Citibank in Florida vs the state
21.0%Denial rate-0.11 pts vs state
38.2%Decision denial rate+10.94 pts vs state
32.0%Origination rate-20.70 pts vs state
6.25%Median rate-0.38 pts vs state
-0.12Rate spread (pts)-0.39 pts vs state
$154kMedian applicant income
565Loans originated
370Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,424 | 700 | 9.3% | 5.50% | #116 |
| 2024 | 2,005 | 615 | 23.8% | 6.38% | #90 |
| 2025 | 1,766 | 565 | 21.0% | 6.25% | #103 |
What Citibank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 500 | 152 | 111 | 22.2% |
| Broward County | 330 | 95 | 84 | 25.5% |
| Palm Beach County | 301 | 105 | 68 | 22.6% |
| Hillsborough County | 94 | 38 | 11 | 11.7% |
| Orange County | 50 | 17 | 11 | 22.0% |
| Collier County | 41 | 18 | 7 | 17.1% |
| Duval County | 36 | 13 | 1 | 2.8% |
| Lee County | 31 | 7 | 3 | 9.7% |
| Pasco County | 28 | 4 | 5 | 17.9% |
| Pinellas County | 28 | 16 | 1 | 3.6% |
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: 1,766 applications in 2025, of which 565 were originated and 370 denied.
21.0% of all applications, or 38.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Citibank originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Citibank'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