Acopia in Florida vs the state
4.8%Denial rate-16.24 pts vs state
5.3%Decision denial rate-21.98 pts vs state
80.7%Origination rate+28.03 pts vs state
6.00%Median rate-0.63 pts vs state
0.16Rate spread (pts)-0.11 pts vs state
$106kMedian applicant income
67Loans originated
4Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 549 | 378 | 7.1% | 6.88% | #221 |
| 2024 | 387 | 257 | 7.2% | 6.63% | #266 |
| 2025 | 83 | 67 | 4.8% | 6.00% | #517 |
What Acopia lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Acopia applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Osceola County | 41 | 36 | 2 | 4.9% |
| Polk County | 7 | 4 | 1 | 14.3% |
| Lake County | 6 | 6 | 0 | 0.0% |
| Escambia County | 4 | 3 | 1 | 25.0% |
| Orange County | 3 | 3 | 0 | 0.0% |
| Duval County | 3 | 3 | 0 | 0.0% |
| Manatee County | 3 | 1 | 0 | 0.0% |
| Palm Beach County | 2 | 1 | 0 | 0.0% |
| Clay County | 2 | 1 | 0 | 0.0% |
| Flagler County | 2 | 2 | 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: 83 applications in 2025, of which 67 were originated and 4 denied.
4.8% of all applications, or 5.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Acopia originated in Florida in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Acopia'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