Largest lenders in Washington County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 146 | 31 | 38.4% | 9.12% |
| 2 | Inspire Home Loans | B | 93 | 61 | 17.2% | 4.88% |
| 3 | United Shore Financial Services | B | 54 | 36 | 25.9% | 6.13% |
| 4 | Dhi Mortgage Company | B | 52 | 31 | 25.0% | 5.18% |
| 5 | Rocket Mortgage | C | 51 | 34 | 21.6% | 6.50% |
| 6 | Community South | – | 48 | 2 | 22.9% | 6.44% |
| 7 | Mortgage Research Center | C | 40 | 12 | 22.5% | 6.25% |
| 8 | Regions Bank | C | 39 | 20 | 43.6% | 6.75% |
| 9 | Tyndall Federal Credit Union | C | 38 | 24 | 18.4% | 6.33% |
| 10 | Innovations Financial Credit Union | D | 37 | 20 | 10.8% | — |
| 11 | Vanderbilt Mortgage and Finance | F | 33 | 3 | 39.4% | 9.50% |
| 12 | CMG Mortgage | A | 20 | 14 | 0.0% | 6.69% |
| 13 | Triad Financial Services | D | 20 | 1 | 60.0% | 7.48% |
| 14 | Broker Solutions | D | 18 | 7 | 11.1% | 7.00% |
| 15 | Crosscountry Mortgage | B | 17 | 12 | 5.9% | 6.62% |
| 16 | First Federal Bank | B | 16 | 7 | 25.0% | 6.00% |
| 17 | Navy Federal Credit Union | D | 16 | 5 | 50.0% | 6.75% |
| 18 | Coastal Community Bank | C | 13 | 3 | 0.0% | 14.49% |
| 19 | Pennymac Loan Services | C | 11 | 5 | 27.3% | 5.88% |
| 20 | Freedom Mortgage | B | 11 | 4 | 18.2% | 6.50% |
| 21 | Newrez | D | 11 | 2 | 36.4% | 5.50% |
| 22 | Magnolia Bank | C | 10 | 9 | 0.0% | 6.25% |
| 23 | Southwest Stage Funding | F | 10 | 0 | 10.0% | — |
| 24 | AmeriSave Mortgage | D | 9 | 2 | 66.7% | 6.38% |
| 25 | Village Capital & Investment | C | 8 | 2 | 25.0% | 5.50% |
Best approval odds in Washington County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Inspire Home Loans | 87 | 18.4% |
| 2 | United Shore Financial Services | 50 | 28.0% |
| 3 | 21st Mortgage | 87 | 64.4% |
What Washington County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Washington County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 942 | 361 | 31.2% | 7.13% | $155,000 |
| 2024 | 1,051 | 504 | 26.6% | 6.75% | $165,000 |
| 2025 | 1,093 | 480 | 25.5% | 6.47% | $185,000 |
Frequently asked questions
25.5% of applications in Washington County were denied in 2025, against 21.1% statewide in Florida.
21st Mortgage, with 146 applications in 2025 and a denial rate of 38.4%.
The median mortgage application in Washington County in 2025 was for $185,000; the median property value on originated loans was $245,000.