Mortgage Lender Index

Mortgage lenders in Polk County

20,118 mortgages were made in Polk County, Florida, in 2025, by 651 lenders. The median rate their borrowers got was 6.375% on a median loan of $265,000. Of 30,229 decisions, 8,879 were denials — 29.4%, most often for debt-to-income ratio.

LenderMortgages madeMedian rateMedian loanDenied
UNITED SHORE FINANCIAL SERVICES, LLC 1,980 6.250% $275,000 19.3%
Rocket Mortgage, LLC 1,181 6.625% $205,000 21.3%
MIDFLORIDA 1,160 6.490% $95,000 43.1%
DHI MORTGAGE COMPANY, LTD. 919 4.990% $305,000 25.1%
LENNAR MORTGAGE, LLC 857 4.625% $295,000 31.5%
Loandepot.Com, LLC 665 5.375% $295,000 30.5%
CROSSCOUNTRY MORTGAGE, INC. 430 6.575% $265,000 8.6%
PENNYMAC LOAN SERVICES, LLC 340 6.375% $265,000 21.9%
SouthState Bank, National Association 323 7.000% $155,000 29.4%
FREEDOM MORTGAGE CORPORATION 305 6.250% $285,000 19.4%
VANDERBILT MORTGAGE AND FINANCE, INC. 277 4.990% $315,000 20.1%
Mortgage Research Center, LLC 242 6.250% $295,000 40.2%
Broker Solutions, Inc. 224 6.625% $275,000 19.1%
Suncoast Credit Union 214 7.250% $85,000 31.3%
Plains Commerce Bank 214 6.250% $255,000 13.4%
GUARANTEED RATE, INC. 211 5.875% $315,000 15.2%
KBHS HOME LOANS, LLC 206 5.875% $305,000 20.8%
NEWREZ LLC 205 6.625% $235,000 44.1%
TRAILBLAZER MORTGAGE L.L.C. 203 3.990% $295,000 6.9%
FBC MORTGAGE, LLC 199 5.875% $305,000 6.5%
Navy Federal Credit Union 198 7.650% $145,000 35.6%
Taylor Morrison Home Funding, Inc. 180 5.000% $300,000 49.0%
PULTE MORTGAGE LLC 164 4.990% $365,000 34.3%
A&D Mortgage LLC 163 6.990% $225,000 13.9%
NVR Mortgage Finance, Inc. 155 5.875% $295,000 28.2%
Truist Bank 150 7.095% $105,000 57.3%
CMG MORTGAGE, INC. 150 6.000% $295,000 12.2%
NFM, INC. 147 4.990% $375,000 5.8%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 146 5.125% $295,000 16.2%
LOWER, LLC 143 6.490% $265,000 12.8%
HOMEAMERICAN MORTGAGE CORPORATION 143 4.750% $335,000 17.9%
Citizens Bank and Trust 137 Not published $155,000 12.9%
JPMorgan Chase Bank, National Association 133 6.490% $235,000 19.2%
EVERETT FINANCIAL, INC. 132 6.750% $245,000 12.7%
Paramount Residential Mortgage Group, Inc. 129 6.625% $305,000 7.2%
First Heritage Mortgage, LLC 129 4.990% $305,000 14.4%
Equity Prime Mortgage LLC 126 6.500% $255,000 13.6%
NATIONSTAR MORTGAGE LLC 126 6.990% $135,000 20.4%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 125 6.625% $305,000 5.3%
MOVEMENT MORTGAGE, LLC 123 6.625% $265,000 7.1%
Kiavi Funding, Inc. 117 9.700% $195,000 5.3%
Cornerstone First Mortgage, Inc 113 6.750% $235,000 2.6%
THE LOAN STORE, INC. 111 7.300% $225,000 13.6%
Bank of America, National Association 109 6.490% $115,000 69.4%
GUILD MORTGAGE COMPANY 109 6.375% $225,000 9.3%
UNION HOME MORTGAGE CORP. 108 6.500% $235,000 10.5%
KIND LENDING, LLC 103 6.625% $265,000 35.8%
Coastal Community Bank 99 10.240% $45,000 4.5%
CHAMPIONS FUNDING, LLC 99 7.500% $225,000 23.3%
21st Mortgage Corporation 98 10.200% $100,000 73.0%
Regions Bank 97 5.750% $105,000 49.6%
AMWEST FUNDING CORP. 95 6.875% $195,000 8.6%
