Home purchase lenders in Polk County
13,748 home purchase mortgages were made in Polk County, Florida, in 2025, by 524 lenders. The median rate their borrowers got was 6.250% on a median loan of $285,000. Of 18,043 decisions, 3,806 were denials — 21.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,469 | 6.490% | $275,000 | 13.7% |
| DHI MORTGAGE COMPANY, LTD. | 919 | 4.990% | $305,000 | 25.1% |
| LENNAR MORTGAGE, LLC | 857 | 4.625% | $295,000 | 31.5% |
| Loandepot.Com, LLC | 535 | 4.990% | $305,000 | 29.3% |
| Rocket Mortgage, LLC | 414 | 6.490% | $275,000 | 14.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 354 | 6.575% | $285,000 | 7.3% |
| MIDFLORIDA | 303 | 6.375% | $275,000 | 29.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 275 | 4.990% | $315,000 | 20.2% |
| KBHS HOME LOANS, LLC | 206 | 5.875% | $305,000 | 20.8% |
| Plains Commerce Bank | 205 | 6.250% | $255,000 | 12.0% |
| TRAILBLAZER MORTGAGE L.L.C. | 203 | 3.990% | $295,000 | 6.9% |
| Mortgage Research Center, LLC | 202 | 6.250% | $295,000 | 13.3% |
| SouthState Bank, National Association | 197 | 6.725% | $245,000 | 24.3% |
| GUARANTEED RATE, INC. | 193 | 5.625% | $315,000 | 11.4% |
| FBC MORTGAGE, LLC | 193 | 5.875% | $305,000 | 6.2% |
| Broker Solutions, Inc. | 185 | 6.500% | $285,000 | 8.4% |
| Taylor Morrison Home Funding, Inc. | 180 | 5.000% | $300,000 | 49.0% |
| PULTE MORTGAGE LLC | 164 | 4.990% | $365,000 | 34.3% |
| NVR Mortgage Finance, Inc. | 155 | 5.875% | $295,000 | 28.2% |
| HOMEAMERICAN MORTGAGE CORPORATION | 143 | 4.750% | $335,000 | 17.9% |
| NFM, INC. | 143 | 4.990% | $375,000 | 5.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 139 | 4.990% | $295,000 | 16.1% |
| CMG MORTGAGE, INC. | 134 | 5.990% | $300,000 | 12.7% |
| A&D Mortgage LLC | 132 | 6.875% | $225,000 | 12.3% |
| First Heritage Mortgage, LLC | 129 | 4.990% | $305,000 | 14.4% |
| LOWER, LLC | 127 | 6.375% | $265,000 | 9.3% |
| EVERETT FINANCIAL, INC. | 123 | 6.625% | $245,000 | 9.9% |
| PENNYMAC LOAN SERVICES, LLC | 120 | 6.499% | $285,000 | 14.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 119 | 6.625% | $305,000 | 5.6% |
| Paramount Residential Mortgage Group, Inc. | 118 | 6.625% | $315,000 | 7.8% |
| NEWREZ LLC | 113 | 6.500% | $255,000 | 18.7% |
| Cornerstone First Mortgage, Inc | 112 | 6.750% | $235,000 | 2.6% |
| FREEDOM MORTGAGE CORPORATION | 102 | 6.250% | $295,000 | 16.9% |
| MOVEMENT MORTGAGE, LLC | 100 | 6.625% | $275,000 | 7.4% |
| GUILD MORTGAGE COMPANY | 100 | 6.375% | $240,000 | 5.0% |
| Equity Prime Mortgage LLC | 99 | 6.500% | $245,000 | 10.7% |
| 21st Mortgage Corporation | 96 | 10.255% | $100,000 | 72.4% |
| RMC HOME MORTGAGE, LLC | 93 | 5.875% | $295,000 | 4.1% |
| Kiavi Funding, Inc. | 87 | 10.490% | $195,000 | 4.0% |
| KIND LENDING, LLC | 84 | 6.625% | $265,000 | 35.6% |
| JPMorgan Chase Bank, National Association | 84 | 6.375% | $270,000 | 13.1% |
| UNION HOME MORTGAGE CORP. | 84 | 6.500% | $250,000 | 9.5% |
| Navy Federal Credit Union | 82 | 6.000% | $305,000 | 11.7% |
| AMWEST FUNDING CORP. | 80 | 6.875% | $195,000 | 7.0% |
| Click n' Close, Inc. | 77 | 7.250% | $235,000 | 14.4% |
| ZILLOW HOME LOANS, LLC | 76 | 6.500% | $255,000 | 9.5% |
| THE MORTGAGE FIRM, INC. | 75 | 6.750% | $275,000 | 3.5% |
| Citizens Bank and Trust | 75 | Not published | $215,000 | 7.0% |
| Fairway Independent Mortgage Corporation | 73 | 6.625% | $235,000 | 7.5% |
| CHAMPIONS FUNDING, LLC | 69 | 7.500% | $225,000 | 20.7% |
| TRIAD FINANCIAL SERVICES, INC. | 68 | 8.700% | $75,000 | 57.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 64 | 7.125% | $265,000 | 12.2% |
| M/I FINANCIAL, LLC | 64 | 5.813% | $410,000 | 1.3% |
| ALKAN MORTGAGE CORPORATION | 62 | 6.625% | $245,000 | 9.6% |
| INSPIRE HOME LOANS INC. | 61 | 4.875% | $285,000 | 37.4% |
| COASTAL LOANS, LLC | 61 | 4.990% | $305,000 | 14.1% |
| JMAC LENDING, INC. | 60 | 6.250% | $275,000 | 3.2% |
