Community South in Florida vs the state
24.0%Denial rate+2.92 pts vs state
68.1%Decision denial rate+40.88 pts vs state
3.1%Origination rate-49.63 pts vs state
6.25%Median rate-0.38 pts vs state
0.41Rate spread (pts)+0.14 pts vs state
$72kMedian applicant income
6Loans originated
47Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 40 | 15.8% | 6.69% | #541 |
| 2024 | 97 | 45 | 19.6% | 8.25% | #481 |
| 2025 | 196 | 6 | 24.0% | 6.25% | #371 |
What Community South lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Community South applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 48 | 2 | 11 | 22.9% |
| Holmes County | 31 | 2 | 9 | 29.0% |
| Jackson County | 17 | 1 | 3 | 17.6% |
| Walton County | 10 | 0 | 3 | 30.0% |
| Bay County | 7 | 0 | 1 | 14.3% |
| St. Johns County | 1 | 0 | 0 | 0.0% |
| Escambia County | 1 | 0 | 1 | 100.0% |
| Okaloosa County | 1 | 0 | 1 | 100.0% |
| Leon County | 1 | 1 | 0 | 0.0% |
| Wakulla County | 1 | 0 | 1 | 100.0% |
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: 196 applications in 2025, of which 6 were originated and 47 denied.
24.0% of all applications, or 68.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Community South originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Community South'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