RMC HOME MORTGAGE, LLC 94 5.933% $295,000 4.1%
OCMBC, INC. 80 7.125% $225,000 21.8%
Fairway Independent Mortgage Corporation 80 6.625% $240,000 6.8%
THE MORTGAGE FIRM, INC. 80 6.625% $285,000 3.3%
CARRINGTON MORTGAGE SERVICES, LLC 78 6.625% $195,000 58.2%
Click n' Close, Inc. 77 7.250% $235,000 14.4%
SPRING EQ, LLC 76 9.825% $65,000 69.9%
FIGURE LENDING LLC 76 8.775% $55,000 31.7%
ZILLOW HOME LOANS, LLC 76 6.500% $255,000 9.5%
LAKEVIEW LOAN SERVICING, LLC 73 6.625% $235,000 63.3%
AMERICAN FINANCIAL NETWORK, INC. 72 7.125% $265,000 16.9%
AmeriSave Mortgage Corporation 71 7.375% $95,000 74.4%
PARTNERS Federal Credit Union 71 7.250% $105,000 53.9%
TRIAD FINANCIAL SERVICES, INC. 68 8.700% $75,000 57.8%
ALKAN MORTGAGE CORPORATION 66 6.625% $235,000 10.3%
VILLAGE CAPITAL & INVESTMENT LLC 65 5.750% $345,000 36.4%
AMERICAN FINANCIAL RESOURCES, INC. 65 6.500% $235,000 4.4%
GARDNER FINANCIAL SERVICES, LTD. 65 6.750% $285,000 4.2%
Wells Fargo Bank, National Association 64 6.500% $175,000 30.4%
JMAC LENDING, INC. 64 6.250% $275,000 4.5%
M/I FINANCIAL, LLC 64 5.813% $410,000 1.3%
HOMEXPRESS MORTGAGE CORP. 63 7.250% $235,000 44.8%
Fifth Third Bank, National Association 62 7.990% $105,000 58.9%
INSPIRE HOME LOANS INC. 61 4.875% $285,000 37.4%
COASTAL LOANS, LLC 61 4.990% $305,000 14.1%
Hometown Equity Mortgage, LLC 57 7.375% $265,000 39.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. 55 10.600% $75,000 24.7%
PLANET HOME LENDING, LLC 54 5.990% $285,000 30.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 53 6.500% $235,000 9.1%
STOCKTON MORTGAGE CORPORATION 51 6.625% $255,000 5.5%
PLAZA HOME MORTGAGE, INC. 50 6.875% $215,000 34.2%
American Liberty Mortgage, Incorporated 50 6.250% $230,000 7.1%
GTE Federal Credit Union 49 6.625% $145,000 41.9%
GoodLeap, LLC 49 6.750% $155,000 30.7%
DEEPHAVEN MORTGAGE LLC 49 7.125% $225,000 26.9%
AMERICAN PACIFIC MORTGAGE CORPORATION 48 6.875% $255,000 11.1%
Third Federal Savings and Loan Association of Cleveland 47 6.990% $105,000 49.5%
STG MORTGAGE INC 47 6.250% $305,000 11.3%
254900O723MCLR701H50 44 0.000% $15,000 66.9%
PFN Lending Group, Inc. 44 5.875% $325,000 2.2%
PNC Bank, National Association 42 7.620% $140,000 48.8%
NEW DAY FINANCIAL, LLC 38 6.813% $295,000 59.8%
MUTUAL OF OMAHA MORTGAGE, INC. 38 6.433% $185,000 42.3%
TD Bank, National Association 37 7.790% $105,000 51.9%
Citizens Bank, National Association 37 8.400% $105,000 50.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY 37 6.125% $285,000 9.5%
Commerce Home Mortgage, Inc. 36 7.375% $225,000 25.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC 36 7.187% $220,000 11.9%
PENTAGON FEDERAL CREDIT UNION 35 6.875% $145,000 47.8%
Citadel Servicing Corporation 35 7.999% $235,000 7.3%
JET HOMELOANS, LP 35 4.990% $295,000 5.4%
ARK-LA-TEX FINANCIAL SERVICES, LLC. 34 6.125% $280,000 7.9%
PARK SQUARE HOME MORTGAGE, LLC 34 4.990% $315,000 12.8%
U.S. Bank National Association 33 7.490% $155,000 66.0%
Waterstone Mortgage Corporation 33 6.500% $265,000 10.8%
Discover Bank 32 8.835% $65,000 84.4%
