Bank Five Nine in Florida vs the state
26.7%Denial rate+5.61 pts vs state
28.6%Decision denial rate+1.33 pts vs state
66.7%Origination rate+13.98 pts vs state
6.81%Median rate+0.19 pts vs state
0.20Rate spread (pts)-0.07 pts vs state
$154kMedian applicant income
10Loans originated
4Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 5 | 0.0% | 7.13% | #1,223 |
| 2024 | 9 | 7 | 0.0% | 7.49% | #935 |
| 2025 | 15 | 10 | 26.7% | 6.81% | #829 |
What Bank Five Nine lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Bank Five Nine applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 3 | 0 | 3 | 100.0% |
| Marion County | 3 | 2 | 0 | 0.0% |
| Collier County | 2 | 1 | 1 | 50.0% |
| Pinellas County | 1 | 1 | 0 | 0.0% |
| Sarasota County | 1 | 1 | 0 | 0.0% |
| Indian River County | 1 | 1 | 0 | 0.0% |
| Manatee County | 1 | 1 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Wakulla County | 1 | 1 | 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: 15 applications in 2025, of which 10 were originated and 4 denied.
26.7% of all applications, or 28.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Bank Five Nine originated in Florida in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are Bank Five Nine'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