American Pacific Mortgage in Florida vs the state
12.3%Denial rate-8.73 pts vs state
15.1%Decision denial rate-12.14 pts vs state
69.2%Origination rate+16.52 pts vs state
6.63%Median rate0.00 pts vs state
0.66Rate spread (pts)+0.39 pts vs state
$103kMedian applicant income
1,751Loans originated
312Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,372 | 1,561 | 10.2% | 6.75% | #75 |
| 2024 | 2,149 | 1,497 | 11.2% | 6.75% | #86 |
| 2025 | 2,530 | 1,751 | 12.3% | 6.63% | #80 |
What American Pacific Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 540 | 437 | 42 | 7.8% |
| Collier County | 325 | 248 | 38 | 11.7% |
| Palm Beach County | 143 | 77 | 40 | 28.0% |
| Broward County | 140 | 72 | 32 | 22.9% |
| Duval County | 97 | 72 | 5 | 5.2% |
| Charlotte County | 96 | 68 | 3 | 3.1% |
| Orange County | 79 | 43 | 18 | 22.8% |
| Miami-Dade County | 70 | 37 | 13 | 18.6% |
| Polk County | 67 | 48 | 6 | 9.0% |
| Brevard County | 60 | 37 | 7 | 11.7% |
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: 2,530 applications in 2025, of which 1,751 were originated and 312 denied.
12.3% of all applications, or 15.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans American Pacific Mortgage originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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