Center Street Lending VIII SPE in Florida vs the state
5.7%Denial rate-15.35 pts vs state
7.6%Decision denial rate-19.65 pts vs state
69.1%Origination rate+16.36 pts vs state
10.38%Median rate+3.75 pts vs state
—Rate spread (pts)
—Median applicant income
145Loans originated
12Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 224 | 156 | 0.0% | 11.00% | #360 |
| 2025 | 210 | 145 | 5.7% | 10.38% | #357 |
What Center Street Lending VIII SPE lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
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: 210 applications in 2025, of which 145 were originated and 12 denied.
5.7% of all applications, or 7.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Center Street Lending VIII SPE originated in Florida in 2025 was 10.38%, against a statewide median of 6.63%.
About this data. Figures are Center Street Lending VIII SPE'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