Arc Home in Florida vs the state
13.5%Denial rate-7.59 pts vs state
19.5%Decision denial rate-7.79 pts vs state
55.6%Origination rate+2.95 pts vs state
7.25%Median rate+0.63 pts vs state
0.80Rate spread (pts)+0.53 pts vs state
$250kMedian applicant income
380Loans originated
92Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 712 | 373 | 19.7% | 7.88% | #190 |
| 2024 | 728 | 362 | 15.4% | 7.50% | #188 |
| 2025 | 683 | 380 | 13.5% | 7.25% | #199 |
What Arc Home lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 135 | 80 | 14 | 10.4% |
| Lee County | 88 | 52 | 19 | 21.6% |
| Broward County | 58 | 24 | 10 | 17.2% |
| Palm Beach County | 48 | 21 | 6 | 12.5% |
| Orange County | 43 | 26 | 8 | 18.6% |
| Pinellas County | 27 | 14 | 3 | 11.1% |
| Osceola County | 24 | 9 | 2 | 8.3% |
| Collier County | 21 | 11 | 2 | 9.5% |
| Volusia County | 19 | 10 | 1 | 5.3% |
| Manatee County | 17 | 10 | 2 | 11.8% |
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: 683 applications in 2025, of which 380 were originated and 92 denied.
13.5% of all applications, or 19.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Arc Home originated in Florida in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Arc Home'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