Axos Bank in Florida vs the state
28.3%Denial rate+7.23 pts vs state
55.1%Decision denial rate+27.89 pts vs state
22.4%Origination rate-30.32 pts vs state
7.13%Median rate+0.50 pts vs state
0.91Rate spread (pts)+0.64 pts vs state
$294kMedian applicant income
34Loans originated
43Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 229 | 48 | 27.1% | 7.06% | #359 |
| 2024 | 162 | 34 | 21.6% | 7.63% | #408 |
| 2025 | 152 | 34 | 28.3% | 7.13% | #417 |
What Axos Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Axos Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 31 | 9 | 7 | 22.6% |
| Broward County | 21 | 5 | 10 | 47.6% |
| Palm Beach County | 19 | 4 | 3 | 15.8% |
| Pinellas County | 8 | 1 | 1 | 12.5% |
| Hillsborough County | 7 | 0 | 2 | 28.6% |
| Brevard County | 7 | 1 | 2 | 28.6% |
| Collier County | 5 | 2 | 3 | 60.0% |
| Martin County | 5 | 2 | 1 | 20.0% |
| Sarasota County | 5 | 3 | 1 | 20.0% |
| Orange County | 4 | 0 | 2 | 50.0% |
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: 152 applications in 2025, of which 34 were originated and 43 denied.
28.3% of all applications, or 55.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Axos Bank originated in Florida in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Axos 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