21st Mortgage in Florida vs the state
49.0%Denial rate+27.95 pts vs state
71.8%Decision denial rate+44.52 pts vs state
18.1%Origination rate-34.61 pts vs state
9.61%Median rate+2.98 pts vs state
3.77Rate spread (pts)+3.50 pts vs state
$69kMedian applicant income
2,098Loans originated
5,686Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13,748 | 2,441 | 49.7% | 9.05% | #11 |
| 2024 | 13,083 | 2,312 | 47.1% | 9.50% | #14 |
| 2025 | 11,601 | 2,098 | 49.0% | 9.61% | #18 |
What 21st Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 862 | 141 | 497 | 57.7% |
| Marion County | 594 | 123 | 288 | 48.5% |
| Polk County | 591 | 98 | 278 | 47.0% |
| Hillsborough County | 444 | 68 | 263 | 59.2% |
| Pasco County | 359 | 47 | 174 | 48.5% |
| Orange County | 336 | 52 | 194 | 57.7% |
| Suwannee County | 334 | 79 | 148 | 44.3% |
| Alachua County | 331 | 55 | 181 | 54.7% |
| Jackson County | 329 | 61 | 153 | 46.5% |
| Bay County | 314 | 51 | 137 | 43.6% |
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: 11,601 applications in 2025, of which 2,098 were originated and 5,686 denied.
49.0% of all applications, or 71.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans 21st Mortgage originated in Florida in 2025 was 9.61%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage'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