City Lending in Florida vs the state
17.2%Denial rate-3.87 pts vs state
20.4%Decision denial rate-6.81 pts vs state
67.0%Origination rate+14.28 pts vs state
6.75%Median rate+0.13 pts vs state
0.68Rate spread (pts)+0.41 pts vs state
$88kMedian applicant income
148Loans originated
38Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 42 | 4.2% | 7.25% | #550 |
| 2024 | 184 | 122 | 13.6% | 6.75% | #389 |
| 2025 | 221 | 148 | 17.2% | 6.75% | #352 |
What City Lending lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most City Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 34 | 21 | 2 | 5.9% |
| Polk County | 31 | 24 | 3 | 9.7% |
| Hillsborough County | 26 | 19 | 3 | 11.5% |
| Osceola County | 22 | 13 | 7 | 31.8% |
| Duval County | 9 | 7 | 2 | 22.2% |
| Lee County | 8 | 6 | 0 | 0.0% |
| Palm Beach County | 8 | 5 | 1 | 12.5% |
| Miami-Dade County | 8 | 6 | 2 | 25.0% |
| Marion County | 8 | 7 | 1 | 12.5% |
| Brevard County | 7 | 6 | 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: 221 applications in 2025, of which 148 were originated and 38 denied.
17.2% of all applications, or 20.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans City Lending originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are City Lending'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