Bell Bank in Florida vs the state
5.0%Denial rate-16.06 pts vs state
6.2%Decision denial rate-21.09 pts vs state
75.4%Origination rate+22.68 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.03 pts vs state
$125kMedian applicant income
407Loans originated
27Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 630 | 456 | 8.7% | 6.81% | #203 |
| 2024 | 522 | 385 | 7.1% | 6.75% | #240 |
| 2025 | 540 | 407 | 5.0% | 6.63% | #234 |
What Bell Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Bell Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Highlands County | 59 | 51 | 2 | 3.4% |
| Pinellas County | 55 | 38 | 3 | 5.5% |
| Orange County | 40 | 29 | 1 | 2.5% |
| Lee County | 32 | 27 | 0 | 0.0% |
| Palm Beach County | 26 | 23 | 0 | 0.0% |
| Leon County | 25 | 21 | 0 | 0.0% |
| Hillsborough County | 24 | 13 | 3 | 12.5% |
| St. Johns County | 22 | 16 | 0 | 0.0% |
| Duval County | 20 | 15 | 0 | 0.0% |
| Pasco County | 17 | 12 | 2 | 11.8% |
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: 540 applications in 2025, of which 407 were originated and 27 denied.
5.0% of all applications, or 6.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Bell Bank originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Bell 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