Largest lenders in Pinellas County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 2,608 | 1,864 | 13.7% | 6.50% |
| 2 | Rocket Mortgage | C | 2,031 | 1,381 | 20.6% | 6.75% |
| 3 | Bank of America | F | 1,324 | 478 | 32.9% | 6.24% |
| 4 | Regions Bank | C | 1,263 | 556 | 37.7% | 4.99% |
| 5 | Crosscountry Mortgage | B | 956 | 607 | 3.5% | 6.75% |
| 6 | Achieva Credit Union | C | 905 | 595 | 24.0% | 7.25% |
| 7 | Truist Bank | C | 866 | 401 | 36.4% | 6.48% |
| 8 | Newrez | D | 841 | 346 | 16.4% | 6.63% |
| 9 | Pennymac Loan Services | C | 738 | 399 | 12.9% | 6.62% |
| 10 | Navy Federal Credit Union | D | 728 | 311 | 23.6% | 7.25% |
| 11 | Third Federal Savings and Loan Association of Cleveland | C | 713 | 391 | 30.3% | 6.99% |
| 12 | Fifth Third Bank | D | 664 | 277 | 34.5% | 7.65% |
| 13 | Midflorida | C | 641 | 265 | 40.6% | 6.25% |
| 14 | Suncoast Credit Union | C | 588 | 390 | 17.4% | 7.00% |
| 15 | Coastal Community Bank | C | 576 | 104 | 2.1% | 9.99% |
| 16 | JPMorgan Chase Bank | B | 502 | 254 | 14.9% | 6.63% |
| 17 | Mortgage Research Center | C | 442 | 171 | 20.6% | 6.25% |
| 18 | Guaranteed Rate | B | 440 | 216 | 8.0% | 6.63% |
| 19 | Freedom Mortgage | B | 407 | 180 | 10.8% | 6.25% |
| 20 | Spring Eq | D | 399 | 108 | 50.6% | 8.99% |
| 21 | AmeriSave Mortgage | D | 353 | 90 | 62.6% | 8.06% |
| 22 | Broker Solutions | D | 344 | 111 | 10.8% | 7.13% |
| 23 | Kiavi Funding | D | 325 | 201 | 9.9% | 10.20% |
| 24 | Movement Mortgage | A | 321 | 211 | 4.1% | 6.63% |
| 25 | The Loan Store | B | 312 | 191 | 15.4% | 7.10% |
Best approval odds in Pinellas County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Dominion Financial Services | 61 | 0.0% |
| 2 | 212 Loans, LLC. | 62 | 0.0% |
| 3 | Citadel Servicing | 73 | 0.0% |
| 4 | Easy Street Capital | 87 | 0.0% |
| 5 | Rf Renovo Management Company | 74 | 0.0% |
| 6 | The Mortgage Firm | 97 | 0.0% |
| 7 | Legend Lending | 88 | 1.1% |
| 8 | Cornerstone First Mortgage | 55 | 1.8% |
| 9 | Click n' Close | 91 | 2.2% |
| 10 | Van Dyk Mortgage | 133 | 3.0% |
What Pinellas County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Pinellas County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 37,646 | 19,904 | 22.7% | 7.00% | $215,000 |
| 2024 | 36,629 | 18,938 | 22.0% | 7.00% | $235,000 |
| 2025 | 37,578 | 19,902 | 20.1% | 6.75% | $245,000 |
Frequently asked questions
20.1% of applications in Pinellas County were denied in 2025, against 21.1% statewide in Florida.
United Shore Financial Services, with 2,608 applications in 2025 and a denial rate of 13.7%.
The median mortgage application in Pinellas County in 2025 was for $245,000; the median property value on originated loans was $435,000.