Largest lenders in Hardee County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Midflorida | C | 107 | 42 | 40.2% | 6.50% |
| 2 | 21st Mortgage | F | 56 | 11 | 30.4% | 9.01% |
| 3 | Suncoast Credit Union | C | 32 | 19 | 31.3% | 7.50% |
| 4 | Lower | C | 30 | 18 | 13.3% | 6.44% |
| 5 | United Shore Financial Services | B | 29 | 18 | 17.2% | 6.13% |
| 6 | Rocket Mortgage | C | 29 | 21 | 17.2% | 6.63% |
| 7 | Pennymac Loan Services | C | 18 | 9 | 22.2% | 6.25% |
| 8 | Triad Financial Services | D | 18 | 4 | 33.3% | 9.63% |
| 9 | Crosscountry Mortgage | B | 15 | 9 | 0.0% | 6.88% |
| 10 | Crews Bank & Trust | B | 11 | 7 | 18.2% | — |
| 11 | Mortgage Research Center | C | 10 | 2 | 70.0% | 5.87% |
| 12 | Truist Bank | C | 9 | 4 | 44.4% | 8.03% |
| 13 | Spring Eq | D | 9 | 2 | 33.3% | 10.48% |
| 14 | Southwest Stage Funding | F | 9 | 5 | 0.0% | 8.90% |
| 15 | Freedom Mortgage | B | 8 | 4 | 12.5% | 6.50% |
| 16 | Loandepot.Com | D | 8 | 2 | 50.0% | 6.81% |
| 17 | Leaderone Financial | D | 8 | 6 | 12.5% | 6.63% |
| 18 | AmeriSave Mortgage | D | 7 | 1 | 85.7% | 9.50% |
| 19 | Bell Bank | A | 7 | 6 | 14.3% | 6.38% |
| 20 | Broker Solutions | D | 7 | 0 | 14.3% | — |
| 21 | Coastal Community Bank | C | 7 | 0 | 0.0% | — |
| 22 | Discover Bank | F | 6 | 0 | 83.3% | — |
| 23 | Fifth Third Bank | D | 6 | 4 | 0.0% | 7.57% |
| 24 | American Liberty Mortgage | B | 6 | 5 | 0.0% | 6.13% |
| 25 | Gold Star Mortgage Financial Group | C | 6 | 3 | 0.0% | 7.49% |
Best approval odds in Hardee County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Midflorida | 87 | 49.4% |
What Hardee County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hardee County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 496 | 223 | 30.0% | 6.99% | $155,000 |
| 2024 | 583 | 296 | 23.7% | 6.75% | $165,000 |
| 2025 | 659 | 296 | 26.1% | 6.75% | $185,000 |
Frequently asked questions
26.1% of applications in Hardee County were denied in 2025, against 21.1% statewide in Florida.
Midflorida, with 107 applications in 2025 and a denial rate of 40.2%.
The median mortgage application in Hardee County in 2025 was for $185,000; the median property value on originated loans was $285,000.