Mortgage lending in Jefferson County, Florida
Lenders in Jefferson County, Florida reported 546 mortgage applications for 2025, according to the CFPB.
546 mortgage applications and 238 loans originated in 2025; the denial rate was 36.5% of 406 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Tallahassee, FL HUD Metro FMR Area.
- 546
- Applications
- 238
- Loans originated
- 36.5%
- Denial rate
- 148 denied of 406 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 546 | 238 |
| 2024 | 532 | 202 |
| 2023 | 494 | 207 |
| 2022 | 628 | 297 |
| 2021 | 804 | 409 |
| 2020 | 708 | 358 |
| 2019 | 476 | 237 |
| 2018 | 457 | 218 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 27 | 41 |
| 21ST Mortgage | 23 | 116 |
| Capital City Home Loans, LLC | 17 | 21 |
| United Wholesale Mortgage | 13 | 19 |
| First Commerce Credit Union | 11 | 12 |
| Movement Mortgage, LLC | 8 | 13 |
| Navy Federal Credit Union | 7 | 9 |
| loanDepot.com LLC | 7 | 16 |
| Servisfirst Bank | 7 | 10 |
| Capital City Bank | 6 | 10 |
| University Bank | 6 | 6 |
| Renasant Bank | 5 | 9 |
| Truist Bank | 5 | 7 |
| Newrez LLC | 4 | 9 |
| Fairway Independent Mort Corp | 4 | 4 |
| Towne Mortgage Company | 4 | 5 |
| Crosscountry Mortgage, LLC | 4 | 5 |
| Thomasville National Bank | 4 | 4 |
| VyStar Credit Union | 3 | 4 |
| Delmar Financial Company | 3 | 4 |
| Mortgage Research Center | 3 | 8 |
| First Florida Credit Union | 3 | 4 |
| Freedom Mortgage Corporation | 3 | 5 |
| First Federal Bank | 3 | 3 |
| Sofi Bank, National Association | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | 90 | 65.2% of 69 decided |
| White | 357 | 30.1% of 266 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 86 | 24.2% of 62 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 12 | no rate: base under 50 |
| Not Hispanic or Latino | 414 | 36.6% of 322 decided |
| Joint | 11 | no rate: base under 50 |
| Ethnicity Not Available | 109 | 29.4% of 68 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 168 | 41.2% of 119 decided |
| Female | 137 | 44.4% of 108 decided |
| Joint | 193 | 30.1% of 146 decided |
| Sex Not Available | 48 | no rate: base under 50 |
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. 975 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