Bison State Bank in Florida vs the state
1.5%Denial rate-19.52 pts vs state
2.4%Decision denial rate-24.86 pts vs state
63.1%Origination rate+10.39 pts vs state
6.00%Median rate-0.63 pts vs state
-0.30Rate spread (pts)-0.56 pts vs state
$196kMedian applicant income
41Loans originated
1Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 6 | 22.2% | 5.33% | #1,025 |
| 2024 | 5 | 2 | 0.0% | — | #1,140 |
| 2025 | 65 | 41 | 1.5% | 6.00% | #559 |
What Bison State Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Bison State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 8 | 7 | 0 | 0.0% |
| Miami-Dade County | 7 | 2 | 0 | 0.0% |
| Hillsborough County | 5 | 3 | 0 | 0.0% |
| Orange County | 5 | 2 | 0 | 0.0% |
| Brevard County | 4 | 2 | 1 | 25.0% |
| Duval County | 3 | 2 | 0 | 0.0% |
| Broward County | 3 | 1 | 0 | 0.0% |
| Pasco County | 3 | 1 | 0 | 0.0% |
| Seminole County | 3 | 1 | 0 | 0.0% |
| Pinellas County | 2 | 2 | 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: 65 applications in 2025, of which 41 were originated and 1 denied.
1.5% of all applications, or 2.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Bison State Bank originated in Florida in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Bison State 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