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Pasco County, Florida · 2025

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

641 lenders acted on 33,434 mortgage applications for properties in Pasco County in 2025. 18.9% were denied (Florida: 21.1%). Median rate on closed loans 6.49%; median loan $245,000; median property value $375,000.

33kApplications
18.9%Denial ratestate 21.1%
6.49%Median ratestate 6.63%
$245,000Median loan
$375,000Median property value

Largest lenders in Pasco County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 2,5991,898 13.2%6.25%
2 Lennar Mortgage A 1,6921,298 17.6%4.63%
3 Rocket Mortgage C 1,6541,152 19.4%6.63%
4 Dhi Mortgage Company B 1,3571,045 9.6%4.99%
5 Suncoast Credit Union C 1,283854 18.3%7.25%
6 Pennymac Loan Services C 756401 11.5%6.50%
7 Bank of America F 695247 34.8%6.25%
8 Newrez D 620219 19.4%6.63%
9 Navy Federal Credit Union D 617252 25.5%7.75%
10 Mortgage Research Center C 565210 22.3%6.25%
11 Freedom Mortgage B 530246 10.8%6.25%
12 Crosscountry Mortgage B 524336 6.3%6.63%
13 Truist Bank C 520236 36.7%6.75%
14 Third Federal Savings and Loan Association of Cleveland C 462196 39.2%6.99%
15 Regions Bank C 449196 42.1%5.31%
16 Pulte Mortgage A 417276 15.1%5.50%
17 Coastal Community Bank C 41696 1.9%9.62%
18 Midflorida C 415181 39.3%6.38%
19 Guaranteed Rate B 396230 7.8%5.99%
20 Broker Solutions D 390170 10.0%6.75%
21 Taylor Morrison Home Funding A 380253 13.2%5.63%
22 M/i Financial A 376310 2.4%5.38%
23 21st Mortgage F 35947 48.5%8.95%
24 Lakeview Loan Servicing C 35575 49.9%6.49%
25 Loandepot.Com D 347186 25.9%6.81%

Best approval odds in Pasco County

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

#LenderDecidedDecision denial rate
1Easy Street Capital520.0%
2Jmac Lending831.2%
3NFM711.4%
4My Mortgage551.8%
5Gershman Investment502.0%
6M/i Financial3622.5%
7Coastal Community Bank2912.8%
8The Mortgage Firm1432.8%
9Fbc Mortgage1213.3%
10Point Mortgage823.7%

What Pasco County borrowers applied for

By loan purpose

Home purchase 17,765 53% · 11.8% denied
Refinance 4,265 13% · 19.7% denied
Cash-out refinance 4,653 14% · 25.2% denied
Home improvement 2,646 8% · 33.1% denied
Other / HELOC 4,105 12% · 32.5% denied

By loan type

Conventional 22,288 67% · 20.5% denied
FHA 7,395 22% · 16.7% denied
VA 3,687 11% · 14.0% denied
USDA / RHS 64 0% · 10.9% denied

Why applications were denied

Debt-to-income ratio 2,302 37%
Credit history 1,434 23%
Collateral 833 13%
Incomplete application 780 12%
Other 472 7%
Unverifiable information 222 4%
Insufficient cash 184 3%
Employment history 69 1%

Pasco County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202333,74118,80521.0%6.63%$235,000
202433,94319,31919.5%6.63%$245,000
202533,43418,89918.9%6.49%$245,000

Frequently asked questions

18.9% of applications in Pasco County were denied in 2025, against 21.1% statewide in Florida.

United Shore Financial Services, with 2,599 applications in 2025 and a denial rate of 13.2%.

The median mortgage application in Pasco County in 2025 was for $245,000; the median property value on originated loans was $375,000.