GUARANTEED RATE AFFINITY, LLC 32 6.325% $235,000 15.8%
Banco do Brasil Americas 32 6.750% $295,000 20.0%
GENEVA FINANCIAL, LLC 30 7.125% $245,000 9.1%
RESICENTRAL, LLC 30 6.188% $260,000 6.1%
Bank of Central Florida 30 Not published $285,000 8.3%
SUN WEST MORTGAGE COMPANY, INC. 28 6.188% $300,000 29.8%
Reliable Holdings Manager dba Lendz Financial 27 7.750% $205,000 10.0%
SOFI BANK, NATIONAL ASSOCIATION 26 7.145% $100,000 31.6%
USAA Federal Savings Bank 26 6.000% $265,000 22.9%
Lendage, LLC 24 11.125% $45,000 18.2%
City Lending Inc. 24 6.688% $275,000 11.1%
BETTER MORTGAGE CORPORATION 23 6.990% $205,000 56.6%
GENWAY HOME MORTGAGE, INC. 23 7.500% $155,000 41.0%
MORTGAGE EQUITY PARTNERS LLC 23 6.750% $255,000 0.0%
254900M2C4Q6DATP2889 22 5.990% $225,000 42.1%
AMERIHOME MORTGAGE COMPANY, LLC 22 6.438% $300,000 26.7%
GEO-CORP, INC. 22 6.875% $305,000 12.0%
LoanUnited.com, LLC 21 5.990% $285,000 0.0%
FAIRWINDS CREDIT UNION 21 7.050% $85,000 46.2%
Valon Mortgage, Inc. 21 7.750% $65,000 11.5%
Easy Street Capital, LLC 21 9.900% $175,000 0.0%
CALCON MUTUAL MORTGAGE LLC 20 6.500% $240,000 20.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC 20 7.688% $290,000 9.1%
Crews Bank & Trust 20 Not published $185,000 20.0%
PHH Mortgage Corporation 19 6.125% $225,000 22.2%
Flagstar Bank, N.A. 19 6.625% $275,000 37.5%
Ixonia Bank 19 7.250% $225,000 9.5%
254900CTT87ZKAUTIJ37 19 8.875% $255,000 16.7%
GERSHMAN INVESTMENT CORP. 19 6.500% $265,000 5.0%
EMM LOANS LLC 19 6.125% $295,000 9.5%
SOUTHWEST STAGE FUNDING, LLC 18 6.375% $250,000 20.6%
SPACE COAST CREDIT UNION 18 6.750% $125,000 47.5%
FINANCE OF AMERICA REVERSE LLC 18 6.313% $145,000 16.7%
PREFERRED LENDING SERVICES, LLC 18 6.500% $240,000 14.3%
ALL CREDIT CONSIDERED MORTGAGE, INC. 18 8.188% $245,000 0.0%
Luminate Bank 17 6.625% $225,000 15.0%
NATIONWIDE MORTGAGE BANKERS, INC. 17 6.750% $235,000 0.0%
T2 FINANCIAL LLC 17 6.500% $265,000 18.2%
FIRST COMMUNITY MORTGAGE, INC. 17 6.625% $315,000 4.8%
LENDSURE MORTGAGE CORP. 17 7.375% $285,000 4.8%
POINT MORTGAGE CORPORATION 17 6.750% $275,000 5.6%
TrustCo Bank 16 5.875% $85,000 66.0%
The Federal Savings Bank 16 6.375% $300,000 34.6%
AMERICAN HERITAGE LENDING, LLC 16 7.500% $285,000 0.0%
TOP FLITE FINANCIAL, INC. 16 6.813% $270,000 5.9%
CLIFFCO, INC. 16 6.688% $275,000 5.9%
CREDIT HUMAN FEDERAL CREDIT UNION 15 8.400% $65,000 45.5%
AMERITRUST MORTGAGE CORPORATION 15 6.750% $315,000 11.8%
LAKE MICHIGAN CREDIT UNION 15 6.740% $165,000 23.8%
2549005FUF02T1IFCA22 15 7.375% $195,000 6.3%
TEMPLE VIEW CAPITAL FUNDING, LP 15 7.125% $195,000 5.9%
AAA CAPITAL INVESTMENT, INC. 15 7.000% $255,000 0.0%
PREMIER LENDING, INC. 15 6.750% $195,000 0.0%
Publix Employees Federal Credit Union 14 6.410% $260,000 38.9%
VELOCITY COMMERCIAL CAPITAL, LLC 14 9.865% $155,000 0.0%
Mid-Continent Funding, Inc. 14 6.438% $285,000 5.0%
Sierra Pacific Mortgage Company, Inc. 14 6.563% $190,000 0.0%
Loan Funder LLC 13 9.250% $185,000 23.5%
SECURITYNATIONAL MORTGAGE COMPANY 13 6.625% $205,000 18.8%
Nations Lending Corporation 13 6.375% $245,000 13.6%
