Find a better mortgage lender

Marion County, Florida · 2025

Mortgage lenders in Marion County, FL: denial rates and top lenders (2025)

620 lenders acted on 23,915 mortgage applications for properties in Marion County in 2025. 21.4% were denied (Florida: 21.1%). Median rate on closed loans 6.50%; median loan $205,000; median property value $295,000.

24kApplications
21.4%Denial ratestate 21.1%
6.50%Median ratestate 6.63%
$205,000Median loan
$295,000Median property value

Largest lenders in Marion County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 1,6581,179 13.6%6.38%
2 Rocket Mortgage C 1,214822 20.3%6.75%
3 Florida Credit Union D 1,081280 48.5%6.50%
4 Dhi Mortgage Company B 730501 18.6%4.75%
5 21st Mortgage F 594123 48.5%9.31%
6 Mortgage Research Center C 567263 20.8%6.25%
7 Regions Bank C 538253 32.2%6.13%
8 Lennar Mortgage A 494327 31.0%5.13%
9 Crosscountry Mortgage B 485315 5.0%6.58%
10 Union Home Mortgage B 438316 5.5%6.50%
11 Midflorida C 430187 41.4%6.38%
12 Bank of America F 429167 41.0%6.49%
13 Newrez D 399159 19.3%6.38%
14 Pennymac Loan Services C 383197 15.4%6.38%
15 Freedom Mortgage B 364157 9.3%6.25%
16 American Financial Network C 322208 7.1%6.63%
17 Navy Federal Credit Union D 321149 17.1%6.38%
18 Campus USA Credit Union C 320218 11.9%7.75%
19 Fairway Independent Mortgage B 309247 7.1%5.99%
20 Broker Solutions D 308131 7.5%6.75%
21 Vanderbilt Mortgage and Finance F 30458 33.2%5.49%
22 Pulte Mortgage A 292200 6.9%5.63%
23 Loandepot.Com D 287120 34.8%6.99%
24 Truist Bank C 283121 41.0%6.75%
25 AmeriSave Mortgage D 26656 66.2%8.31%

Best approval odds in Marion County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Paramount Residential Mortgage Group583.5%
2American Bancshares Mortgage504.0%
3Gold Star Mortgage Financial Group504.0%
4CMG Mortgage2194.1%
5Guild Mortgage724.2%
6Mortgage Financial Group1284.7%
7Success Mortgage Partners1725.2%
8Coastal Community Bank1555.8%
9Union Home Mortgage3476.9%
10Crosscountry Mortgage3476.9%

What Marion County borrowers applied for

By loan purpose

Home purchase 12,774 53% · 14.6% denied
Refinance 2,800 12% · 19.0% denied
Cash-out refinance 3,960 17% · 25.4% denied
Home improvement 1,779 7% · 39.7% denied
Other / HELOC 2,602 11% · 38.5% denied

By loan type

Conventional 15,124 63% · 24.0% denied
FHA 5,629 24% · 18.5% denied
VA 2,984 12% · 13.7% denied
USDA / RHS 178 1% · 16.3% denied

Why applications were denied

Debt-to-income ratio 1,734 34%
Credit history 1,155 23%
Collateral 682 13%
Incomplete application 569 11%
Other 503 10%
Unverifiable information 204 4%
Insufficient cash 174 3%
Employment history 69 1%
Mortgage insurance denied 1 0%

Marion County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202321,99011,67922.3%6.75%$185,000
202423,18212,37622.2%6.75%$195,000
202523,91512,80921.4%6.50%$205,000

Frequently asked questions

21.4% of applications in Marion County were denied in 2025, against 21.1% statewide in Florida.

United Shore Financial Services, with 1,658 applications in 2025 and a denial rate of 13.6%.

The median mortgage application in Marion County in 2025 was for $205,000; the median property value on originated loans was $295,000.