Florida · HMDA 2025
Mortgage lenders in Polk County, FL
633 lenders reported 45,313 home-loan applications in Polk County in 2025. 20,119 closed as loans ($5.5B), 8,879 were denied — a 29.4% denial rate on decided applications, above the Florida rate of 27.1%. The three most active lenders handled 17% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 45,313
- Loans originated
- 20,119
- Purchase / refinance
- 13,749 / 4,041
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Polk County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 2,924 | 6.5% | — |
| 2 | MIDFLORIDA | 2,449 | 5.4% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 2,410 | 5.3% | — |
| 4 | Rocket Mortgage, LLC | 1,734 | 3.8% | — |
| 5 | DHI MORTGAGE COMPANY, LTD. | 1,447 | 3.2% | — |
| 6 | LENNAR MORTGAGE, LLC | 1,328 | 2.9% | — |
| 7 | FREEDOM MORTGAGE CORPORATION | 1,257 | 2.8% | — |
| 8 | LAKEVIEW LOAN SERVICING, LLC | 1,161 | 2.6% | — |
| 9 | Loandepot.Com, LLC | 1,100 | 2.4% | — |
| 10 | NEWREZ LLC | 1,087 | 2.4% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 854 | 1.9% | 14.1% |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 741 | 1.6% | — |
| 13 | FBC MORTGAGE, LLC | 701 | 1.5% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 679 | 1.5% | — |
| 15 | Mortgage Research Center, LLC | 637 | 1.4% | — |
| 16 | 21st Mortgage Corporation | 591 | 1.3% | — |
| 17 | GUARANTEED RATE, INC. | 569 | 1.3% | — |
| 18 | Broker Solutions, Inc. | 567 | 1.3% | — |
| 19 | Truist Bank 63 out of 100, Moderate | 552 | 1.2% | 40.8% |
| 20 | SouthState Bank, National Association 68 out of 100, Moderate | 534 | 1.2% | 23.3% |
| 21 | Bank of America, National Association 59 out of 100, Moderate | 499 | 1.1% | 44.7% |
| 22 | VANDERBILT MORTGAGE AND FINANCE, INC. | 479 | 1.1% | — |
| 23 | Navy Federal Credit Union 66 out of 100, Moderate | 474 | 1.0% | 32.9% |
| 24 | PLANET HOME LENDING, LLC | 463 | 1.0% | — |
| 25 | VILLAGE CAPITAL & INVESTMENT LLC | 461 | 1.0% | — |
| 26 | TRIAD FINANCIAL SERVICES, INC. | 442 | 1.0% | — |
| 27 | NATIONSTAR MORTGAGE LLC | 424 | 0.9% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 409 | 0.9% | 3.0% |
| 29 | Taylor Morrison Home Funding, Inc. | 395 | 0.9% | — |
| 30 | Suncoast Credit Union 62 out of 100, Moderate | 360 | 0.8% | 23.3% |
| 31 | SPRING EQ, LLC | 338 | 0.7% | — |
| 32 | KBHS HOME LOANS, LLC | 338 | 0.7% | — |
| 33 | Plains Commerce Bank 59 out of 100, Moderate | 336 | 0.7% | 10.0% |
| 34 | AmeriSave Mortgage Corporation | 326 | 0.7% | — |
| 35 | FIGURE LENDING LLC | 324 | 0.7% | — |
| 36 | TRAILBLAZER MORTGAGE L.L.C. | 313 | 0.7% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 285 | 0.6% | — |
| 38 | PULTE MORTGAGE LLC | 283 | 0.6% | — |
| 39 | Discover Bank | 277 | 0.6% | — |
| 40 | Equity Prime Mortgage LLC | 256 | 0.6% | — |
Top 40 of 633 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
- Pinellas County 42,029 apps
- Pasco County 39,658 apps
- Brevard County 36,873 apps
- Volusia County 30,743 apps
- Marion County 27,835 apps