Florida · HMDA 2025
Mortgage lenders in DeSoto County, FL
153 lenders reported 978 home-loan applications in DeSoto County in 2025. 440 closed as loans ($105.5M), 197 were denied — a 30.0% denial rate on decided applications, above the Florida rate of 27.1%. The three most active lenders handled 24% of applications, led by LOWER, LLC. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 978
- Loans originated
- 440
- Purchase / refinance
- 259 / 107
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in DeSoto County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | LOWER, LLC | 105 | 10.7% | — |
| 2 | Suncoast Credit Union 62 out of 100, Moderate | 66 | 6.7% | 23.3% |
| 3 | MIDFLORIDA | 63 | 6.4% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 55 | 5.6% | — |
| 5 | LAKEVIEW LOAN SERVICING, LLC | 49 | 5.0% | — |
| 6 | Rocket Mortgage, LLC | 35 | 3.6% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 34 | 3.5% | — |
| 8 | NEWREZ LLC | 30 | 3.1% | — |
| 9 | 21st Mortgage Corporation | 25 | 2.6% | — |
| 10 | Truist Bank 63 out of 100, Moderate | 25 | 2.6% | 40.8% |
| 11 | PLANET HOME LENDING, LLC | 21 | 2.1% | — |
| 12 | Crews Bank & Trust 85 out of 100, Very strong | 20 | 2.0% | 8.6% |
| 13 | FREEDOM MORTGAGE CORPORATION | 17 | 1.7% | — |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 16 | 1.6% | — |
| 15 | SouthState Bank, National Association 68 out of 100, Moderate | 16 | 1.6% | 23.3% |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 14 | 1.4% | 32.9% |
| 17 | CROSSCOUNTRY MORTGAGE, INC. | 13 | 1.3% | — |
| 18 | Bank of America, National Association 59 out of 100, Moderate | 13 | 1.3% | 44.7% |
| 19 | TRIAD FINANCIAL SERVICES, INC. | 12 | 1.2% | — |
| 20 | Regions Bank 64 out of 100, Moderate | 11 | 1.1% | 43.1% |
| 21 | Mortgage Research Center, LLC | 10 | 1.0% | — |
| 22 | U.S. Bank National Association 55 out of 100, Moderate | 10 | 1.0% | 39.5% |
| 23 | NATIONSTAR MORTGAGE LLC | 10 | 1.0% | — |
| 24 | Loandepot.Com, LLC | 9 | 0.9% | — |
| 25 | AmeriSave Mortgage Corporation | 9 | 0.9% | — |
| 26 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 9 | 0.9% | 74.7% |
| 27 | COAST ONE MORTGAGE LLC | 8 | 0.8% | — |
| 28 | VILLAGE CAPITAL & INVESTMENT LLC | 8 | 0.8% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 8 | 0.8% | 3.0% |
| 30 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 0.7% | 14.1% |
| 31 | A&D Mortgage LLC | 7 | 0.7% | — |
| 32 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 7 | 0.7% | 7.3% |
| 33 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 6 | 0.6% | 22.2% |
| 34 | FIGURE LENDING LLC | 6 | 0.6% | — |
| 35 | MOVEMENT MORTGAGE, LLC | 5 | 0.5% | — |
| 36 | Discover Bank | 5 | 0.5% | — |
| 37 | ACHIEVA CREDIT UNION 68 out of 100, Moderate | 5 | 0.5% | 28.3% |
| 38 | Granite Bank 53 out of 100, Below average | 5 | 0.5% | 6.2% |
| 39 | Equity Prime Mortgage LLC | 5 | 0.5% | — |
| 40 | Plains Commerce Bank 59 out of 100, Moderate | 5 | 0.5% | 10.0% |
Top 40 of 153 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Florida
- Miami-Dade County 82,507 apps
- Broward County 75,647 apps
- Hillsborough County 64,621 apps
- Palm Beach County 63,472 apps
- Orange County 55,029 apps
- Lee County 47,429 apps
- Duval County 46,192 apps
- Polk County 45,313 apps
- Pinellas County 42,029 apps
- Pasco County 39,658 apps
- Brevard County 36,873 apps
- Volusia County 30,743 apps