Largest lenders in Orange County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 4,267 | 3,027 | 15.4% | 6.38% |
| 2 | Rocket Mortgage | C | 2,390 | 1,673 | 19.1% | 6.75% |
| 3 | Bank of America | F | 1,399 | 495 | 37.6% | 6.24% |
| 4 | Truist Bank | C | 1,236 | 571 | 39.0% | 6.38% |
| 5 | Navy Federal Credit Union | D | 1,101 | 460 | 25.3% | 7.89% |
| 6 | Fairwinds Credit Union | D | 1,079 | 528 | 32.7% | 7.00% |
| 7 | Pennymac Loan Services | C | 1,077 | 523 | 13.4% | 6.62% |
| 8 | Crosscountry Mortgage | B | 986 | 599 | 8.2% | 6.75% |
| 9 | Regions Bank | C | 941 | 394 | 39.4% | 4.99% |
| 10 | Newrez | D | 907 | 245 | 22.9% | 6.63% |
| 11 | Coastal Community Bank | C | 763 | 162 | 2.0% | 10.24% |
| 12 | Fifth Third Bank | D | 754 | 327 | 35.5% | 7.65% |
| 13 | Pulte Mortgage | A | 743 | 449 | 22.6% | 5.75% |
| 14 | Spring Eq | D | 722 | 216 | 48.8% | 9.26% |
| 15 | JPMorgan Chase Bank | B | 718 | 412 | 11.6% | 6.50% |
| 16 | Broker Solutions | D | 714 | 276 | 11.6% | 6.75% |
| 17 | Dhi Mortgage Company | B | 648 | 459 | 13.0% | 4.75% |
| 18 | Freedom Mortgage | B | 618 | 240 | 10.0% | 6.25% |
| 19 | Lakeview Loan Servicing | C | 550 | 80 | 58.2% | 6.73% |
| 20 | Loandepot.Com | D | 530 | 297 | 23.0% | 6.88% |
| 21 | PARTNERS Federal Credit Union | C | 521 | 282 | 28.0% | 7.00% |
| 22 | A&D Mortgage | C | 497 | 312 | 8.3% | 6.88% |
| 23 | Figure Lending | C | 467 | 219 | 27.6% | 8.80% |
| 24 | TrustCo Bank | B | 460 | 222 | 35.9% | 5.75% |
| 25 | Addition Financial | D | 459 | 245 | 24.2% | 6.50% |
Best approval odds in Orange County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mortgage Equity Partners | 80 | 0.0% |
| 2 | Northpoint Mortgage | 75 | 1.3% |
| 3 | Jmac Lending | 70 | 1.4% |
| 4 | American Neighborhood Mortgage Acceptance Company | 57 | 1.8% |
| 5 | Click n' Close | 50 | 2.0% |
| 6 | The Mortgage Firm | 178 | 2.3% |
| 7 | Coastal Community Bank | 511 | 2.9% |
| 8 | Alkan Mortgage | 130 | 3.9% |
| 9 | NFM | 127 | 3.9% |
| 10 | Luminate Bank | 50 | 4.0% |
What Orange County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Orange County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 46,008 | 22,645 | 25.0% | 6.99% | $245,000 |
| 2024 | 47,880 | 24,205 | 23.6% | 6.88% | $255,000 |
| 2025 | 48,542 | 25,012 | 21.9% | 6.63% | $275,000 |
Frequently asked questions
21.9% of applications in Orange County were denied in 2025, against 21.1% statewide in Florida.
United Shore Financial Services, with 4,267 applications in 2025 and a denial rate of 15.4%.
The median mortgage application in Orange County in 2025 was for $275,000; the median property value on originated loans was $475,000.