City First Mortgage Services in Florida vs the state
8.0%Denial rate-13.11 pts vs state
10.3%Decision denial rate-16.95 pts vs state
69.3%Origination rate+16.63 pts vs state
6.50%Median rate-0.13 pts vs state
0.32Rate spread (pts)+0.05 pts vs state
$96kMedian applicant income
61Loans originated
7Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 106 | 53 | 2.8% | 7.13% | #476 |
| 2024 | 119 | 71 | 5.9% | 6.75% | #457 |
| 2025 | 88 | 61 | 8.0% | 6.50% | #506 |
What City First Mortgage Services lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most City First Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sarasota County | 11 | 6 | 1 | 9.1% |
| Broward County | 10 | 8 | 0 | 0.0% |
| Hillsborough County | 8 | 6 | 0 | 0.0% |
| Palm Beach County | 8 | 5 | 1 | 12.5% |
| Pinellas County | 7 | 4 | 1 | 14.3% |
| Okaloosa County | 7 | 7 | 0 | 0.0% |
| Brevard County | 7 | 5 | 0 | 0.0% |
| Manatee County | 5 | 5 | 0 | 0.0% |
| Charlotte County | 3 | 3 | 0 | 0.0% |
| Miami-Dade County | 3 | 0 | 1 | 33.3% |
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: 88 applications in 2025, of which 61 were originated and 7 denied.
8.0% of all applications, or 10.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans City First Mortgage Services originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are City First Mortgage Services'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