Bpl Mortgage Trust in Florida vs the state
19.3%Denial rate-1.73 pts vs state
21.9%Decision denial rate-5.31 pts vs state
57.2%Origination rate+4.53 pts vs state
7.25%Median rate+0.63 pts vs state
—Rate spread (pts)
—Median applicant income
222Loans originated
75Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 456 | 306 | 4.8% | 8.13% | #241 |
| 2024 | 313 | 185 | 14.4% | 7.63% | #311 |
| 2025 | 388 | 222 | 19.3% | 7.25% | #277 |
What Bpl Mortgage Trust lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Bpl Mortgage Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 66 | 57 | 1 | 1.5% |
| Miami-Dade County | 46 | 26 | 11 | 23.9% |
| Lee County | 42 | 9 | 16 | 38.1% |
| Pinellas County | 27 | 10 | 6 | 22.2% |
| Hillsborough County | 21 | 13 | 3 | 14.3% |
| Orange County | 19 | 14 | 2 | 10.5% |
| Palm Beach County | 19 | 7 | 5 | 26.3% |
| Broward County | 16 | 7 | 3 | 18.8% |
| Polk County | 15 | 10 | 3 | 20.0% |
| Volusia County | 8 | 4 | 2 | 25.0% |
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: 388 applications in 2025, of which 222 were originated and 75 denied.
19.3% of all applications, or 21.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Bpl Mortgage Trust originated in Florida in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Bpl Mortgage Trust'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