American Financial Network in Florida vs the state
12.8%Denial rate-8.31 pts vs state
18.9%Decision denial rate-8.32 pts vs state
53.6%Origination rate+0.93 pts vs state
6.75%Median rate+0.13 pts vs state
0.60Rate spread (pts)+0.33 pts vs state
$97kMedian applicant income
1,724Loans originated
410Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,640 | 1,954 | 9.5% | 6.88% | #56 |
| 2024 | 3,231 | 1,846 | 10.1% | 7.00% | #59 |
| 2025 | 3,215 | 1,724 | 12.8% | 6.75% | #64 |
What American Financial Network lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 322 | 208 | 23 | 7.1% |
| Hillsborough County | 232 | 116 | 39 | 16.8% |
| Lee County | 218 | 111 | 21 | 9.6% |
| Broward County | 210 | 79 | 48 | 22.9% |
| Miami-Dade County | 202 | 81 | 47 | 23.3% |
| Alachua County | 181 | 127 | 4 | 2.2% |
| Pinellas County | 171 | 102 | 16 | 9.4% |
| Pasco County | 148 | 70 | 16 | 10.8% |
| Orange County | 146 | 71 | 30 | 20.5% |
| Palm Beach County | 133 | 65 | 16 | 12.0% |
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: 3,215 applications in 2025, of which 1,724 were originated and 410 denied.
12.8% of all applications, or 18.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans American Financial Network originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are American Financial Network'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