Consumer Real Estate Finance in Florida vs the state
28.7%Denial rate+7.59 pts vs state
31.4%Decision denial rate+4.17 pts vs state
62.6%Origination rate+9.88 pts vs state
6.88%Median rate+0.25 pts vs state
0.71Rate spread (pts)+0.44 pts vs state
$105kMedian applicant income
107Loans originated
49Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 185 | 70 | 24.3% | 6.75% | #397 |
| 2024 | 170 | 62 | 28.8% | 6.81% | #398 |
| 2025 | 171 | 107 | 28.7% | 6.88% | #397 |
What Consumer Real Estate Finance lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 31 | 19 | 10 | 32.3% |
| Bay County | 16 | 10 | 5 | 31.3% |
| Sarasota County | 11 | 10 | 1 | 9.1% |
| Gulf County | 8 | 5 | 3 | 37.5% |
| Manatee County | 8 | 6 | 1 | 12.5% |
| Lee County | 7 | 4 | 2 | 28.6% |
| Brevard County | 6 | 6 | 0 | 0.0% |
| Hillsborough County | 6 | 5 | 1 | 16.7% |
| Pinellas County | 6 | 3 | 1 | 16.7% |
| Marion County | 5 | 3 | 2 | 40.0% |
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: 171 applications in 2025, of which 107 were originated and 49 denied.
28.7% of all applications, or 31.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Consumer Real Estate Finance originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Consumer Real Estate Finance'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