Baycoast Mortgage Company in Florida vs the state
8.7%Denial rate-12.36 pts vs state
13.3%Decision denial rate-13.91 pts vs state
56.5%Origination rate+3.83 pts vs state
6.38%Median rate-0.25 pts vs state
-0.07Rate spread (pts)-0.34 pts vs state
$171kMedian applicant income
13Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 15 | 9.1% | 6.50% | #813 |
| 2024 | 20 | 17 | 0.0% | 6.63% | #773 |
| 2025 | 23 | 13 | 8.7% | 6.38% | #738 |
What Baycoast Mortgage Company lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Baycoast Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 7 | 4 | 0 | 0.0% |
| Hillsborough County | 5 | 3 | 0 | 0.0% |
| Lee County | 3 | 1 | 2 | 66.7% |
| Broward County | 2 | 1 | 0 | 0.0% |
| Charlotte County | 2 | 1 | 0 | 0.0% |
| Manatee County | 1 | 1 | 0 | 0.0% |
| St. Lucie County | 1 | 1 | 0 | 0.0% |
| Duval County | 1 | 1 | 0 | 0.0% |
| Brevard 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: 23 applications in 2025, of which 13 were originated and 2 denied.
8.7% of all applications, or 13.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Baycoast Mortgage Company originated in Florida in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Baycoast Mortgage Company'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