Largest lenders in Nassau County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 341 | 241 | 11.4% | 6.25% |
| 2 | Vystar Credit Union | D | 333 | 164 | 33.9% | 6.88% |
| 3 | Rocket Mortgage | C | 323 | 236 | 17.3% | 6.75% |
| 4 | Navy Federal Credit Union | D | 256 | 121 | 15.6% | 7.50% |
| 5 | 21st Mortgage | F | 161 | 41 | 41.6% | 9.52% |
| 6 | Loandepot.Com | D | 152 | 86 | 24.3% | 6.06% |
| 7 | Capital City Home Loans | C | 137 | 104 | 0.7% | 6.63% |
| 8 | Mortgage Research Center | C | 137 | 49 | 21.9% | 6.13% |
| 9 | Community First Credit Union of Flo | D | 129 | 87 | 17.8% | 7.22% |
| 10 | Pennymac Loan Services | C | 118 | 69 | 10.2% | 6.38% |
| 11 | Pulte Mortgage | A | 109 | 86 | 5.5% | 6.13% |
| 12 | Regions Bank | C | 91 | 63 | 16.5% | 6.25% |
| 13 | Bank of America | F | 86 | 33 | 33.7% | 6.24% |
| 14 | Freedom Mortgage | B | 81 | 37 | 9.9% | 6.25% |
| 15 | Inspire Home Loans | B | 80 | 62 | 7.5% | 5.56% |
| 16 | Crosscountry Mortgage | B | 75 | 43 | 6.7% | 6.75% |
| 17 | Broker Solutions | D | 72 | 31 | 13.9% | 6.69% |
| 18 | Newrez | D | 68 | 25 | 10.3% | 6.25% |
| 19 | PNC Bank | D | 66 | 30 | 33.3% | 7.99% |
| 20 | Truist Bank | C | 60 | 30 | 31.7% | 6.32% |
| 21 | First Federal Bank | B | 59 | 38 | 11.9% | 6.63% |
| 22 | Union Home Mortgage | B | 54 | 43 | 5.6% | 6.63% |
| 23 | Spring Eq | D | 52 | 12 | 55.8% | 9.35% |
| 24 | Lakeview Loan Servicing | C | 52 | 8 | 59.6% | 5.69% |
| 25 | American Pacific Mortgage | C | 50 | 38 | 4.0% | 6.25% |
Best approval odds in Nassau County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Capital City Home Loans | 106 | 0.9% |
| 2 | Pulte Mortgage | 92 | 6.5% |
| 3 | Inspire Home Loans | 75 | 8.0% |
| 4 | Crosscountry Mortgage | 50 | 10.0% |
| 5 | United Shore Financial Services | 284 | 13.7% |
| 6 | Pennymac Loan Services | 82 | 14.6% |
| 7 | Freedom Mortgage | 51 | 15.7% |
| 8 | Regions Bank | 84 | 17.9% |
| 9 | Rocket Mortgage | 298 | 18.8% |
| 10 | Community First Credit Union of Flo | 110 | 20.9% |
What Nassau County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Nassau County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 5,380 | 3,064 | 18.7% | 6.62% | $265,000 |
| 2024 | 5,097 | 2,885 | 18.0% | 6.75% | $275,000 |
| 2025 | 5,295 | 3,006 | 17.5% | 6.58% | $285,000 |
Frequently asked questions
17.5% of applications in Nassau County were denied in 2025, against 21.1% statewide in Florida.
United Shore Financial Services, with 341 applications in 2025 and a denial rate of 11.4%.
The median mortgage application in Nassau County in 2025 was for $285,000; the median property value on originated loans was $475,000.