CSL Financial in Florida vs the state
45.1%Denial rate+24.07 pts vs state
62.2%Decision denial rate+34.95 pts vs state
27.4%Origination rate-25.25 pts vs state
8.14%Median rate+1.52 pts vs state
2.16Rate spread (pts)+1.89 pts vs state
$75kMedian applicant income
76Loans originated
125Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 18 | 54.0% | 7.82% | #540 |
| 2024 | 366 | 67 | 48.4% | 8.39% | #276 |
| 2025 | 277 | 76 | 45.1% | 8.14% | #319 |
What CSL Financial lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most CSL Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suwannee County | 11 | 11 | 0 | 0.0% |
| Columbia County | 11 | 11 | 0 | 0.0% |
| Levy County | 10 | 10 | 0 | 0.0% |
| Duval County | 6 | 6 | 0 | 0.0% |
| Bay County | 5 | 5 | 0 | 0.0% |
| Alachua County | 5 | 5 | 0 | 0.0% |
| Madison County | 4 | 4 | 0 | 0.0% |
| Baker County | 3 | 3 | 0 | 0.0% |
| Hamilton County | 3 | 3 | 0 | 0.0% |
| Holmes County | 2 | 2 | 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: 277 applications in 2025, of which 76 were originated and 125 denied.
45.1% of all applications, or 62.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans CSL Financial originated in Florida in 2025 was 8.14%, against a statewide median of 6.63%.
About this data. Figures are CSL Financial'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