Refinancing lenders in Polk County
1,803 refinancing mortgages were made in Polk County, Florida, in 2025, by 313 lenders. The median rate their borrowers got was 6.125% on a median loan of $265,000. Of 3,021 decisions, 980 were denials — 32.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 254 | 5.627% | $335,000 | 29.4% |
| MIDFLORIDA | 204 | 6.490% | $95,000 | 30.7% |
| Rocket Mortgage, LLC | 180 | 5.990% | $290,000 | 25.4% |
| FREEDOM MORTGAGE CORPORATION | 111 | 6.250% | $295,000 | 10.3% |
| PENNYMAC LOAN SERVICES, LLC | 91 | 5.990% | $315,000 | 13.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 63 | 5.750% | $345,000 | 15.9% |
| SouthState Bank, National Association | 39 | 7.500% | $105,000 | 27.8% |
| PLANET HOME LENDING, LLC | 36 | 5.875% | $295,000 | 22.0% |
| Citizens Bank and Trust | 34 | Not published | $175,000 | 12.2% |
| Truist Bank | 33 | 6.950% | $105,000 | 53.6% |
| Kiavi Funding, Inc. | 30 | 7.375% | $170,000 | 8.8% |
| LAKEVIEW LOAN SERVICING, LLC | 29 | 6.490% | $345,000 | 61.0% |
| Mortgage Research Center, LLC | 29 | 5.875% | $335,000 | 71.6% |
| NEWREZ LLC | 25 | 6.125% | $355,000 | 54.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 19 | 6.188% | $265,000 | 5.0% |
| NATIONSTAR MORTGAGE LLC | 19 | 6.125% | $265,000 | 16.7% |
| Regions Bank | 18 | 6.625% | $80,000 | 48.8% |
| Suncoast Credit Union | 18 | 7.500% | $95,000 | 33.3% |
| LoanUnited.com, LLC | 17 | 5.990% | $285,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.375% | $295,000 | 22.7% |
| Bank of America, National Association | 13 | 6.490% | $105,000 | 61.1% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.990% | $125,000 | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.375% | $235,000 | 39.1% |
| UNION HOME MORTGAGE CORP. | 12 | 6.058% | $255,000 | 7.1% |
| Discover Bank | 11 | 7.850% | $105,000 | 66.7% |
| A&D Mortgage LLC | 11 | 6.875% | $245,000 | 26.7% |
| Fifth Third Bank, National Association | 11 | 7.650% | $105,000 | 42.1% |
| JPMorgan Chase Bank, National Association | 11 | 6.125% | $205,000 | 14.3% |
| ROYAL UNITED MORTGAGE LLC | 11 | 6.625% | $155,000 | 20.0% |
| PHH Mortgage Corporation | 10 | 5.933% | $265,000 | 15.4% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 43.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 51.8% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LONGBRIDGE FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| FLORIDA CENTRAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GTE Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| MISSION LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PARTNERS Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FBC MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TrustCo Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 58.3% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 11.1% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| INTELLILOAN, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 28.6% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 75.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 12.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| American Liberty Mortgage, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 20.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| THE MORTGAGE FIRM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Southern Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Terrabank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Central Florida | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 28.6% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 80.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VYSTAR CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Seacoast National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BRADESCO BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RMC HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leaders Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Helm Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493000IRWB5WYTD2P48 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLICE & FIRE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INSTAMORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| METROPLEX MORTGAGE SERVICES, INC. | 1 | 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 113 lenders each made 1 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.