BankPlus in Florida vs the state
11.2%Denial rate-9.89 pts vs state
14.9%Decision denial rate-12.31 pts vs state
60.9%Origination rate+8.20 pts vs state
6.50%Median rate-0.13 pts vs state
-0.02Rate spread (pts)-0.28 pts vs state
$221kMedian applicant income
109Loans originated
20Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 332 | 187 | 12.1% | 6.75% | #297 |
| 2024 | 242 | 171 | 9.1% | 6.63% | #350 |
| 2025 | 179 | 109 | 11.2% | 6.50% | #388 |
What BankPlus lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most BankPlus applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Walton County | 59 | 36 | 7 | 11.9% |
| Okaloosa County | 46 | 27 | 5 | 10.9% |
| Bay County | 30 | 19 | 3 | 10.0% |
| Escambia County | 13 | 6 | 2 | 15.4% |
| Santa Rosa County | 11 | 9 | 1 | 9.1% |
| Jackson County | 4 | 3 | 0 | 0.0% |
| Sarasota County | 3 | 1 | 0 | 0.0% |
| Lee County | 2 | 0 | 1 | 50.0% |
| Gulf County | 2 | 2 | 0 | 0.0% |
| Holmes County | 1 | 0 | 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: 179 applications in 2025, of which 109 were originated and 20 denied.
11.2% of all applications, or 14.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans BankPlus originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are BankPlus'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