1st Financial in Florida vs the state
7.4%Denial rate-13.64 pts vs state
9.2%Decision denial rate-18.08 pts vs state
66.8%Origination rate+14.08 pts vs state
6.99%Median rate+0.37 pts vs state
0.93Rate spread (pts)+0.67 pts vs state
$144kMedian applicant income
207Loans originated
23Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 603 | 352 | 9.5% | 7.13% | #208 |
| 2024 | 524 | 292 | 11.5% | 7.06% | #239 |
| 2025 | 310 | 207 | 7.4% | 6.99% | #300 |
What 1st Financial lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most 1st Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 170 | 107 | 17 | 10.0% |
| Broward County | 73 | 53 | 2 | 2.7% |
| Lee County | 18 | 16 | 0 | 0.0% |
| Palm Beach County | 14 | 9 | 2 | 14.3% |
| Hillsborough County | 4 | 2 | 0 | 0.0% |
| Marion County | 3 | 3 | 0 | 0.0% |
| Hendry County | 2 | 0 | 1 | 50.0% |
| Collier County | 2 | 1 | 0 | 0.0% |
| St. Lucie County | 2 | 2 | 0 | 0.0% |
| Pinellas County | 2 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 310 applications in 2025, of which 207 were originated and 23 denied.
7.4% of all applications, or 9.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans 1st Financial originated in Florida in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are 1st Financial's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology