Largest lenders in Putnam County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 305 | 49 | 46.9% | 9.21% |
| 2 | Vystar Credit Union | D | 224 | 80 | 42.4% | 6.81% |
| 3 | United Shore Financial Services | B | 205 | 141 | 12.7% | 6.25% |
| 4 | Rocket Mortgage | C | 187 | 114 | 28.9% | 6.81% |
| 5 | Vanderbilt Mortgage and Finance | F | 162 | 8 | 51.2% | 8.37% |
| 6 | Crosscountry Mortgage | B | 150 | 98 | 5.3% | 6.75% |
| 7 | Mortgage Research Center | C | 76 | 33 | 25.0% | 6.25% |
| 8 | Broker Solutions | D | 73 | 29 | 4.1% | 6.63% |
| 9 | Equity Prime Mortgage | D | 59 | 38 | 5.1% | 6.63% |
| 10 | Triad Financial Services | D | 58 | 13 | 48.3% | 8.67% |
| 11 | Union Home Mortgage | B | 51 | 39 | 9.8% | 6.63% |
| 12 | Florida Credit Union | D | 49 | 10 | 55.1% | 6.19% |
| 13 | Newrez | D | 48 | 14 | 18.8% | 6.69% |
| 14 | Ameris Bank | B | 45 | 30 | 13.3% | 6.75% |
| 15 | SouthState Bank | B | 42 | 25 | 28.6% | 7.15% |
| 16 | Freedom Mortgage | B | 40 | 13 | 5.0% | 6.38% |
| 17 | Pennymac Loan Services | C | 39 | 19 | 7.7% | 6.25% |
| 18 | Navy Federal Credit Union | D | 39 | 19 | 25.6% | 7.50% |
| 19 | AmeriSave Mortgage | D | 37 | 8 | 67.6% | 6.44% |
| 20 | Loandepot.Com | D | 36 | 17 | 36.1% | 6.99% |
| 21 | Capital City Bank | B | 31 | 16 | 35.5% | 6.99% |
| 22 | CMG Mortgage | A | 29 | 10 | 20.7% | 6.94% |
| 23 | Guild Mortgage | A | 29 | 18 | 3.5% | 6.56% |
| 24 | Guaranteed Rate | B | 26 | 15 | 3.9% | 6.63% |
| 25 | Affordable Mortgage Advisors, LLC. | B | 25 | 16 | 8.0% | 6.75% |
Best approval odds in Putnam County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 106 | 7.6% |
| 2 | United Shore Financial Services | 168 | 15.5% |
| 3 | Rocket Mortgage | 170 | 31.8% |
| 4 | Mortgage Research Center | 52 | 36.5% |
| 5 | Triad Financial Services | 56 | 50.0% |
| 6 | Vystar Credit Union | 175 | 54.3% |
| 7 | 21st Mortgage | 199 | 71.9% |
| 8 | Vanderbilt Mortgage and Finance | 92 | 90.2% |
What Putnam County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Putnam County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,720 | 1,155 | 28.5% | 7.00% | $155,000 |
| 2024 | 2,802 | 1,211 | 27.1% | 6.88% | $155,000 |
| 2025 | 3,160 | 1,393 | 26.4% | 6.75% | $165,000 |
Frequently asked questions
26.4% of applications in Putnam County were denied in 2025, against 21.1% statewide in Florida.
21st Mortgage, with 305 applications in 2025 and a denial rate of 46.9%.
The median mortgage application in Putnam County in 2025 was for $165,000; the median property value on originated loans was $255,000.