Encompass Lending Group in Florida vs the state
5.7%Denial rate-15.35 pts vs state
8.7%Decision denial rate-18.54 pts vs state
60.0%Origination rate+7.31 pts vs state
6.75%Median rate+0.13 pts vs state
0.53Rate spread (pts)+0.26 pts vs state
$86kMedian applicant income
21Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 14 | 0.0% | 7.06% | #798 |
| 2024 | 49 | 26 | 4.1% | 6.63% | #600 |
| 2025 | 35 | 21 | 5.7% | 6.75% | #659 |
What Encompass Lending Group lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Encompass Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Volusia County | 6 | 3 | 0 | 0.0% |
| Polk County | 5 | 3 | 0 | 0.0% |
| Lake County | 3 | 2 | 1 | 33.3% |
| Pinellas County | 2 | 1 | 0 | 0.0% |
| Orange County | 2 | 1 | 0 | 0.0% |
| Seminole County | 2 | 2 | 0 | 0.0% |
| Broward County | 2 | 1 | 0 | 0.0% |
| Alachua County | 2 | 1 | 0 | 0.0% |
| Marion County | 2 | 2 | 0 | 0.0% |
| Hillsborough County | 1 | 0 | 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: 35 applications in 2025, of which 21 were originated and 2 denied.
5.7% of all applications, or 8.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Encompass Lending Group originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Encompass Lending Group'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