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Manatee County, Florida · 2025

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

695 lenders acted on 22,061 mortgage applications for properties in Manatee County in 2025. 18.5% were denied (Florida: 21.1%). Median rate on closed loans 6.49%; median loan $295,000; median property value $445,000.

22kApplications
18.5%Denial ratestate 21.1%
6.49%Median ratestate 6.63%
$295,000Median loan
$445,000Median property value

Largest lenders in Manatee County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Lennar Mortgage A 1,270908 18.9%4.88%
2 United Shore Financial Services B 1,233823 18.3%6.50%
3 Dhi Mortgage Company B 1,126825 15.1%4.75%
4 Rocket Mortgage C 906606 21.2%6.63%
5 Suncoast Credit Union C 642441 16.0%7.50%
6 Bank of America F 594246 29.6%6.00%
7 Pennymac Loan Services C 589323 14.4%6.62%
8 Taylor Morrison Home Funding A 522343 16.7%5.75%
9 Fifth Third Bank D 365151 39.7%7.25%
10 CMG Mortgage A 354238 4.8%6.63%
11 Pulte Mortgage A 354232 10.7%5.25%
12 Newrez D 353117 18.7%6.75%
13 Loandepot.Com D 347241 12.4%5.75%
14 Third Federal Savings and Loan Association of Cleveland C 314169 31.2%6.99%
15 Truist Bank C 305125 41.3%6.69%
16 Regions Bank C 295149 33.6%6.00%
17 Navy Federal Credit Union D 289124 24.6%7.25%
18 Crosscountry Mortgage B 271159 3.3%6.75%
19 Freedom Mortgage B 237103 9.7%6.25%
20 Mortgage Research Center C 23692 19.5%6.25%
21 Coastal Community Bank C 22845 1.3%8.99%
22 Neal Communities Funding B 223181 7.6%5.75%
23 Kbhs Home Loans B 223108 4.9%5.68%
24 NVR Mortgage Finance B 222148 24.3%5.99%
25 JPMorgan Chase Bank B 212118 12.7%6.63%

Best approval odds in Manatee County

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

#LenderDecidedDecision denial rate
1M/i Financial1760.0%
2Coastal Community Bank1571.9%
3Fbc Mortgage983.1%
4NFM643.1%
5Cornerstone First Mortgage633.2%
6Jmac Lending603.3%
7Paramount Residential Mortgage Group634.8%
8Crosscountry Mortgage1745.2%
9Fairway Funding Group745.4%
10Guild Mortgage705.7%

What Manatee County borrowers applied for

By loan purpose

Home purchase 12,253 56% · 12.0% denied
Refinance 2,544 12% · 19.9% denied
Cash-out refinance 2,784 13% · 24.0% denied
Home improvement 1,970 9% · 32.5% denied
Other / HELOC 2,510 11% · 32.0% denied

By loan type

Conventional 16,515 75% · 19.2% denied
FHA 3,724 17% · 18.3% denied
VA 1,793 8% · 13.2% denied
USDA / RHS 29 0% · 20.7% denied

Why applications were denied

Debt-to-income ratio 1,615 40%
Credit history 726 18%
Collateral 592 14%
Incomplete application 502 12%
Other 306 7%
Unverifiable information 172 4%
Insufficient cash 123 3%
Employment history 47 1%

Manatee County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202321,39912,41218.9%6.64%$295,000
202421,46812,41919.2%6.75%$295,000
202522,06112,75418.5%6.49%$295,000

Frequently asked questions

18.5% of applications in Manatee County were denied in 2025, against 21.1% statewide in Florida.

Lennar Mortgage, with 1,270 applications in 2025 and a denial rate of 18.9%.

The median mortgage application in Manatee County in 2025 was for $295,000; the median property value on originated loans was $445,000.