Largest lenders in Highlands County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Midflorida | C | 501 | 241 | 39.5% | 6.49% |
| 2 | Rocket Mortgage | C | 282 | 199 | 16.3% | 6.63% |
| 3 | United Shore Financial Services | B | 274 | 198 | 13.5% | 6.50% |
| 4 | Leaderone Financial | D | 212 | 152 | 10.9% | 6.63% |
| 5 | Seacoast National Bank | D | 120 | 76 | 23.3% | 7.06% |
| 6 | Freedom Mortgage | B | 117 | 51 | 8.6% | 6.25% |
| 7 | Metroplex Mortgage Services | B | 113 | 93 | 6.2% | 6.63% |
| 8 | Mortgage Research Center | C | 97 | 35 | 20.6% | 6.25% |
| 9 | Newrez | D | 91 | 27 | 29.7% | 6.63% |
| 10 | Bank of America | F | 84 | 20 | 47.6% | 6.68% |
| 11 | Broker Solutions | D | 84 | 35 | 4.8% | 6.93% |
| 12 | 21st Mortgage | F | 82 | 15 | 53.7% | 9.92% |
| 13 | SouthState Bank | B | 80 | 48 | 23.8% | 7.20% |
| 14 | Pennymac Loan Services | C | 77 | 43 | 7.8% | 6.50% |
| 15 | Crosscountry Mortgage | B | 71 | 41 | 11.3% | 6.83% |
| 16 | Inspire Home Loans | B | 64 | 33 | 23.4% | 4.88% |
| 17 | Suncoast Credit Union | C | 62 | 35 | 22.6% | 7.00% |
| 18 | Bell Bank | A | 59 | 51 | 3.4% | 6.63% |
| 19 | Truist Bank | C | 54 | 27 | 29.6% | 7.55% |
| 20 | Coastal Community Bank | C | 54 | 14 | 0.0% | 10.37% |
| 21 | Spring Eq | D | 51 | 14 | 54.9% | 8.23% |
| 22 | NFM | A | 51 | 33 | 2.0% | 6.75% |
| 23 | Navy Federal Credit Union | D | 50 | 26 | 26.0% | 6.63% |
| 24 | AmeriSave Mortgage | D | 48 | 9 | 68.8% | 7.13% |
| 25 | Loandepot.Com | D | 47 | 20 | 40.4% | 6.99% |
Best approval odds in Highlands County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Bell Bank | 53 | 3.8% |
| 2 | Metroplex Mortgage Services | 100 | 7.0% |
| 3 | Pennymac Loan Services | 51 | 11.8% |
| 4 | Leaderone Financial | 177 | 13.0% |
| 5 | Freedom Mortgage | 70 | 14.3% |
| 6 | United Shore Financial Services | 238 | 15.6% |
| 7 | Crosscountry Mortgage | 50 | 16.0% |
| 8 | Rocket Mortgage | 256 | 18.0% |
| 9 | Seacoast National Bank | 106 | 26.4% |
| 10 | SouthState Bank | 67 | 28.4% |
What Highlands County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Highlands County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 4,116 | 2,100 | 24.3% | 6.88% | $155,000 |
| 2024 | 4,289 | 2,228 | 23.0% | 6.75% | $175,000 |
| 2025 | 4,544 | 2,448 | 21.9% | 6.75% | $175,000 |
Frequently asked questions
21.9% of applications in Highlands County were denied in 2025, against 21.1% statewide in Florida.
Midflorida, with 501 applications in 2025 and a denial rate of 39.5%.
The median mortgage application in Highlands County in 2025 was for $175,000; the median property value on originated loans was $275,000.