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Osceola County, Florida · 2025

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

583 lenders acted on 22,176 mortgage applications for properties in Osceola County in 2025. 23.0% were denied (Florida: 21.1%). Median rate on closed loans 6.50%; median loan $305,000; median property value $405,000.

22kApplications
23.0%Denial ratestate 21.1%
6.50%Median ratestate 6.63%
$305,000Median loan
$405,000Median property value

Largest lenders in Osceola County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 1,7941,235 17.6%6.38%
2 Dhi Mortgage Company B 886665 13.0%4.75%
3 Rocket Mortgage C 848575 20.6%6.75%
4 Lennar Mortgage A 569369 31.3%4.75%
5 Pulte Mortgage A 557333 25.3%5.00%
6 Crosscountry Mortgage B 473298 6.6%6.75%
7 Pennymac Loan Services C 462176 18.6%6.50%
8 Bank of America F 461120 50.5%6.38%
9 Newrez D 417123 29.3%6.75%
10 Broker Solutions D 411171 12.9%6.75%
11 Loandepot.Com D 381227 25.7%5.63%
12 Navy Federal Credit Union D 379128 30.1%7.83%
13 Freedom Mortgage B 370133 10.3%6.25%
14 A&D Mortgage C 337227 8.3%6.99%
15 Coastal Community Bank C 31263 3.2%9.74%
16 Spring Eq D 29263 54.5%9.58%
17 JPMorgan Chase Bank B 285173 12.6%6.38%
18 Taylor Morrison Home Funding A 273133 36.6%5.38%
19 Mortgage Research Center C 24783 28.3%6.25%
20 Lakeview Loan Servicing C 22925 67.3%7.88%
21 Regions Bank C 22271 51.8%4.99%
22 Cornerstone First Mortgage C 219167 1.8%6.88%
23 PARTNERS Federal Credit Union C 21899 38.5%7.00%
24 Addition Financial D 21688 31.5%6.75%
25 Truist Bank C 21175 54.0%6.68%

Best approval odds in Osceola County

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

#LenderDecidedDecision denial rate
1Cornerstone First Mortgage1722.3%
2The Mortgage Firm1172.6%
3Northpoint Mortgage673.0%
4Citadel Servicing613.3%
5American Neighborhood Mortgage Acceptance Company563.6%
6NFM1714.7%
7Coastal Community Bank1975.1%
8AMWEST Funding1315.3%
9Movement Mortgage916.6%
10First Heritage Mortgage586.9%

What Osceola County borrowers applied for

By loan purpose

Home purchase 12,382 56% · 15.5% denied
Refinance 2,348 11% · 24.8% denied
Cash-out refinance 3,559 16% · 26.6% denied
Home improvement 1,429 6% · 41.1% denied
Other / HELOC 2,458 11% · 43.3% denied

By loan type

Conventional 14,622 66% · 25.2% denied
FHA 5,624 25% · 19.2% denied
VA 1,913 9% · 17.4% denied
USDA / RHS 17 0% · 17.7% denied

Why applications were denied

Debt-to-income ratio 2,018 40%
Credit history 1,085 21%
Incomplete application 603 12%
Collateral 532 11%
Other 367 7%
Unverifiable information 225 4%
Insufficient cash 184 4%
Employment history 46 1%

Osceola County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202324,01612,04624.9%6.75%$295,000
202423,35812,31923.5%6.63%$295,000
202522,17611,54623.0%6.50%$305,000

Frequently asked questions

23.0% of applications in Osceola County were denied in 2025, against 21.1% statewide in Florida.

United Shore Financial Services, with 1,794 applications in 2025 and a denial rate of 17.6%.

The median mortgage application in Osceola County in 2025 was for $305,000; the median property value on originated loans was $405,000.