Digital in Florida vs the state
21.6%Denial rate+0.49 pts vs state
33.6%Decision denial rate+6.32 pts vs state
40.5%Origination rate-12.17 pts vs state
7.50%Median rate+0.88 pts vs state
0.33Rate spread (pts)+0.06 pts vs state
$158kMedian applicant income
94Loans originated
50Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 610 | 216 | 20.0% | 6.50% | #207 |
| 2024 | 353 | 107 | 21.0% | 7.87% | #283 |
| 2025 | 232 | 94 | 21.6% | 7.50% | #347 |
What Digital lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 26 | 9 | 5 | 19.2% |
| Hillsborough County | 26 | 10 | 7 | 26.9% |
| Pasco County | 23 | 8 | 2 | 8.7% |
| Broward County | 21 | 10 | 5 | 23.8% |
| Palm Beach County | 17 | 4 | 5 | 29.4% |
| Seminole County | 16 | 5 | 1 | 6.3% |
| Lake County | 10 | 7 | 2 | 20.0% |
| Collier County | 9 | 3 | 5 | 55.6% |
| Miami-Dade County | 9 | 1 | 5 | 55.6% |
| St. Johns County | 8 | 5 | 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: 232 applications in 2025, of which 94 were originated and 50 denied.
21.6% of all applications, or 33.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Digital originated in Florida in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Digital'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