Largest lenders in Wakulla County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Dhi Mortgage Company | B | 223 | 136 | 15.7% | 4.99% |
| 2 | University Bank | A | 120 | 100 | 2.5% | 6.50% |
| 3 | Rocket Mortgage | C | 97 | 78 | 12.4% | 6.81% |
| 4 | Loandepot.Com | D | 81 | 60 | 13.6% | 6.75% |
| 5 | 21st Mortgage | F | 67 | 11 | 43.3% | 9.56% |
| 6 | Centennial Bank | D | 59 | 31 | 11.9% | 6.50% |
| 7 | Mortgage Research Center | C | 58 | 27 | 19.0% | 6.63% |
| 8 | Movement Mortgage | A | 54 | 38 | 3.7% | 6.63% |
| 9 | United Shore Financial Services | B | 52 | 42 | 7.7% | 6.31% |
| 10 | First Commerce Credit Union | C | 52 | 33 | 9.6% | 7.25% |
| 11 | Vanderbilt Mortgage and Finance | F | 45 | 3 | 37.8% | 8.49% |
| 12 | Capital City Home Loans | C | 44 | 33 | 6.8% | 6.63% |
| 13 | Ameris Bank | B | 36 | 20 | 8.3% | 6.88% |
| 14 | Navy Federal Credit Union | D | 30 | 14 | 16.7% | 5.94% |
| 15 | Pennymac Loan Services | C | 29 | 12 | 17.2% | 6.62% |
| 16 | Gulf Winds Credit Union | F | 28 | 16 | 10.7% | 8.35% |
| 17 | Prime Meridian Bank | B | 26 | 18 | 0.0% | — |
| 18 | Newrez | D | 26 | 11 | 19.2% | 6.25% |
| 19 | Capital City Bank | B | 25 | 16 | 24.0% | 6.99% |
| 20 | Truist Bank | C | 23 | 12 | 34.8% | 7.05% |
| 21 | Carrington Mortgage Services | D | 21 | 9 | 19.1% | 6.63% |
| 22 | Freedom Mortgage | B | 20 | 7 | 5.0% | 5.75% |
| 23 | AmeriSave Mortgage | D | 18 | 6 | 50.0% | 6.81% |
| 24 | Crosscountry Mortgage | B | 18 | 11 | 11.1% | 6.58% |
| 25 | Nationstar Mortgage | C | 16 | 12 | 18.8% | 8.75% |
Best approval odds in Wakulla County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | University Bank | 103 | 2.9% |
| 2 | Rocket Mortgage | 91 | 13.2% |
| 3 | Loandepot.Com | 71 | 15.5% |
| 4 | Dhi Mortgage Company | 174 | 20.1% |
What Wakulla County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Wakulla County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,531 | 842 | 21.7% | 6.75% | $185,000 |
| 2024 | 1,704 | 952 | 17.8% | 6.63% | $195,000 |
| 2025 | 1,873 | 1,073 | 15.6% | 6.51% | $205,000 |
Frequently asked questions
15.6% of applications in Wakulla County were denied in 2025, against 21.1% statewide in Florida.
Dhi Mortgage Company, with 223 applications in 2025 and a denial rate of 15.7%.
The median mortgage application in Wakulla County in 2025 was for $205,000; the median property value on originated loans was $305,000.