Logan Finance Corporation 13 7.749% $245,000 6.7%
PREMIER MORTGAGE RESOURCES, L.L.C. 13 6.125% $205,000 7.1%
Filo Mortgage, L.L.C. 13 6.625% $245,000 6.7%
LENDINGONE, LLC 12 6.970% $160,000 55.6%
PROVIDENT FUNDING ASSOCIATES, L.P. 12 6.375% $370,000 27.8%
CLEAREDGE LENDING LLC 12 7.062% $210,000 29.4%
MY MORTGAGE, INC. 12 6.688% $325,000 18.8%
LONGBRIDGE FINANCIAL, LLC 12 6.240% $140,000 7.1%
EMBRACE HOME LOANS, INC. 12 6.813% $200,000 12.5%
CHURCHILL MORTGAGE CORPORATION 12 6.438% $240,000 7.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. 12 6.500% $340,000 14.3%
Mortgage Lenders Investment Trading Corporation 12 7.250% $205,000 7.7%
SWBC MORTGAGE CORPORATION 12 6.813% $295,000 0.0%
VAN DYK MORTGAGE CORPORATION 11 6.500% $265,000 8.3%
ROYAL UNITED MORTGAGE LLC 11 6.625% $155,000 20.0%
FLORIDA CENTRAL CREDIT UNION 11 6.500% $105,000 8.3%
NEW WAVE LENDING GROUP INC 11 7.250% $265,000 0.0%
RELIANCE FIRST CAPITAL, LLC 11 6.625% $165,000 0.0%
Morgan Stanley Private Bank, National Association 11 6.000% $515,000 0.0%
Tomo Mortgage, LLC 10 6.625% $320,000 9.1%
LEADERONE FINANCIAL CORPORATION 10 6.375% $240,000 23.1%
Seacoast National Bank 10 8.375% $220,000 9.1%
ARC HOME LLC 10 7.250% $205,000 9.1%
BPL MORTGAGE TRUST, LLC 10 6.875% $250,000 23.1%
City National Bank of Florida 10 6.625% $255,000 0.0%
Barrington Bank & Trust Company, National Association 10 6.688% $225,000 0.0%
Prime Meridian Bank 10 Not published $255,000 9.1%
254900J2RKTTDJSUWD76 10 6.875% $315,000 0.0%
AMERICAN FINANCING CORPORATION 9 Under 10 loans Under 10 loans 69.2%
MISSION LOANS, LLC 9 Under 10 loans Under 10 loans 0.0%
Manufacturers and Traders Trust Company 9 Under 10 loans Under 10 loans 55.0%
Baxter Credit Union 9 Under 10 loans Under 10 loans 41.2%

Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 451 lenders each made 9 or fewer mortgages here, and are counted in the totals above.

Bank branches in Polk County

79 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.

BankBranches hereDeposits
Citizens Bank and Trust 13$1.3 billion
Truist Bank 12$1.7 billion
Wells Fargo Bank, National Association 12$1.5 billion
SouthState Bank, National Association 10$7.9 billion
Bank of America, National Association 6$1.3 billion
JPMorgan Chase Bank, National Association 5$633.1 million
Fifth Third Bank, National Association 4$212.9 million
Bank of Central Florida 3$1.0 billion
Regions Bank 3$241.3 million
TD Bank, National Association 2$246.6 million
Crews Bank & Trust 2$110.4 million
TrustCo Bank 2$39.9 million
Centennial Bank 2$29.9 million
Valley National Bank 1$68.5 million
Hancock Whitney Bank 1$60.6 million
Axiom Bank, National Association 1$46.6 million

Closed since the 2025 survey

1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.

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When the next year’s lending figures are out for Polk County, or a lender arrives or leaves.

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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.