Mortgage lending in Polk County, Florida
Lenders in Polk County, Florida reported 38,263 mortgage applications for 2025, according to the CFPB.
38,263 mortgage applications and 20,119 loans originated in 2025; the denial rate was 29.4% of 30,230 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lakeland-Winter Haven, FL MSA.
- 38,263
- Applications
- 20,119
- Loans originated
- 29.4%
- Denial rate
- 8,879 denied of 30,230 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 38,263 | 20,119 |
| 2024 | 39,702 | 20,937 |
| 2023 | 39,744 | 20,668 |
| 2022 | 50,796 | 26,290 |
| 2021 | 63,701 | 36,436 |
| 2020 | 53,497 | 30,658 |
| 2019 | 38,610 | 22,012 |
| 2018 | 32,584 | 18,136 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 1,980 | 2,895 |
| Rocket Mortgage | 1,181 | 1,692 |
| Midflorida Credit Union | 1,160 | 2,448 |
| DHI Mortgage Company, LTD. | 919 | 1,447 |
| Lennar Mortgage, LLC | 857 | 1,326 |
| loanDepot.com LLC | 665 | 1,100 |
| Crosscountry Mortgage, LLC | 430 | 678 |
| Pennymac Loan Services LLC | 340 | 782 |
| Southstate Bank, National Association | 323 | 534 |
| Freedom Mortgage Corporation | 305 | 722 |
| Vanderbilt Mortgage and Finance, Inc | 277 | 474 |
| Mortgage Research Center | 242 | 637 |
| New American Funding, LLC. | 224 | 567 |
| Plains Commerce Bank | 214 | 334 |
| Suncoast Credit Union | 214 | 360 |
| Guaranteed Rate, Inc. | 211 | 387 |
| KBHS Home Loans, LLC | 206 | 338 |
| Newrez LLC | 205 | 701 |
| Trailblazer Mortgage L.L.C. | 203 | 313 |
| Acrisure Mortgage, LLC | 199 | 264 |
| Navy Federal Credit Union | 198 | 474 |
| Taylor Morrison Home Funding, Inc. | 180 | 395 |
| Pulte Mortgage LLC | 164 | 282 |
| A&d Mortgage LLC | 163 | 255 |
| NVR Mortgage Finance, Inc. | 155 | 225 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 310 | 40.0% of 265 decided |
| Asian | 1,025 | 27.5% of 793 decided |
| Black or African American | 4,435 | 34.6% of 3,515 decided |
| Native Hawaiian or Other Pacific Islander | 120 | 40.4% of 99 decided |
| White | 23,002 | 27.3% of 18,368 decided |
| 2 or more minority races | 132 | 40.2% of 107 decided |
| Joint | 734 | 25.0% of 575 decided |
| Free Form Text Only | 10 | no rate: base under 50 |
| Race Not Available | 8,495 | 32.3% of 6,500 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 12,081 | 31.2% of 9,789 decided |
| Not Hispanic or Latino | 18,778 | 27.8% of 14,856 decided |
| Joint | 1,189 | 26.7% of 972 decided |
| Ethnicity Not Available | 6,196 | 31.2% of 4,599 decided |
| Free Form Text Only | 19 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 13,514 | 31.1% of 10,668 decided |
| Female | 8,986 | 32.7% of 7,162 decided |
| Joint | 12,352 | 24.8% of 9,982 decided |
| Sex Not Available | 3,411 | 30.8% of 2,418 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 467 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved