Largest lenders in Martin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 489 | 348 | 10.2% | 6.55% |
| 2 | Rocket Mortgage | C | 308 | 223 | 14.6% | 6.75% |
| 3 | Crosscountry Mortgage | B | 279 | 195 | 2.2% | 6.88% |
| 4 | Seacoast National Bank | D | 246 | 144 | 28.9% | 7.25% |
| 5 | Bank of America | F | 239 | 85 | 29.3% | 5.99% |
| 6 | Pennymac Loan Services | C | 186 | 112 | 14.5% | 6.59% |
| 7 | Pulte Mortgage | A | 153 | 107 | 15.0% | 5.50% |
| 8 | Midflorida | C | 147 | 68 | 39.5% | 6.06% |
| 9 | PNC Bank | D | 141 | 68 | 34.0% | 7.62% |
| 10 | Truist Bank | C | 134 | 57 | 44.0% | 6.34% |
| 11 | Mattamy Home Funding | A | 128 | 95 | 8.6% | 5.75% |
| 12 | JPMorgan Chase Bank | B | 118 | 67 | 11.9% | 6.49% |
| 13 | Newrez | D | 118 | 43 | 15.3% | 6.75% |
| 14 | Loandepot.Com | D | 111 | 77 | 12.6% | 5.25% |
| 15 | Spring Eq | D | 105 | 27 | 50.5% | 8.65% |
| 16 | Third Federal Savings and Loan Association of Cleveland | C | 100 | 48 | 35.0% | 6.99% |
| 17 | Navy Federal Credit Union | D | 100 | 52 | 14.0% | 7.70% |
| 18 | TD Bank | D | 97 | 52 | 24.7% | 7.74% |
| 19 | Dhi Mortgage Company | B | 95 | 71 | 5.3% | 4.99% |
| 20 | Coastal Community Bank | C | 88 | 21 | 1.1% | 9.99% |
| 21 | SouthState Bank | B | 86 | 45 | 30.2% | 6.85% |
| 22 | Guaranteed Rate | B | 85 | 45 | 16.5% | 6.88% |
| 23 | Space Coast Credit Union | C | 78 | 45 | 23.1% | 5.75% |
| 24 | AmeriSave Mortgage | D | 71 | 15 | 73.2% | 8.50% |
| 25 | 21st Mortgage | F | 62 | 9 | 40.3% | 9.96% |
Best approval odds in Martin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Coastal Community Bank | 62 | 1.6% |
| 2 | Crosscountry Mortgage | 205 | 2.9% |
| 3 | Dhi Mortgage Company | 76 | 6.6% |
| 4 | Mattamy Home Funding | 106 | 10.4% |
| 5 | United Shore Financial Services | 408 | 12.3% |
| 6 | Loandepot.Com | 94 | 14.9% |
| 7 | Rocket Mortgage | 276 | 16.3% |
| 8 | JPMorgan Chase Bank | 84 | 16.7% |
| 9 | Pulte Mortgage | 130 | 17.7% |
| 10 | Pennymac Loan Services | 143 | 18.9% |
What Martin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Martin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 6,033 | 3,243 | 21.3% | 6.99% | $235,000 |
| 2024 | 6,057 | 3,235 | 21.2% | 6.99% | $245,000 |
| 2025 | 6,809 | 3,761 | 18.6% | 6.75% | $275,000 |
Frequently asked questions
18.6% of applications in Martin County were denied in 2025, against 21.1% statewide in Florida.
United Shore Financial Services, with 489 applications in 2025 and a denial rate of 10.2%.
The median mortgage application in Martin County in 2025 was for $275,000; the median property value on originated loans was $545,000.