American Momentum Bank in Florida vs the state
12.1%Denial rate-8.92 pts vs state
16.2%Decision denial rate-11.09 pts vs state
63.0%Origination rate+10.32 pts vs state
—Median rate
—Rate spread (pts)
$196kMedian applicant income
109Loans originated
21Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 204 | 124 | 19.6% | 6.63% | #380 |
| 2024 | 219 | 142 | 12.8% | — | #362 |
| 2025 | 173 | 109 | 12.1% | — | #393 |
What American Momentum Bank lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most American Momentum Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 40 | 24 | 5 | 12.5% |
| Pinellas County | 31 | 17 | 5 | 16.1% |
| Hillsborough County | 28 | 21 | 5 | 17.9% |
| Collier County | 25 | 20 | 1 | 4.0% |
| Orange County | 11 | 6 | 2 | 18.2% |
| Sarasota County | 10 | 6 | 2 | 20.0% |
| Charlotte County | 8 | 3 | 0 | 0.0% |
| Osceola County | 5 | 5 | 0 | 0.0% |
| Palm Beach County | 4 | 2 | 0 | 0.0% |
| Manatee County | 4 | 1 | 1 | 25.0% |
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: 173 applications in 2025, of which 109 were originated and 21 denied.
12.1% of all applications, or 16.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are American Momentum Bank'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