.Com | D | 272 | 203 | 7.7% | 6.63% |
| 7 | ServisFirst Bank | A | 266 | 207 | 1.1% | 6.38% |
| 8 | 21st Mortgage | F | 235 | 32 | 58.7% | 9.49% |
| 9 | Truist Bank | C | 213 | 118 | 30.1% | 6.54% |
| 10 | Bank of America | F | 178 | 69 | 34.3% | 6.49% |
| 11 | Capital City Home Loans | C | 169 | 120 | 9.5% | 6.75% |
| 12 | Vanderbilt Mortgage and Finance | F | 154 | 12 | 39.6% | 10.00% |
| 13 | Ameris Bank | B | 146 | 110 | 9.6% | 6.49% |
| 14 | Regions Bank | C | 132 | 66 | 29.6% | 6.06% |
| 15 | Navy Federal Credit Union | D | 132 | 64 | 21.2% | 7.25% |
| 16 | Pennymac Loan Services | C | 131 | 63 | 10.7% | 6.50% |
| 17 | Prime Meridian Bank | B | 112 | 74 | 4.5% | — |
| 18 | Newrez | D | 100 | 29 | 15.0% | 7.25% |
| 19 | Freedom Mortgage | B | 99 | 41 | 9.1% | 6.25% |
| 20 | Mortgage Research Center | C | 98 | 43 | 24.5% | 6.25% |
| 21 | Capital City Bank | B | 96 | 65 | 24.0% | 6.99% |
| 22 | Colony Bank | B | 93 | 77 | 0.0% | 6.50% |
| 23 | Dhi Mortgage Company | B | 90 | 53 | 15.6% | 5.44% |
| 24 | JPMorgan Chase Bank | B | 86 | 47 | 10.5% | 6.49% |
| 25 | Coastal Community Bank | C | 82 | 22 | 1.2% | 9.24% |
Best approval odds in Leon County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Delmar Financial | 75 | 0.0% |
| 2 | Colony Bank | 77 | 0.0% |
| 3 | ServisFirst Bank | 210 | 1.4% |
| 4 | Coastal Community Bank | 62 | 1.6% |
| 5 | University Bank | 233 | 3.0% |
| 6 | Movement Mortgage | 379 | 3.7% |
| 7 | First Community Mortgage | 64 | 4.7% |
| 8 | Prime Meridian Bank | 89 | 5.6% |
| 9 | Loandepot.Com | 226 | 9.3% |
| 10 | Ameris Bank | 125 | 11.2% |
What Leon County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Leon County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 7,979 | 4,284 | 20.3% | 6.75% | $175,000 |
| 2024 | 8,282 | 4,439 | 19.9% | 6.88% | $185,000 |
| 2025 | 8,321 | 4,707 | 17.0% | 6.74% | $195,000 |
Frequently asked questions
17.0% of applications in Leon County were denied in 2025, against 21.1% statewide in Florida.
Rocket Mortgage, with 527 applications in 2025 and a denial rate of 14.0%.
The median mortgage application in Leon County in 2025 was for $195,000; the median property value on originated loans was $325,000.