| THE LOAN STORE, INC. | 59 | 6.875% | $275,000 | 4.2% |
| GARDNER FINANCIAL SERVICES, LTD. | 59 | 6.750% | $285,000 | 4.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 57 | 6.500% | $235,000 | 5.0% |
| OCMBC, INC. | 55 | 6.999% | $245,000 | 23.1% |
| Suncoast Credit Union | 51 | 5.500% | $275,000 | 16.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 50 | 6.500% | $230,000 | 10.0% |
| STOCKTON MORTGAGE CORPORATION | 45 | 6.625% | $255,000 | 2.1% |
| 254900O723MCLR701H50 | 44 | 0.000% | $15,000 | 61.2% |
| STG MORTGAGE INC | 44 | 6.250% | $315,000 | 12.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 44 | 6.875% | $255,000 | 8.3% |
| HOMEXPRESS MORTGAGE CORP. | 43 | 7.500% | $245,000 | 32.3% |
| Hometown Equity Mortgage, LLC | 42 | 7.500% | $255,000 | 39.1% |
| PLAZA HOME MORTGAGE, INC. | 42 | 6.995% | $215,000 | 25.0% |
| American Liberty Mortgage, Incorporated | 42 | 6.375% | $230,000 | 4.4% |
| PFN Lending Group, Inc. | 42 | 5.875% | $325,000 | 2.3% |
| Bank of America, National Association | 40 | 6.240% | $275,000 | 41.4% |
| JET HOMELOANS, LP | 35 | 4.990% | $295,000 | 5.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 34 | 6.058% | $280,000 | 5.4% |
| PARK SQUARE HOME MORTGAGE, LLC | 34 | 4.990% | $315,000 | 12.8% |
| Wells Fargo Bank, National Association | 33 | 6.500% | $195,000 | 26.7% |
| Truist Bank | 32 | 6.400% | $270,000 | 29.2% |
| Banco do Brasil Americas | 32 | 6.750% | $295,000 | 13.5% |
| Commerce Home Mortgage, Inc. | 31 | 7.375% | $225,000 | 18.4% |
| Waterstone Mortgage Corporation | 30 | 6.500% | $265,000 | 9.1% |
| GUARANTEED RATE AFFINITY, LLC | 29 | 6.250% | $235,000 | 17.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 29 | 6.990% | $225,000 | 6.3% |
| GENEVA FINANCIAL, LLC | 28 | 7.125% | $245,000 | 9.7% |
| DEEPHAVEN MORTGAGE LLC | 27 | 7.125% | $225,000 | 27.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 27 | 6.125% | $275,000 | 6.7% |
| RESICENTRAL, LLC | 24 | 6.250% | $290,000 | 7.4% |
| City Lending Inc. | 24 | 6.688% | $275,000 | 11.1% |
| GTE Federal Credit Union | 23 | 6.500% | $245,000 | 30.3% |
| Citadel Servicing Corporation | 23 | 8.125% | $265,000 | 6.1% |
| Reliable Holdings Manager dba Lendz Financial | 23 | 7.750% | $215,000 | 11.5% |
| Regions Bank | 23 | 6.750% | $255,000 | 10.3% |
| MORTGAGE EQUITY PARTNERS LLC | 23 | 6.750% | $255,000 | 0.0% |
| Bank of Central Florida | 23 | Not published | $285,000 | 3.7% |
| GEO-CORP, INC. | 22 | 6.875% | $305,000 | 12.0% |
| PARTNERS Federal Credit Union | 21 | 5.750% | $285,000 | 8.7% |
| GENWAY HOME MORTGAGE, INC. | 19 | 7.500% | $205,000 | 42.4% |
| SOUTHWEST STAGE FUNDING, LLC | 18 | 6.375% | $250,000 | 20.6% |
| USAA Federal Savings Bank | 18 | 6.188% | $290,000 | 18.2% |
| 254900CTT87ZKAUTIJ37 | 18 | 9.188% | $270,000 | 13.6% |
| Ixonia Bank | 18 | 7.188% | $220,000 | 5.3% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.750% | $280,000 | 10.0% |
| CALCON MUTUAL MORTGAGE LLC | 17 | 6.500% | $245,000 | 15.0% |
| GERSHMAN INVESTMENT CORP. | 17 | 6.250% | $285,000 | 5.6% |
| T2 FINANCIAL LLC | 17 | 6.500% | $265,000 | 14.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 17 | 6.625% | $315,000 | 4.8% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 17 | 6.750% | $235,000 | 0.0% |
| POINT MORTGAGE CORPORATION | 17 | 6.750% | $275,000 | 5.6% |
| EMM LOANS LLC | 17 | 5.990% | $295,000 | 10.5% |
| PREFERRED LENDING SERVICES, LLC | 16 | 6.438% | $245,000 | 15.8% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 15 | 8.400% | $65,000 | 45.5% |
| BETTER MORTGAGE CORPORATION | 15 | 6.375% | $265,000 | 37.5% |
| Fifth Third Bank, National Association | 15 | 6.750% | $275,000 | 34.8% |
| CLIFFCO, INC. | 15 | 6.750% | $275,000 | 6.3% |
| Luminate Bank | 15 | 6.625% | $225,000 | 0.0% |
| PLANET HOME LENDING, LLC | 14 | 6.750% | $285,000 | 40.0% |
