American Liberty Mortgage in Florida vs the state
5.1%Denial rate-15.93 pts vs state
7.0%Decision denial rate-20.26 pts vs state
65.0%Origination rate+12.27 pts vs state
6.13%Median rate-0.50 pts vs state
0.35Rate spread (pts)+0.08 pts vs state
$85kMedian applicant income
76Loans originated
6Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 95 | 83 | 9.5% | 6.49% | #496 |
| 2024 | 113 | 69 | 6.2% | 6.13% | #463 |
| 2025 | 117 | 76 | 5.1% | 6.13% | #457 |
What American Liberty Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most American Liberty Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 76 | 50 | 4 | 5.3% |
| Highlands County | 6 | 5 | 0 | 0.0% |
| Hardee County | 6 | 5 | 0 | 0.0% |
| Hillsborough County | 6 | 3 | 1 | 16.7% |
| Pasco County | 4 | 3 | 0 | 0.0% |
| Miami-Dade County | 3 | 1 | 0 | 0.0% |
| Seminole County | 3 | 2 | 0 | 0.0% |
| Citrus County | 2 | 0 | 0 | 0.0% |
| Pinellas County | 2 | 0 | 1 | 50.0% |
| Lake County | 2 | 2 | 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: 117 applications in 2025, of which 76 were originated and 6 denied.
5.1% of all applications, or 7.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans American Liberty Mortgage originated in Florida in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are American Liberty 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