American Bancshares Mortgage in Florida vs the state
3.8%Denial rate-17.31 pts vs state
5.5%Decision denial rate-21.78 pts vs state
64.4%Origination rate+11.73 pts vs state
6.88%Median rate+0.25 pts vs state
0.61Rate spread (pts)+0.34 pts vs state
$105kMedian applicant income
344Loans originated
20Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 648 | 428 | 8.6% | 6.88% | #201 |
| 2024 | 826 | 564 | 6.3% | 6.75% | #175 |
| 2025 | 534 | 344 | 3.8% | 6.88% | #237 |
What American Bancshares Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most American Bancshares Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 121 | 75 | 6 | 5.0% |
| Miami-Dade County | 97 | 53 | 7 | 7.2% |
| Marion County | 56 | 48 | 2 | 3.6% |
| Palm Beach County | 40 | 12 | 1 | 2.5% |
| Hillsborough County | 30 | 28 | 0 | 0.0% |
| Lake County | 29 | 22 | 0 | 0.0% |
| Orange County | 22 | 10 | 3 | 13.6% |
| St. Lucie County | 21 | 11 | 0 | 0.0% |
| Lee County | 19 | 13 | 0 | 0.0% |
| Pasco County | 13 | 9 | 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: 534 applications in 2025, of which 344 were originated and 20 denied.
3.8% of all applications, or 5.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans American Bancshares Mortgage originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are American Bancshares 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