Metro area · FL
Lenders in Lakeland, FL
35 lenders made 74 multifamily loans in the Lakeland-Winter Haven, FL metro area in 2024 and 2025, $667.1M in all. SouthState Bank, National Association made the most, with 10. The typical loan was about $1M.
- Evidence
- Multifamily loans placed in the metro area, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 35
- HMDA,
- Multifamily loans, 2024-25
- 74
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $667M
- HMDA,
- Typical loan
- $1M
- HMDA,
Cite this
Source: The Lender Report, Lenders in Lakeland, FL, https://lender.report/lenders-in/lakeland-fl/, data as of December 31, 2025.
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This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans |
|---|---|---|---|---|---|---|
| SouthState Bank, National Association multifamily record | Bank | Winter Haven, FL | 10 | $6.58M | 7 | 3 |
| Bank of Central Florida multifamily record | Bank | Lakeland, FL | 6 | $4.16M | 2 | 4 |
| PGIM Real Estate Finance, LLC multifamily record | Non-bank | Dallas, TX | 4 | $171M | 2 | 2 |
| PGIM Real Estate Agency Financing, LLC multifamily record | Non-bank | Dallas, TX | 4 | $63.4M | 2 | 2 |
| Valley National Bank multifamily record | Bank | Passaic, NJ | 4 | $15.6M | 4 | 0 |
| Lument Real Estate Capital multifamily record | Non-bank | Columbus, OH | 3 | $75.9M | 2 | 1 |
| United Southern Bank multifamily record | Bank | Umatilla, FL | 3 | $1.14M | 3 | 0 |
| Genesis Capital, LLC multifamily record | Non-bank | Sherman Oaks, CA | 2 | $70.0M | 1 | 1 |
| Berkadia Commercial Mortgage multifamily record | Non-bank | Ambler, PA | 2 | $15.8M | 1 | 1 |
| Arbor Realty Trust, Inc. multifamily record | Non-bank | Uniondale, NY | 2 | $14.9M | 0 | 2 |
| Conventus Lending LLC multifamily record | Non-bank | San Francisco, CA | 2 | $1.88M | 2 | 0 |
| Silver Hill Funding multifamily record | Non-bank | Coral Gables, FL | 2 | $1.24M | 0 | 2 |
| Logan Finance Corporation multifamily record | Non-bank | Haupaugge, NY | 2 | $1.16M | 0 | 2 |
| Lendsure Mortgage Corp. multifamily record | Non-bank | San Diego, CA | 2 | $1.12M | 2 | 0 |
| Dominion Financial Services, LLC multifamily record | Non-bank | Baltimore, MD | 2 | $960K | 0 | 2 |
| County | Loans | Dollars | Lenders |
|---|---|---|---|
| Polk County, FL | 72 | $655M | 34 |
A county is listed for a year only when the public file holds 5 or more multifamily loans there that year.
| Loan size | Loans |
|---|---|
| Under $1M | 36 |
| $1M to $2.5M | 13 |
| $2.5M to $5M | 4 |
| $5M to $10M | 6 |
| $10M or more | 15 |
- Lenders made 74 multifamily loans totaling $667.1M in Lakeland, FL in 2024 and 2025. HMDA,
- 41 of the loans were made in 2025 and 33 in 2024. HMDA,
- The typical loan in Lakeland, FL was about $1M, with the middle half between $500K and $7.8M. HMDA,
- 36 of the loans were under $1M, and 21 were $5M or more. HMDA,
- Lenders reported a median rate of 6.81% on 61 loans in Lakeland, FL, with the middle half between 5.99% and 8.00%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 63%. HMDA,
- 54% of the loans were refinancings and 42% were purchases. HMDA,
- Banks and savings institutions made 36 of the loans, credit unions 4, and non-banks 34. HMDA,
- The five most active lenders made 37.8% of the loans. HMDA,
- The three most active lenders were SouthState Bank, National Association with 10, Bank of Central Florida with 6, and PGIM Real Estate Finance, LLC with 4. HMDA,
- 11 of the 35 lenders are based in Florida. The rest are based elsewhere, most often in California, New York and Texas. HMDA,
- The most common property size was 5 to 24 units, with 44 loans. HMDA,
- 1 county in the metro area has loans on record, and Polk County, FL has the most, with 72. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the Lakeland, FL metro area
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.