| AMERITRUST MORTGAGE CORPORATION | 14 | 6.750% | $310,000 | 12.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 14 | 6.500% | $295,000 | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 14 | 7.750% | $290,000 | 12.5% |
| Crews Bank & Trust | 14 | Not published | $165,000 | 6.7% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 14 | 8.250% | $245,000 | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 13 | 6.125% | $205,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 13 | 7.875% | $285,000 | 6.3% |
| 2549005FUF02T1IFCA22 | 13 | 7.250% | $195,000 | 0.0% |
| PREMIER LENDING, INC. | 13 | 6.750% | $195,000 | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 12 | 6.808% | $205,000 | 20.0% |
| Flagstar Bank, N.A. | 12 | 6.625% | $285,000 | 31.6% |
| SWBC MORTGAGE CORPORATION | 12 | 6.813% | $295,000 | 0.0% |
| Loan Funder LLC | 11 | 9.750% | $185,000 | 15.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 6.249% | $235,000 | 35.0% |
| U.S. Bank National Association | 11 | 6.375% | $235,000 | 38.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 11 | 6.375% | $365,000 | 26.7% |
| MY MORTGAGE, INC. | 11 | 6.625% | $305,000 | 20.0% |
| CLEAREDGE LENDING LLC | 11 | 7.125% | $215,000 | 15.4% |
| VAN DYK MORTGAGE CORPORATION | 11 | 6.500% | $265,000 | 8.3% |
| CHURCHILL MORTGAGE CORPORATION | 11 | 6.375% | $235,000 | 7.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 11 | 6.500% | $335,000 | 8.3% |
| Tomo Mortgage, LLC | 10 | 6.625% | $320,000 | 9.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 6.250% | $250,000 | 44.4% |
| LEADERONE FINANCIAL CORPORATION | 10 | 6.375% | $240,000 | 16.7% |
| EMBRACE HOME LOANS, INC. | 10 | 6.750% | $240,000 | 14.3% |
| PNC Bank, National Association | 10 | 6.563% | $355,000 | 28.6% |
| Mid-Continent Funding, Inc. | 10 | 6.870% | $260,000 | 7.7% |
| Filo Mortgage, L.L.C. | 10 | 6.625% | $235,000 | 9.1% |
| Prime Meridian Bank | 10 | Not published | $255,000 | 9.1% |
| TD Bank, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| City National Bank of Florida | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NQM FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LAKE MICHIGAN CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Publix Employees Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 18.8% |
| MICHIGAN MUTUAL, INC. | 8 | Under 10 loans | Under 10 loans | 31.3% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| 2549005Z23HAAZ6QDM98 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NORTHPOINT MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Helm Bank USA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Midwest Mortgage Associates Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Loan Simple, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Home Mortgage Alliance Corporation (HMAC) | 7 | Under 10 loans | Under 10 loans | 27.3% |
| NORWICH COMMERCIAL GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| METROPLEX MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| BoxCar Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Ameris Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Mortgage Right | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SPACE COAST CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| KEYSTONE FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 10.0% |
| FAIRWINDS CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Terrabank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWAY FUNDING GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 61.5% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 28.6% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| FlexPoint, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NextMortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 324 lenders each made 5 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.