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refinance lenders · HMDA 2023–2025

Refinance lenders in Polk County, Florida

Fat Boy Data analyzed mortgage refinance activity in Polk County, Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,797 applications were decided by 289 lenders between 2023 and 2025.

Polk County at a glance

289Active lenders41 with 20+ decisions
65.6%Market approval rate3,802 of 5,797 decided
$285KTypical loanmedian lender, $10K brackets
89%Borrower take-up3,379 loans funded

How Polk County compares

Approval rate compared
Polk County65.6%Florida66.8%All 616 counties76.5%
Typical loan compared
Polk County$285KFlorida$315KAll 616 counties$295K

What the data shows

Midflorida made the most mortgage refinances in Polk County, FL, 526 of them.

Crosscountry Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 95% of 42.

Approval rate of all 41 lenders with 20+ decisions here
0%25%50%75%100%American Financing Corporation: 4% approved of 25Discover Bank: 25% approved of 163Carrington Mortgage Services, LLC: 34% approved of 47Spring Eq, LLC: 37% approved of 35Mortgage Research Center, LLC: 38% approved of 181Navy Federal Credit Union: 39% approved of 28Lakeview Loan Servicing, LLC: 43% approved of 277Newrez LLC: 45% approved of 104Loandepot.Com, LLC: 45% approved of 33Bank of America, National Association: 47% approved of 106Truist Bank: 49% approved of 173Third Federal Savings And Loan Association Of Cleveland: 50% approved of 48GTE Federal Credit Union: 51% approved of 73Milend, Inc.: 52% approved of 29Regions Bank: 59% approved of 86TD Bank, National Association: 60% approved of 20Fifth Third Bank, National Association: 62% approved of 39Onity Mortgage Corporation: 62% approved of 29Midflorida: 63% approved of 846New American Funding, LLC: 64% approved of 22PNC Bank, National Association: 64% approved of 39Suncoast Credit Union: 67% approved of 43Royal United Mortgage LLC: 68% approved of 56Wells Fargo Bank, National Association: 68% approved of 50Mutual of Omaha Mortgage, Inc.: 69% approved of 61SouthState Bank, National Association: 69% approved of 135Amerihome Mortgage Company, LLC: 70% approved of 27Rocket Mortgage, LLC: 73% approved of 383New Day Financial, LLC: 76% approved of 21United Wholesale Mortgage, LLC: 76% approved of 640Longbridge Financial, LLC: 77% approved of 26Planet Home Lending, LLC: 79% approved of 68Nationstar Mortgage LLC: 80% approved of 40Finance of America Reverse LLC: 81% approved of 48Citizens Bank and Trust: 82% approved of 87Pennymac Loan Services, LLC: 84% approved of 171Village Capital & Investment LLC: 85% approved of 223JPMorgan Chase Bank, National Association: 85% approved of 27Freedom Mortgage Corporation: 89% approved of 304Crosscountry Mortgage, LLC: 95% approved of 42Lakeview Community Capital, LLC: 95% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Polk County

LenderApprovalApprovedTaken upTypical loanLoans made
1Midflorida63%537 / 84698%$75K526
2United Wholesale Mortgage, LLCBroker only76%488 / 64091%$335K444
3Rocket Mortgage, LLC73%280 / 38394%$285K263
4Freedom Mortgage Corporation89%270 / 30480%$315K215
5Lakeview Loan Servicing, LLC43%118 / 27742%$345K50

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 284 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Polk County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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