Everett Financial in Florida vs the state
7.9%Denial rate-13.19 pts vs state
11.1%Decision denial rate-16.13 pts vs state
62.0%Origination rate+9.31 pts vs state
6.88%Median rate+0.25 pts vs state
0.60Rate spread (pts)+0.33 pts vs state
$99kMedian applicant income
2,938Loans originated
373Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,704 | 2,861 | 9.9% | 7.13% | #41 |
| 2024 | 4,353 | 3,139 | 7.6% | 7.00% | #50 |
| 2025 | 4,739 | 2,938 | 7.9% | 6.88% | #44 |
What Everett Financial lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 522 | 320 | 51 | 9.8% |
| Palm Beach County | 434 | 299 | 31 | 7.1% |
| Duval County | 370 | 249 | 25 | 6.8% |
| Hernando County | 287 | 202 | 14 | 4.9% |
| Pinellas County | 275 | 182 | 11 | 4.0% |
| Miami-Dade County | 264 | 122 | 24 | 9.1% |
| Hillsborough County | 240 | 131 | 26 | 10.8% |
| Polk County | 230 | 132 | 20 | 8.7% |
| Lee County | 229 | 126 | 31 | 13.5% |
| Pasco County | 192 | 113 | 19 | 9.9% |
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: 4,739 applications in 2025, of which 2,938 were originated and 373 denied.
7.9% of all applications, or 11.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Everett Financial originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Everett 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