Mortgage lending in Gadsden County, Florida
Lenders in Gadsden County, Florida reported 1,306 mortgage applications for 2025, according to the CFPB.
1,306 mortgage applications and 491 loans originated in 2025; the denial rate was 40.6% of 959 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Tallahassee, FL HUD Metro FMR Area.
- 1,306
- Applications
- 491
- Loans originated
- 40.6%
- Denial rate
- 389 denied of 959 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,306 | 491 |
| 2024 | 1,351 | 503 |
| 2023 | 1,249 | 473 |
| 2022 | 1,694 | 698 |
| 2021 | 2,002 | 893 |
| 2020 | 1,778 | 741 |
| 2019 | 1,291 | 535 |
| 2018 | 1,135 | 471 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 39 | 70 |
| loanDepot.com LLC | 28 | 42 |
| University Bank | 28 | 37 |
| 21ST Mortgage | 27 | 203 |
| United Wholesale Mortgage | 24 | 44 |
| First Commerce Credit Union | 16 | 35 |
| Movement Mortgage, LLC | 15 | 24 |
| Capital City Home Loans, LLC | 15 | 25 |
| Servisfirst Bank | 14 | 16 |
| Delmar Financial Company | 11 | 12 |
| Ameris Bank | 11 | 14 |
| Mortgage Research Center | 10 | 30 |
| Newrez LLC | 10 | 21 |
| Regions Bank | 7 | 12 |
| Nationstar Mortgage | 6 | 10 |
| Freedom Mortgage Corporation | 6 | 20 |
| Bayshore Mortgage Funding | 6 | 8 |
| Spring Eq, LLC | 6 | 10 |
| Pennymac Loan Services LLC | 6 | 16 |
| Capital City Bank | 5 | 12 |
| Navy Federal Credit Union | 5 | 21 |
| Centennial Bank | 5 | 16 |
| Peoplessouth Bank | 5 | 5 |
| Village Capital & Investment | 5 | 10 |
| Southstate Bank, National Association | 5 | 8 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 12 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 580 | 52.4% of 418 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 457 | 25.2% of 349 decided |
| 2 or more minority races | under 10 | |
| Joint | 14 | no rate: base under 50 |
| Race Not Available | 231 | 40.4% of 161 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 71 | 39.0% of 59 decided |
| Not Hispanic or Latino | 933 | 39.7% of 692 decided |
| Joint | 27 | no rate: base under 50 |
| Ethnicity Not Available | 275 | 44.1% of 186 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 386 | 36.9% of 293 decided |
| Female | 469 | 47.0% of 345 decided |
| Joint | 332 | 34.7% of 245 decided |
| Sex Not Available | 119 | 44.7% of 76 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1232 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved