Click n' Close in Florida vs the state
5.2%Denial rate-15.84 pts vs state
6.7%Decision denial rate-20.57 pts vs state
70.3%Origination rate+17.63 pts vs state
7.25%Median rate+0.63 pts vs state
2.41Rate spread (pts)+2.14 pts vs state
$103kMedian applicant income
2,049Loans originated
152Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 827 | 528 | 5.7% | 7.38% | #174 |
| 2024 | 2,192 | 1,253 | 4.5% | 7.13% | #83 |
| 2025 | 2,914 | 2,049 | 5.2% | 7.25% | #71 |
What Click n' Close lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 1,141 | 852 | 51 | 4.5% |
| Pasco County | 274 | 196 | 11 | 4.0% |
| Hernando County | 208 | 157 | 11 | 5.3% |
| Lee County | 137 | 97 | 9 | 6.6% |
| Polk County | 118 | 77 | 14 | 11.9% |
| Pinellas County | 112 | 88 | 2 | 1.8% |
| Miami-Dade County | 102 | 64 | 9 | 8.8% |
| Broward County | 85 | 41 | 4 | 4.7% |
| Orange County | 65 | 48 | 1 | 1.5% |
| Marion County | 59 | 36 | 5 | 8.5% |
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: 2,914 applications in 2025, of which 2,049 were originated and 152 denied.
5.2% of all applications, or 6.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Click n' Close originated in Florida in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Click n' Close'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