American Financing in Florida vs the state
49.7%Denial rate+28.66 pts vs state
67.1%Decision denial rate+39.84 pts vs state
16.8%Origination rate-35.93 pts vs state
6.25%Median rate-0.38 pts vs state
0.26Rate spread (pts)-0.01 pts vs state
$90kMedian applicant income
274Loans originated
813Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 996 | 160 | 41.3% | 6.50% | #150 |
| 2024 | 1,556 | 229 | 59.2% | 6.25% | #103 |
| 2025 | 1,635 | 274 | 49.7% | 6.25% | #107 |
What American Financing lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 95 | 15 | 50 | 52.6% |
| Broward County | 85 | 9 | 47 | 55.3% |
| Lee County | 84 | 20 | 36 | 42.9% |
| Palm Beach County | 80 | 14 | 30 | 37.5% |
| Miami-Dade County | 76 | 10 | 37 | 48.7% |
| Polk County | 71 | 9 | 36 | 50.7% |
| Duval County | 71 | 10 | 33 | 46.5% |
| Pasco County | 71 | 8 | 42 | 59.2% |
| Brevard County | 70 | 12 | 32 | 45.7% |
| Pinellas County | 69 | 13 | 30 | 43.5% |
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: 1,635 applications in 2025, of which 274 were originated and 813 denied.
49.7% of all applications, or 67.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans American Financing originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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