East Coast Capital in Florida vs the state
3.1%Denial rate-18.00 pts vs state
5.8%Decision denial rate-21.47 pts vs state
49.5%Origination rate-3.20 pts vs state
7.00%Median rate+0.38 pts vs state
0.88Rate spread (pts)+0.61 pts vs state
$120kMedian applicant income
97Loans originated
6Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 140 | 79 | 3.6% | 7.00% | #434 |
| 2024 | 137 | 78 | 5.8% | 7.38% | #431 |
| 2025 | 196 | 97 | 3.1% | 7.00% | #370 |
What East Coast Capital lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most East Coast Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 35 | 16 | 2 | 5.7% |
| Miami-Dade County | 27 | 15 | 0 | 0.0% |
| Broward County | 21 | 11 | 0 | 0.0% |
| Polk County | 9 | 3 | 0 | 0.0% |
| Hillsborough County | 9 | 4 | 0 | 0.0% |
| Pinellas County | 8 | 4 | 0 | 0.0% |
| Orange County | 8 | 4 | 0 | 0.0% |
| St. Lucie County | 6 | 4 | 0 | 0.0% |
| Flagler County | 6 | 3 | 0 | 0.0% |
| Charlotte County | 6 | 3 | 1 | 16.7% |
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 97 were originated and 6 denied.
3.1% of all applications, or 5.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans East Coast Capital originated in Florida in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are East Coast Capital'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