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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in Polk County, Florida

Fat Boy Data analyzed investment property refinance activity in Polk County, Florida, home to Lakeland, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 649 applications were decided by 165 lenders between 2023 and 2025.

Polk County at a glance

165Active lenders5 with 20+ decisions
69.8%Market approval rate453 of 649 decided
$185KTypical loanmedian lender, $10K brackets
87%Borrower take-up392 loans funded

How Polk County compares

Approval rate compared
Polk County69.8%Florida68.0%All 616 counties77.7%
Typical loan compared
Polk County$185KFlorida$275KAll 616 counties$235K

What the data shows

Kiavi Funding, Inc. made the most investment property refinances in Polk County, FL, 79 of them.

Kiavi Funding, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 88% of 91.

The typical investment property refinance here is $185K, 33% smaller than the Florida typical of $275K.

Approval rate of all 5 lenders with 20+ decisions here
0%25%50%75%100%United Wholesale Mortgage, LLC: 49% approved of 49Rocket Mortgage, LLC: 56% approved of 25A&D Mortgage LLC: 86% approved of 22Kiavi Funding, Inc.: 88% approved of 91Dominion Financial Services, LLC: 100% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Investment property refinance lenders in Polk County

LenderApprovalApprovedTaken upTypical loanLoans made
1Kiavi Funding, Inc.88%80 / 9199%$175K79
2United Wholesale Mortgage, LLCBroker only49%24 / 49100%$255K24
3Rocket Mortgage, LLC56%14 / 25100%$155K14
4A&D Mortgage LLC86%19 / 2284%$245K16
5Dominion Financial Services, LLCBroker only100%21 / 2162%$185K13

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

Fat Boy found 160 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest investment property refinance lenders in Polk County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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