Atlantic Coast Mortgage in Florida vs the state
5.2%Denial rate-15.87 pts vs state
6.4%Decision denial rate-20.89 pts vs state
72.7%Origination rate+20.04 pts vs state
6.63%Median rate0.00 pts vs state
0.21Rate spread (pts)-0.06 pts vs state
$160kMedian applicant income
56Loans originated
4Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 80 | 63 | 2.5% | 6.88% | #531 |
| 2024 | 64 | 46 | 4.7% | 6.56% | #556 |
| 2025 | 77 | 56 | 5.2% | 6.63% | #529 |
What Atlantic Coast Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Atlantic Coast Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pinellas County | 14 | 11 | 0 | 0.0% |
| Palm Beach County | 9 | 7 | 1 | 11.1% |
| Brevard County | 5 | 5 | 0 | 0.0% |
| Orange County | 5 | 5 | 0 | 0.0% |
| Broward County | 4 | 1 | 1 | 25.0% |
| Charlotte County | 4 | 4 | 0 | 0.0% |
| Collier County | 3 | 2 | 0 | 0.0% |
| Sarasota County | 3 | 2 | 1 | 33.3% |
| Pasco County | 3 | 2 | 0 | 0.0% |
| Bay 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: 77 applications in 2025, of which 56 were originated and 4 denied.
5.2% of all applications, or 6.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Atlantic Coast Mortgage originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Atlantic Coast 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