Cliffco in Florida vs the state
6.0%Denial rate-15.07 pts vs state
8.2%Decision denial rate-19.04 pts vs state
67.1%Origination rate+14.38 pts vs state
6.62%Median rate0.00 pts vs state
0.59Rate spread (pts)+0.32 pts vs state
$97kMedian applicant income
112Loans originated
10Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 49 | 16.9% | 7.13% | #524 |
| 2024 | 173 | 120 | 5.2% | 6.75% | #396 |
| 2025 | 167 | 112 | 6.0% | 6.62% | #402 |
What Cliffco lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Cliffco applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 30 | 22 | 1 | 3.3% |
| Osceola County | 23 | 15 | 0 | 0.0% |
| Polk County | 20 | 16 | 1 | 5.0% |
| Palm Beach County | 11 | 5 | 2 | 18.2% |
| Lake County | 8 | 6 | 0 | 0.0% |
| Pinellas County | 8 | 7 | 0 | 0.0% |
| Broward County | 7 | 4 | 0 | 0.0% |
| Marion County | 7 | 4 | 1 | 14.3% |
| Seminole County | 6 | 5 | 0 | 0.0% |
| Volusia County | 6 | 1 | 3 | 50.0% |
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: 167 applications in 2025, of which 112 were originated and 10 denied.
6.0% of all applications, or 8.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Cliffco originated in Florida in 2025 was 6.62%, against a statewide median of 6.63%.
About this data. Figures are Cliffco'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