3 mortgage lenders are based in Winter Haven, FL, listed below with the total mortgage applications each has reported under the Home Mortgage Disclosure Act since 2003. Just below are the lenders that made the most home loans in Polk County, FL in 2025.
In 2025, 558 lenders made 20,119 home loans worth $5.5 billion in Polk County, according to Home Mortgage Disclosure Act (HMDA) data. These 10 made the most. The figures cover all of Polk County, which includes Winter Haven.
| # | Lender | Loans made | Loan volume | Avg. loan | Share of loans |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 1,980 | $575.0M | $290,000 | 9.8% |
| 2 | Midflorida Credit Union Lakeland, FL | 1,160 | $184.1M | $159,000 | 5.8% |
| 3 | DHI Mortgage Company, Ltd. Austin, TX | 919 | $275.7M | $300,000 | 4.6% |
| 4 | Lennar Mortgage, LLC Miami, FL | 857 | $260.0M | $303,000 | 4.3% |
| 5 | loanDepot.com LLC Irvine, CA | 665 | $176.1M | $265,000 | 3.3% |
| 6 | Crosscountry Mortgage, LLC Cleveland, OH | 430 | $118.4M | $275,000 | 2.1% |
| 7 | PennyMac Loan Services LLC Westlake Village, CA | 340 | $84.3M | $248,000 | 1.7% |
| 8 | Southstate Bank, National Association Winter Haven, FL | 323 | $63.8M | $197,000 | 1.6% |
| 9 | Freedom Mortgage Corporation Boca Raton, FL | 305 | $90.2M | $296,000 | 1.5% |
| 10 | Vanderbilt Mortgage and Finance, Inc Maryville, TN | 277 | $82.8M | $299,000 | 1.4% |
See every lender in Polk County and its 2025 mortgage data · top lenders in Florida · the top 100 lenders nationwide
| Mortgage Company | Phone Number | Mortgage Application Count | Mortgage Application Amount |
|---|---|---|---|
| Centerstate Bank
1101 FIRST STREET SOUTH WINTER HAVEN, FL 33880 |
* | 508 | $35,435,000 |
| Centerstate Bank, National Association
1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | 17,259 | $2,376,259,000 |
| Southstate Bank, National Association
1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | 137,109 | $41,543,375,000 |
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