American Federal Mortgage in Florida vs the state
4.0%Denial rate-17.03 pts vs state
6.8%Decision denial rate-20.42 pts vs state
55.0%Origination rate+2.34 pts vs state
6.31%Median rate-0.31 pts vs state
-0.14Rate spread (pts)-0.41 pts vs state
$161kMedian applicant income
82Loans originated
6Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 111 | 68 | 9.0% | 6.50% | #468 |
| 2024 | 165 | 89 | 3.6% | 6.38% | #403 |
| 2025 | 149 | 82 | 4.0% | 6.31% | #421 |
What American Federal Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most American Federal Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 16 | 11 | 2 | 12.5% |
| Pasco County | 14 | 7 | 0 | 0.0% |
| Palm Beach County | 12 | 7 | 1 | 8.3% |
| Broward County | 10 | 6 | 1 | 10.0% |
| Pinellas County | 10 | 4 | 1 | 10.0% |
| Brevard County | 9 | 4 | 0 | 0.0% |
| Sarasota County | 7 | 4 | 0 | 0.0% |
| Miami-Dade County | 7 | 2 | 1 | 14.3% |
| Seminole County | 7 | 5 | 0 | 0.0% |
| Lee County | 6 | 3 | 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: 149 applications in 2025, of which 82 were originated and 6 denied.
4.0% of all applications, or 6.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans American Federal Mortgage originated in Florida in 2025 was 6.31%, against a statewide median of 6.63%.
About this data. Figures are American Federal 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