CIBC Bank USA in Florida vs the state
4.4%Denial rate-16.71 pts vs state
5.8%Decision denial rate-21.47 pts vs state
71.0%Origination rate+18.32 pts vs state
5.75%Median rate-0.88 pts vs state
-0.16Rate spread (pts)-0.42 pts vs state
$246kMedian applicant income
49Loans originated
3Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 29 | 14.3% | 5.63% | #665 |
| 2024 | 56 | 31 | 21.4% | 6.25% | #578 |
| 2025 | 69 | 49 | 4.4% | 5.75% | #551 |
What CIBC Bank USA lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most CIBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 36 | 23 | 2 | 5.6% |
| Miami-Dade County | 8 | 4 | 0 | 0.0% |
| Sarasota County | 4 | 4 | 0 | 0.0% |
| Lee County | 4 | 4 | 0 | 0.0% |
| Collier County | 4 | 3 | 0 | 0.0% |
| Pinellas County | 2 | 0 | 1 | 50.0% |
| Broward County | 2 | 2 | 0 | 0.0% |
| Hillsborough County | 2 | 2 | 0 | 0.0% |
| Sumter County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 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: 69 applications in 2025, of which 49 were originated and 3 denied.
4.4% of all applications, or 5.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans CIBC Bank USA originated in Florida in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are CIBC Bank USA'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