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St. Lucie County, Florida · 2025

Mortgage lenders in St. Lucie County, FL: denial rates and top lenders (2025)

566 lenders acted on 19,843 mortgage applications for properties in St. Lucie County in 2025. 22.8% were denied (Florida: 21.1%). Median rate on closed loans 6.58%; median loan $275,000; median property value $405,000.

20kApplications
22.8%Denial ratestate 21.1%
6.58%Median ratestate 6.63%
$275,000Median loan
$405,000Median property value

Largest lenders in St. Lucie County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 1,8441,309 16.4%6.39%
2 Rocket Mortgage C 1,130791 18.4%6.63%
3 Crosscountry Mortgage B 707469 4.4%6.75%
4 Midflorida C 574215 50.2%6.49%
5 Loandepot.Com D 566294 35.5%5.88%
6 Bank of America F 525152 42.3%6.24%
7 Pennymac Loan Services C 509231 14.2%6.38%
8 Lennar Mortgage A 503365 19.3%4.88%
9 Newrez D 489151 20.5%6.63%
10 PNC Bank D 429186 35.7%7.44%
11 Freedom Mortgage B 380141 11.8%6.25%
12 Dhi Mortgage Company B 294164 29.9%4.75%
13 Coastal Community Bank C 29162 0.3%10.12%
14 Navy Federal Credit Union D 287108 25.1%7.80%
15 Spring Eq D 27467 53.7%9.33%
16 Seacoast National Bank D 262151 29.0%7.25%
17 Mortgage Research Center C 26198 25.3%6.25%
18 Lakeview Loan Servicing C 24034 59.6%6.94%
19 Space Coast Credit Union C 22594 36.4%6.13%
20 Guaranteed Rate B 224118 5.4%6.75%
21 TD Bank D 21686 35.2%7.70%
22 Taylor Morrison Home Funding A 210125 18.6%5.88%
23 Truist Bank C 20976 49.8%6.61%
24 JPMorgan Chase Bank B 202111 17.8%6.63%
25 Broker Solutions D 20054 14.0%6.63%

Best approval odds in St. Lucie County

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

#LenderDecidedDecision denial rate
1Coastal Community Bank1870.5%
2Guild Mortgage1233.3%
3Union Home Mortgage545.6%
4Amerihome Mortgage Company725.6%
5Coastal Loans1346.0%
6Fairway Independent Mortgage666.1%
7Crosscountry Mortgage5116.1%
8Movement Mortgage637.9%
9A&D Mortgage1088.3%
10Paramount Residential Mortgage Group1188.5%

What St. Lucie County borrowers applied for

By loan purpose

Home purchase 9,468 48% · 14.4% denied
Refinance 2,623 13% · 23.4% denied
Cash-out refinance 3,521 18% · 25.9% denied
Home improvement 1,855 9% · 40.4% denied
Other / HELOC 2,376 12% · 37.6% denied

By loan type

Conventional 12,868 65% · 24.3% denied
FHA 5,144 26% · 21.6% denied
VA 1,825 9% · 16.1% denied
USDA / RHS 6 0% · 16.7% denied

Why applications were denied

Debt-to-income ratio 1,847 41%
Credit history 978 22%
Incomplete application 585 13%
Collateral 468 10%
Other 293 6%
Unverifiable information 162 4%
Insufficient cash 150 3%
Employment history 34 1%
Mortgage insurance denied 1 0%

St. Lucie County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202320,33710,29525.2%6.75%$255,000
202420,67610,72623.9%6.75%$275,000
202519,84310,30422.8%6.58%$275,000

Frequently asked questions

22.8% of applications in St. Lucie County were denied in 2025, against 21.1% statewide in Florida.

United Shore Financial Services, with 1,844 applications in 2025 and a denial rate of 16.4%.

The median mortgage application in St. Lucie County in 2025 was for $275,000; the median property value on originated loans was $405,000.