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Sumter County, Florida · 2025

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

519 lenders acted on 8,710 mortgage applications for properties in Sumter County in 2025. 12.2% were denied (Florida: 21.1%). Median rate on closed loans 6.74%; median loan $245,000; median property value $395,000.

8.7kApplications
12.2%Denial ratestate 21.1%
6.74%Median ratestate 6.63%
$245,000Median loan
$395,000Median property value

Largest lenders in Sumter County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Citizens First Bank B 2,5201,983 4.3%6.88%
2 Rocket Mortgage C 450331 15.6%6.88%
3 United Shore Financial Services B 432342 8.3%6.50%
4 Union Home Mortgage B 192161 3.7%6.75%
5 Dhi Mortgage Company B 185132 13.0%4.75%
6 Navy Federal Credit Union D 14681 11.6%6.25%
7 Bank of America F 14572 23.5%6.24%
8 Mortgage Research Center C 14262 14.8%6.25%
9 Truist Bank C 13580 24.4%6.60%
10 Pennymac Loan Services C 12068 10.8%6.50%
11 Midflorida C 11473 21.1%5.49%
12 JPMorgan Chase Bank B 11383 4.4%6.63%
13 Crosscountry Mortgage B 10170 2.0%6.58%
14 Suncoast Credit Union C 10157 30.7%7.50%
15 21st Mortgage F 9415 46.8%9.80%
16 New Day Financial F 8918 13.5%6.75%
17 Florida Credit Union D 8419 46.4%6.13%
18 Newrez D 8131 21.0%6.75%
19 Loandepot.Com D 7840 23.1%6.81%
20 NVR Mortgage Finance B 7448 28.4%5.75%
21 Regions Bank C 7137 31.0%4.99%
22 Freedom Mortgage B 6431 9.4%6.25%
23 Wells Fargo Bank B 6246 4.8%6.50%
24 Spring Eq D 6114 52.5%8.91%
25 Fairway Independent Mortgage B 6149 4.9%6.99%

Best approval odds in Sumter County

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

#LenderDecidedDecision denial rate
1Fbc Mortgage541.9%
2Crosscountry Mortgage742.7%
3Union Home Mortgage1704.1%
4Citizens First Bank2,1065.1%
5JPMorgan Chase Bank895.6%
6Fairway Independent Mortgage525.8%
7United Shore Financial Services3929.2%
8Dhi Mortgage Company15615.4%
9Pennymac Loan Services8215.9%
10Rocket Mortgage41017.1%

What Sumter County borrowers applied for

By loan purpose

Home purchase 5,689 65% · 6.8% denied
Refinance 671 8% · 14.3% denied
Cash-out refinance 917 11% · 18.7% denied
Home improvement 580 7% · 28.5% denied
Other / HELOC 853 10% · 28.3% denied

By loan type

Conventional 7,140 82% · 11.5% denied
FHA 776 9% · 19.3% denied
VA 760 9% · 10.7% denied
USDA / RHS 34 0% · 35.3% denied

Why applications were denied

Debt-to-income ratio 403 38%
Credit history 199 19%
Incomplete application 145 14%
Collateral 130 12%
Other 96 9%
Unverifiable information 41 4%
Insufficient cash 31 3%
Employment history 11 1%

Sumter County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,0033,75215.1%6.99%$215,000
20246,6384,27912.9%6.99%$235,000
20258,7105,76212.2%6.74%$245,000

Frequently asked questions

12.2% of applications in Sumter County were denied in 2025, against 21.1% statewide in Florida.

Citizens First Bank, with 2,520 applications in 2025 and a denial rate of 4.3%.

The median mortgage application in Sumter County in 2025 was for $245,000; the median property value on originated loans was $395,000.