American Portfolio Mortgage in Florida vs the state
8.1%Denial rate-12.95 pts vs state
10.5%Decision denial rate-16.71 pts vs state
68.9%Origination rate+16.23 pts vs state
6.75%Median rate+0.13 pts vs state
0.62Rate spread (pts)+0.35 pts vs state
$84kMedian applicant income
102Loans originated
12Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 530 | 256 | 8.3% | 6.69% | #224 |
| 2024 | 115 | 73 | 11.3% | 6.75% | #462 |
| 2025 | 148 | 102 | 8.1% | 6.75% | #422 |
What American Portfolio Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most American Portfolio Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Osceola County | 30 | 21 | 2 | 6.7% |
| Lee County | 18 | 11 | 2 | 11.1% |
| Orange County | 17 | 12 | 1 | 5.9% |
| Hernando County | 15 | 10 | 2 | 13.3% |
| Polk County | 10 | 8 | 1 | 10.0% |
| Pasco County | 9 | 5 | 0 | 0.0% |
| Volusia County | 9 | 6 | 1 | 11.1% |
| Duval County | 4 | 4 | 0 | 0.0% |
| Broward County | 4 | 3 | 0 | 0.0% |
| Seminole County | 3 | 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: 148 applications in 2025, of which 102 were originated and 12 denied.
8.1% of all applications, or 10.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans American Portfolio Mortgage originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are American Portfolio 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