Largest lenders in Lee County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 3,241 | 2,301 | 15.7% | 6.38% |
| 2 | Suncoast Credit Union | C | 2,582 | 1,656 | 19.6% | 7.50% |
| 3 | Rocket Mortgage | C | 2,238 | 1,510 | 22.4% | 6.63% |
| 4 | Lennar Mortgage | A | 1,403 | 870 | 29.6% | 5.63% |
| 5 | Crosscountry Mortgage | B | 1,086 | 701 | 4.4% | 6.75% |
| 6 | Loandepot.Com | D | 1,077 | 700 | 19.9% | 6.38% |
| 7 | Pennymac Loan Services | C | 952 | 467 | 15.4% | 6.50% |
| 8 | Fifth Third Bank | D | 862 | 356 | 35.4% | 7.49% |
| 9 | Bank of America | F | 774 | 245 | 37.9% | 6.24% |
| 10 | Dhi Mortgage Company | B | 711 | 453 | 11.8% | 5.13% |
| 11 | Lake Michigan Credit Union | A | 672 | 444 | 12.7% | 6.62% |
| 12 | Pulte Mortgage | A | 663 | 472 | 11.2% | 5.88% |
| 13 | Newrez | D | 650 | 198 | 22.8% | 6.75% |
| 14 | Broker Solutions | D | 583 | 291 | 8.2% | 6.88% |
| 15 | Freedom Mortgage | B | 560 | 238 | 12.7% | 6.25% |
| 16 | Third Federal Savings and Loan Association of Cleveland | C | 553 | 276 | 31.8% | 6.99% |
| 17 | American Pacific Mortgage | C | 540 | 437 | 7.8% | 6.63% |
| 18 | Mortgage Research Center | C | 445 | 196 | 17.8% | 6.25% |
| 19 | Coastal Community Bank | C | 441 | 80 | 0.9% | 9.49% |
| 20 | Truist Bank | C | 438 | 166 | 47.7% | 6.66% |
| 21 | JPMorgan Chase Bank | B | 400 | 242 | 11.8% | 6.63% |
| 22 | Paramount Residential Mortgage Group | B | 396 | 288 | 4.6% | 6.63% |
| 23 | Spring Eq | D | 393 | 75 | 58.3% | 8.83% |
| 24 | Lakeview Loan Servicing | C | 383 | 55 | 55.6% | 6.63% |
| 25 | Regions Bank | C | 382 | 134 | 46.3% | 4.99% |
Best approval odds in Lee County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Point Mortgage | 58 | 0.0% |
| 2 | Coastal Community Bank | 279 | 1.4% |
| 3 | Mortgage 1 | 207 | 1.5% |
| 4 | Reliable Holdings Manager dba Lendz Financial | 53 | 1.9% |
| 5 | Geneva Financial | 52 | 1.9% |
| 6 | Cornerstone First Mortgage | 77 | 2.6% |
| 7 | Citadel Servicing | 103 | 2.9% |
| 8 | The Mortgage Warehouse,llc | 59 | 3.4% |
| 9 | Sanibel Captiva Community Bank | 78 | 3.9% |
| 10 | Movement Mortgage | 315 | 4.4% |
What Lee County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lee County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 39,194 | 21,103 | 22.2% | 6.95% | $265,000 |
| 2024 | 40,367 | 22,228 | 21.4% | 6.88% | $275,000 |
| 2025 | 40,904 | 23,138 | 19.3% | 6.63% | $275,000 |
Frequently asked questions
19.3% of applications in Lee County were denied in 2025, against 21.1% statewide in Florida.
United Shore Financial Services, with 3,241 applications in 2025 and a denial rate of 15.7%.
The median mortgage application in Lee County in 2025 was for $275,000; the median property value on originated loans was $375,000.