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Seminole County, Florida · 2025

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

549 lenders acted on 17,519 mortgage applications for properties in Seminole County in 2025. 19.3% were denied (Florida: 21.1%). Median rate on closed loans 6.63%; median loan $255,000; median property value $445,000.

18kApplications
19.3%Denial ratestate 21.1%
6.63%Median ratestate 6.63%
$255,000Median loan
$445,000Median property value

Largest lenders in Seminole County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 1,4481,075 12.3%6.50%
2 Rocket Mortgage C 981710 17.0%6.75%
3 Fairwinds Credit Union D 879457 28.8%6.88%
4 Bank of America F 560219 33.4%6.24%
5 Truist Bank C 470237 35.3%6.87%
6 Navy Federal Credit Union D 447206 21.9%7.75%
7 Pennymac Loan Services C 399228 12.3%6.50%
8 Crosscountry Mortgage B 357235 4.5%6.63%
9 Regions Bank C 328133 38.7%5.88%
10 Newrez D 29693 18.6%6.75%
11 Spring Eq D 29494 52.0%9.28%
12 Fifth Third Bank D 279136 33.3%7.90%
13 Coastal Community Bank C 25467 3.2%9.99%
14 Freedom Mortgage B 253121 9.5%6.25%
15 TrustCo Bank B 230124 24.8%5.88%
16 Mortgage Research Center C 22975 25.3%6.25%
17 Broker Solutions D 22096 10.0%6.93%
18 JPMorgan Chase Bank B 215104 8.8%6.38%
19 Loandepot.Com D 200107 22.0%7.25%
20 Addition Financial D 191100 23.6%6.50%
21 Discover Bank F 16623 53.0%8.93%
22 The Mortgage Firm B 165132 2.4%6.62%
23 Pulte Mortgage A 162123 16.1%5.00%
24 Figure Lending C 16089 23.8%9.05%
25 Wells Fargo Bank B 15681 15.4%6.25%

Best approval odds in Seminole County

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

#LenderDecidedDecision denial rate
1M/i Financial940.0%
2Alkan Mortgage631.6%
3Guaranteed Rate Affinity541.9%
4The Mortgage Firm1392.9%
5Trailblazer Mortgage543.7%
6Plains Commerce Bank793.8%
7Coastal Community Bank1754.6%
8Kbhs Home Loans644.7%
9Waterstone Mortgage765.3%
10Fbc Mortgage1235.7%

What Seminole County borrowers applied for

By loan purpose

Home purchase 7,594 43% · 9.6% denied
Refinance 2,258 13% · 20.3% denied
Cash-out refinance 3,123 18% · 22.2% denied
Home improvement 1,951 11% · 33.3% denied
Other / HELOC 2,593 15% · 32.7% denied

By loan type

Conventional 13,838 79% · 20.2% denied
FHA 2,361 13% · 16.7% denied
VA 1,300 7% · 14.2% denied
USDA / RHS 20 0% · 35.0% denied

Why applications were denied

Debt-to-income ratio 1,221 36%
Credit history 665 20%
Incomplete application 534 16%
Collateral 454 14%
Other 247 7%
Unverifiable information 127 4%
Insufficient cash 84 3%
Employment history 27 1%

Seminole County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202317,4669,06422.9%6.88%$215,000
202417,1069,13821.5%6.88%$235,000
202517,5199,53019.3%6.63%$255,000

Frequently asked questions

19.3% of applications in Seminole County were denied in 2025, against 21.1% statewide in Florida.

United Shore Financial Services, with 1,448 applications in 2025 and a denial rate of 12.3%.

The median mortgage application in Seminole County in 2025 was for $255,000; the median property value on originated loans was $445,000.