Largest lenders in Polk County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 108 | 26 | 30.6% | 6.25% |
| 2 | Rocket Mortgage | C | 90 | 65 | 18.9% | 6.50% |
| 3 | Family Savings Credit Union | B | 78 | 59 | 15.4% | 8.00% |
| 4 | Fairway Independent Mortgage | B | 71 | 47 | 1.4% | 6.75% |
| 5 | United Shore Financial Services | B | 69 | 46 | 11.6% | 6.12% |
| 6 | Regions Bank | C | 52 | 17 | 50.0% | 6.75% |
| 7 | Pennymac Loan Services | C | 42 | 17 | 9.5% | 9.25% |
| 8 | Member First Mortgage | D | 40 | 23 | 12.5% | 6.38% |
| 9 | American Pacific Mortgage | C | 37 | 28 | 5.4% | 6.25% |
| 10 | Truist Bank | C | 36 | 16 | 44.4% | 7.10% |
| 11 | Crosscountry Mortgage | B | 31 | 15 | 6.5% | 6.58% |
| 12 | Kind Lending | C | 30 | 23 | 16.7% | 6.25% |
| 13 | Mortgage Research Center | C | 30 | 13 | 13.3% | 6.63% |
| 14 | Freedom Mortgage | B | 27 | 8 | 14.8% | 6.25% |
| 15 | Navy Federal Credit Union | D | 27 | 8 | 40.7% | 8.10% |
| 16 | AmeriSave Mortgage | D | 25 | 9 | 56.0% | 7.88% |
| 17 | Loandepot.Com | D | 24 | 16 | 8.3% | 6.93% |
| 18 | Broker Solutions | D | 23 | 6 | 13.0% | 7.53% |
| 19 | United Community Bank | B | 22 | 15 | 22.7% | 6.50% |
| 20 | Guild Mortgage | A | 21 | 10 | 0.0% | 6.13% |
| 21 | Carrington Mortgage Services | D | 20 | 8 | 45.0% | 6.63% |
| 22 | FirstBank | C | 18 | 7 | 33.3% | 8.00% |
| 23 | Swbc Mortgage | A | 18 | 17 | 0.0% | 6.38% |
| 24 | Union Home Mortgage | B | 17 | 12 | 5.9% | 6.63% |
| 25 | Newrez | D | 17 | 5 | 23.5% | 8.63% |
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 | Fairway Independent Mortgage | 51 | 2.0% |
| 2 | United Shore Financial Services | 55 | 14.6% |
| 3 | Family Savings Credit Union | 77 | 15.6% |
| 4 | Rocket Mortgage | 82 | 20.7% |
| 5 | Vanderbilt Mortgage and Finance | 62 | 53.2% |
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 | 1,380 | 751 | 21.2% | 6.99% | $155,000 |
| 2024 | 1,495 | 791 | 21.2% | 6.88% | $175,000 |
| 2025 | 1,597 | 838 | 19.7% | 6.63% | $185,000 |
Frequently asked questions
19.7% of applications in Polk County were denied in 2025, against 19.2% statewide in Georgia.
Vanderbilt Mortgage and Finance, with 108 applications in 2025 and a denial rate of 30.6%.
The median mortgage application in Polk County in 2025 was for $185,000; the median property value on originated loans was $285,000.