Largest lenders in Polk County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 333 | 71 | 37.2% | 10.13% |
| 2 | Triad Financial Services | D | 137 | 15 | 50.4% | 8.57% |
| 3 | Vanderbilt Mortgage and Finance | F | 112 | 20 | 53.6% | 10.50% |
| 4 | Rocket Mortgage | C | 97 | 60 | 23.7% | 6.50% |
| 5 | United Shore Financial Services | B | 82 | 58 | 11.0% | 6.56% |
| 6 | Mortgage Research Center | C | 38 | 17 | 23.7% | 6.25% |
| 7 | Credit Human Federal Credit Union | D | 34 | 1 | 76.5% | 8.30% |
| 8 | Highlands Residential Mortgage | B | 30 | 24 | 3.3% | 6.99% |
| 9 | CMG Mortgage | A | 29 | 20 | 6.9% | 6.63% |
| 10 | FirstBank | C | 25 | 3 | 72.0% | 8.24% |
| 11 | Newrez | D | 25 | 8 | 12.0% | 6.19% |
| 12 | Freedom Mortgage | B | 22 | 12 | 4.6% | 6.25% |
| 13 | Broker Solutions | D | 22 | 6 | 4.6% | 6.69% |
| 14 | Eustis Mortgage | B | 22 | 14 | 0.0% | 6.93% |
| 15 | Countryplace Mortgage | F | 22 | 3 | 50.0% | 8.59% |
| 16 | Loandepot.Com | D | 20 | 5 | 20.0% | 6.88% |
| 17 | Pennymac Loan Services | C | 18 | 5 | 27.8% | 6.13% |
| 18 | Tammac Holdings | D | 18 | 0 | 83.3% | — |
| 19 | Bank of America | F | 16 | 4 | 43.8% | 6.63% |
| 20 | Fairway Independent Mortgage | B | 15 | 10 | 13.3% | 6.50% |
| 21 | Crosscountry Mortgage | B | 14 | 10 | 7.1% | 6.94% |
| 22 | Lakeview Loan Servicing | C | 14 | 4 | 57.1% | 6.37% |
| 23 | First Liberty Bank | D | 14 | 8 | 28.6% | — |
| 24 | Champions Funding | F | 13 | 7 | 38.5% | 7.63% |
| 25 | Hometown Equity Mortgage | C | 13 | 6 | 46.2% | 7.25% |
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 | United Shore Financial Services | 68 | 13.2% |
| 2 | Rocket Mortgage | 89 | 25.8% |
| 3 | Triad Financial Services | 137 | 50.4% |
| 4 | 21st Mortgage | 200 | 62.0% |
| 5 | Vanderbilt Mortgage and Finance | 84 | 71.4% |
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 | 1,445 | 540 | 33.6% | 7.13% | $135,000 |
| 2024 | 1,518 | 610 | 30.0% | 7.06% | $135,000 |
| 2025 | 1,782 | 678 | 30.1% | 6.99% | $145,000 |
Frequently asked questions
30.1% of applications in Polk County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 333 applications in 2025 and a denial rate of 37.2%.
The median mortgage application in Polk County in 2025 was for $145,000; the median property value on originated loans was $235,000.