Lowest closing cost mortgage lenders in Polk County County, Florida
In Polk County, Florida, homebuyers paid a median of $9,744 in closing costs in 2024 — above the Florida median of $8,887. The county saw 12,126 purchase mortgages at a median rate of 6.24%. Among lenders with 10+ originations, VANDERBILT MORTGAGE AND FINANCE, INC. offered the lowest median costs at $0, which is $6,059 less than the county median.
Homebuyers in Polk County County who chose VANDERBILT MORTGAGE AND FINANCE, INC. paid $9,744 less in closing costs than the county median.
County Median Costs
$9,744
+9.6% vs Florida ($8,887)
Median Rate
6.240%
−5.7% vs national (6.620%)
Median Origination
$2,351
Purchase Originations
12,126
vs Florida Median
9.6% above
$857
vs National Median
44.5% above
$3,003
Lender rankings in Polk County County
93 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $310 | 5.625% | $0 | 52 | −$6,089 | |
| 2 | $1,658 | 4.990% | $0 | 89 | −$4,741 | |
| 3 | $3,075 | 5.750% | $1,495 | 57 | −$3,324 | |
| 4 | $3,306 | 5.490% | $101 | 51 | −$3,093 | |
| 5 | $3,436 | 5.500% | $500 | 35 | −$2,963 | |
| 6 | $3,463 | 6.062% | $1,933 | 46 | −$2,936 | |
| 7 | $3,520 | 5.750% | $0 | 145 | −$2,879 | |
| 8 | $3,901 | 6.125% | $2,058 | 28 | −$2,498 | |
| 9 | $3,919 | 6.500% | $0 | 30 | −$2,480 | |
| 10 | $4,017 | 6.875% | $1,584 | 10 | −$2,382 | |
| 11 | $4,804 | 6.625% | $1,010 | 29 | −$1,595 | |
| 12 | $4,978 | 5.875% | $1,059 | 11 | −$1,422 | |
| 13 | $5,098 | 5.250% | $1,795 | 210 | −$1,301 | |
| 14 | $5,102 | 6.500% | $1,400 | 189 | −$1,297 | |
| 15 | $5,247 | 6.688% | $1,833 | 10 | −$1,152 | |
| 16 | $5,268 | 6.562% | $950 | 10 | −$1,131 | |
| 17 | $5,707 | 6.375% | $2,020 | 30 | −$692 | |
| 18 | $5,712 | 5.990% | $1,380 | 47 | −$687 | |
| 19 | $5,890 | 6.500% | $2,137 | 89 | −$509 | |
| 20 | $5,899 | 6.625% | $2,359 | 32 | −$500 | |
| 21 | $5,953 | 6.438% | $1,596 | 18 | −$446 | |
| 22 | $5,992 | 5.750% | $2,648 | 91 | −$407 | |
| 23 | $6,107 | 6.812% | $2,114 | 106 | −$292 | |
| 24 | $6,186 | 6.750% | $1,806 | 14 | −$213 | |
| 25 | $6,240 | 6.933% | $3,228 | 48 | −$159 | |
| 26 | $6,352 | 6.875% | $2,770 | 11 | −$47 | |
| 27 | $6,374 | 6.625% | $3,635 | 41 | −$25 | |
| 28 | $6,382 | 6.625% | $2,715 | 28 | −$17 | |
| 29 | $6,428 | 6.625% | $3,156 | 43 | +$29 | |
| 30 | $6,655 | 6.500% | $2,854 | 57 | +$256 | |
| 31 | $6,657 | 8.770% | $4,500 | 31 | +$258 | |
| 32 | $6,700 | 6.875% | $2,301 | 18 | +$301 | |
| 33 | $6,877 | 6.625% | $3,738 | 187 | +$478 | |
| 34 | $6,972 | 6.938% | $3,531 | 32 | +$573 | |
| 35 | $7,119 | 6.875% | $3,728 | 133 | +$720 | |
| 36 | $7,134 | 6.625% | $3,654 | 25 | +$735 | |
| 37 | $7,151 | 7.000% | $2,535 | 11 | +$752 | |
| 38 | $7,190 | 6.990% | $3,488 | 49 | +$791 | |
| 39 | $7,216 | 7.058% | $4,176 | 12 | +$817 | |
| 40 | $7,278 | 7.125% | $3,677 | 47 | +$879 | |
| 41 | $7,345 | 6.875% | $2,050 | 11 | +$946 | |
| 42 | $7,385 | 6.490% | $4,238 | 19 | +$986 | |
| 43 | $7,426 | 6.990% | $4,806 | 26 | +$1,027 | |
| 44 | $7,441 | 6.912% | $3,771 | 106 | +$1,042 | |
| 45 | $7,444 | 6.750% | $3,734 | 31 | +$1,045 | |
| 46 | $7,469 | 8.100% | $5,559 | 11 | +$1,070 | |
| 47 | $7,483 | 6.875% | $4,661 | 43 | +$1,084 | |
| 48 | $7,890 | 6.575% | $4,438 | 35 | +$1,491 | |
| 49 | $8,343 | 6.500% | $5,429 | 34 | +$1,944 | |
| 50 | $8,559 | 6.625% | $5,101 | 556 | +$2,160 | |
| 51 | $8,605 | 7.125% | $5,116 | 10 | +$2,206 | |
| 52 | $8,808 | 7.000% | $3,942 | 16 | +$2,409 | |
| 53 | $9,053 | 6.990% | $4,875 | 24 | +$2,654 | |
| 54 | $9,247 | 6.812% | $5,394 | 14 | +$2,848 | |
| 55 | $9,400 | 6.625% | $6,345 | 93 | +$3,000 | |
| 56 | $9,526 | 6.438% | $5,971 | 16 | +$3,127 | |
| 57 | $9,745 | 7.999% | $6,318 | 17 | +$3,346 | |
| 58 | $9,826 | 6.995% | $6,631 | 24 | +$3,427 | |
| 59 | $9,836 | 6.625% | $5,941 | 57 | +$3,437 | |
| 60 | $9,985 | 9.495% | $7,229 | 10 | +$3,586 | |
| 61 | $10,295 | 6.990% | $6,535 | 27 | +$3,896 | |
| 62 | $10,423 | 6.625% | $6,445 | 11 | +$4,024 | |
| 63 | $11,210 | 6.625% | $7,537 | 11 | +$4,811 | |
| 64 | $12,661 | 8.625% | $8,516 | 10 | +$6,262 | |
| 65 | $14,245 | 7.740% | $9,877 | 26 | +$7,846 | |
| 66 | $14,498 | 6.500% | $11,635 | 80 | +$8,099 | |
| 67 | $15,940 | 5.875% | $9,743 | 11 | +$9,541 |
Includes lenders with 10+ purchase originations in Polk County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Florida → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.