Largest lenders in Polk County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 2,895 | 1,980 | 16.7% | 6.25% |
| 2 | Midflorida | C | 2,448 | 1,160 | 36.7% | 6.49% |
| 3 | Rocket Mortgage | C | 1,692 | 1,181 | 19.7% | 6.63% |
| 4 | Dhi Mortgage Company | B | 1,447 | 919 | 21.5% | 4.99% |
| 5 | Lennar Mortgage | A | 1,326 | 857 | 30.0% | 4.63% |
| 6 | Loandepot.Com | D | 1,100 | 665 | 26.8% | 5.49% |
| 7 | Pennymac Loan Services | C | 782 | 340 | 12.7% | 6.38% |
| 8 | Freedom Mortgage | B | 722 | 305 | 11.5% | 6.25% |
| 9 | Newrez | D | 701 | 205 | 23.3% | 6.63% |
| 10 | Crosscountry Mortgage | B | 678 | 430 | 6.1% | 6.58% |
| 11 | Mortgage Research Center | C | 637 | 242 | 25.6% | 6.25% |
| 12 | 21st Mortgage | F | 591 | 98 | 47.0% | 10.20% |
| 13 | Broker Solutions | D | 567 | 224 | 9.5% | 6.63% |
| 14 | SouthState Bank | B | 534 | 323 | 25.5% | 7.15% |
| 15 | Bank of America | F | 481 | 109 | 53.2% | 6.49% |
| 16 | Navy Federal Credit Union | D | 474 | 198 | 23.6% | 7.65% |
| 17 | Vanderbilt Mortgage and Finance | F | 474 | 277 | 15.4% | 4.99% |
| 18 | Triad Financial Services | D | 442 | 68 | 57.7% | 8.70% |
| 19 | Truist Bank | C | 428 | 150 | 53.5% | 7.10% |
| 20 | Coastal Community Bank | C | 409 | 99 | 2.9% | 10.24% |
| 21 | Lakeview Loan Servicing | C | 407 | 73 | 54.8% | 6.63% |
| 22 | Taylor Morrison Home Funding | A | 395 | 180 | 43.8% | 5.00% |
| 23 | Guaranteed Rate | B | 387 | 211 | 10.1% | 6.04% |
| 24 | Suncoast Credit Union | C | 360 | 214 | 27.5% | 7.25% |
| 25 | Kbhs Home Loans | B | 338 | 206 | 16.3% | 5.98% |
Best approval odds in Polk County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | M/i Financial | 75 | 1.3% |
| 2 | Cornerstone First Mortgage | 117 | 2.6% |
| 3 | The Mortgage Firm | 92 | 3.3% |
| 4 | Rmc Home Mortgage | 98 | 4.1% |
| 5 | Gardner Financial Services | 71 | 4.2% |
| 6 | American Financial Resources | 68 | 4.4% |
| 7 | Jmac Lending | 67 | 4.5% |
| 8 | Coastal Community Bank | 267 | 4.5% |
| 9 | Kiavi Funding | 133 | 5.3% |
| 10 | American Neighborhood Mortgage Acceptance Company | 132 | 5.3% |
What Polk County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Polk County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 39,744 | 20,668 | 23.8% | 6.63% | $235,000 |
| 2024 | 39,702 | 20,937 | 23.9% | 6.50% | $245,000 |
| 2025 | 38,263 | 20,119 | 23.2% | 6.38% | $245,000 |
Frequently asked questions
23.2% of applications in Polk County were denied in 2025, against 21.1% statewide in Florida.
United Shore Financial Services, with 2,895 applications in 2025 and a denial rate of 16.7%.
The median mortgage application in Polk County in 2025 was for $245,000; the median property value on originated loans was $325,000.