Largest lenders in Suwannee County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 334 | 79 | 44.3% | 9.75% |
| 2 | United Shore Financial Services | B | 115 | 89 | 4.4% | 6.50% |
| 3 | Rocket Mortgage | C | 101 | 61 | 23.8% | 6.99% |
| 4 | Triad Financial Services | D | 86 | 23 | 43.0% | 8.73% |
| 5 | First Federal Bank | B | 71 | 43 | 16.9% | 6.50% |
| 6 | Vanderbilt Mortgage and Finance | F | 64 | 12 | 21.9% | 9.63% |
| 7 | Florida Credit Union | D | 60 | 10 | 41.7% | 6.44% |
| 8 | Vystar Credit Union | D | 50 | 14 | 58.0% | 6.56% |
| 9 | Mortgage Research Center | C | 44 | 25 | 15.9% | 6.75% |
| 10 | Union Home Mortgage | B | 30 | 17 | 6.7% | 6.50% |
| 11 | Radiant Credit Union | C | 29 | 11 | 55.2% | 6.13% |
| 12 | Credit Human Federal Credit Union | D | 26 | 4 | 73.1% | 8.25% |
| 13 | AmeriSave Mortgage | D | 23 | 5 | 69.6% | 6.13% |
| 14 | Crosscountry Mortgage | B | 23 | 7 | 0.0% | 6.50% |
| 15 | Newrez | D | 23 | 8 | 13.0% | 6.38% |
| 16 | Broker Solutions | D | 23 | 9 | 8.7% | 6.75% |
| 17 | Movement Mortgage | A | 21 | 14 | 9.5% | 6.13% |
| 18 | Campus USA Credit Union | C | 20 | 9 | 25.0% | 6.63% |
| 19 | Navy Federal Credit Union | D | 20 | 12 | 5.0% | 6.94% |
| 20 | Freedom Mortgage | B | 17 | 3 | 11.8% | 6.00% |
| 21 | American Pacific Mortgage | C | 17 | 14 | 0.0% | 6.75% |
| 22 | TD Bank | D | 17 | 8 | 35.3% | 7.49% |
| 23 | Loandepot.Com | D | 15 | 7 | 33.3% | 7.13% |
| 24 | American Financial Network | C | 13 | 10 | 7.7% | 6.19% |
| 25 | American Financial Resources | B | 13 | 9 | 0.0% | 6.75% |
Best approval odds in Suwannee County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 95 | 5.3% |
| 2 | First Federal Bank | 55 | 21.8% |
| 3 | Rocket Mortgage | 89 | 27.0% |
| 4 | Triad Financial Services | 86 | 43.0% |
| 5 | 21st Mortgage | 230 | 64.4% |
What Suwannee County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Suwannee County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,403 | 533 | 33.5% | 7.00% | $155,000 |
| 2024 | 1,467 | 575 | 32.1% | 7.12% | $165,000 |
| 2025 | 1,656 | 690 | 28.6% | 6.88% | $170,000 |
Frequently asked questions
28.6% of applications in Suwannee County were denied in 2025, against 21.1% statewide in Florida.
21st Mortgage, with 334 applications in 2025 and a denial rate of 44.3%.
The median mortgage application in Suwannee County in 2025 was for $170,000; the median property value on originated loans was $265,000.