Affinity in Florida vs the state
32.3%Denial rate+11.23 pts vs state
37.8%Decision denial rate+10.56 pts vs state
51.0%Origination rate-1.65 pts vs state
4.90%Median rate-1.72 pts vs state
-2.29Rate spread (pts)-2.56 pts vs state
$134kMedian applicant income
49Loans originated
31Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 94 | 42 | 36.2% | 8.00% | #499 |
| 2024 | 68 | 27 | 44.1% | 7.63% | #551 |
| 2025 | 96 | 49 | 32.3% | 4.90% | #487 |
What Affinity lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 14 | 8 | 4 | 28.6% |
| Broward County | 10 | 7 | 1 | 10.0% |
| Miami-Dade County | 8 | 3 | 1 | 12.5% |
| Sarasota County | 8 | 5 | 1 | 12.5% |
| Collier County | 5 | 2 | 2 | 40.0% |
| Seminole County | 5 | 4 | 1 | 20.0% |
| Volusia County | 4 | 3 | 1 | 25.0% |
| St. Johns County | 3 | 2 | 0 | 0.0% |
| Hernando County | 3 | 1 | 2 | 66.7% |
| Duval County | 3 | 1 | 2 | 66.7% |
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: 96 applications in 2025, of which 49 were originated and 31 denied.
32.3% of all applications, or 37.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Affinity originated in Florida in 2025 was 4.90%, against a statewide median of 6.63%.
About this data. Figures are Affinity'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