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Collier County, Florida · 2025

Mortgage lenders in Collier County, FL: denial rates and top lenders (2025)

703 lenders acted on 16,952 mortgage applications for properties in Collier County in 2025. 20.1% were denied (Florida: 21.1%). Median rate on closed loans 6.75%; median loan $335,000; median property value $605,000.

17kApplications
20.1%Denial ratestate 21.1%
6.75%Median ratestate 6.63%
$335,000Median loan
$605,000Median property value

Largest lenders in Collier County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Suncoast Credit Union C 951612 20.3%7.50%
2 Crosscountry Mortgage B 874539 4.2%6.88%
3 United Shore Financial Services B 856577 17.3%6.62%
4 Rocket Mortgage C 829561 21.7%6.75%
5 Fifth Third Bank D 570240 35.1%7.65%
6 Bank of America F 545177 36.5%6.00%
7 Lake Michigan Credit Union A 414277 14.3%6.62%
8 Third Federal Savings and Loan Association of Cleveland C 356185 32.9%6.99%
9 Pulte Mortgage A 326225 15.3%5.25%
10 American Pacific Mortgage C 325248 11.7%6.63%
11 Pennymac Loan Services C 322166 14.6%6.62%
12 JPMorgan Chase Bank B 296179 14.2%6.38%
13 Loandepot.Com D 279163 24.0%6.54%
14 Broker Solutions D 270136 8.9%6.99%
15 Newrez D 24790 19.4%7.06%
16 Truist Bank C 23891 43.3%6.62%
17 Lennar Mortgage A 231155 25.5%5.75%
18 Coastal Community Bank C 22129 0.9%10.49%
19 Spring Eq D 21747 57.6%8.60%
20 Citizens Bank C 209111 29.2%7.40%
21 Regions Bank C 20463 53.4%4.99%
22 Guaranteed Rate B 19699 5.1%6.88%
23 PNC Bank D 19295 28.7%6.75%
24 U.S. Bank D 184108 21.2%6.38%
25 Wells Fargo Bank B 17086 21.8%6.38%

Best approval odds in Collier County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Summit Mortgage761.3%
2Coastal Community Bank1161.7%
3Morgan Stanley Private Bank755.3%
4Charles Schwab Bank515.9%
5Crosscountry Mortgage5936.2%
6Lower588.6%
7Guaranteed Rate1138.9%
8Movement Mortgage879.2%
9Toll Brothers Mortgage5710.5%
10CMG Mortgage5510.9%

What Collier County borrowers applied for

By loan purpose

Home purchase 7,753 46% · 11.4% denied
Refinance 2,159 13% · 23.2% denied
Cash-out refinance 2,486 15% · 23.9% denied
Home improvement 1,931 11% · 32.5% denied
Other / HELOC 2,623 15% · 30.3% denied

By loan type

Conventional 14,814 87% · 20.4% denied
FHA 1,588 9% · 18.8% denied
VA 546 3% · 14.3% denied
USDA / RHS 4 0% · 50.0% denied

Why applications were denied

Debt-to-income ratio 1,398 41%
Credit history 529 16%
Collateral 513 15%
Incomplete application 424 13%
Other 282 8%
Unverifiable information 142 4%
Insufficient cash 86 3%
Employment history 16 0%

Collier County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202317,4319,25423.0%6.99%$315,000
202416,6559,03821.2%7.00%$325,000
202516,9529,28120.1%6.75%$335,000

Frequently asked questions

20.1% of applications in Collier County were denied in 2025, against 21.1% statewide in Florida.

Suncoast Credit Union, with 951 applications in 2025 and a denial rate of 20.3%.

The median mortgage application in Collier County in 2025 was for $335,000; the median property value on originated loans was $605,000.